vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX Social Security Number : ( Private ) Consumer Date of Birth : ( Private ) This complaint is filed with the Consumer Financial Protection Bureau ( CFPB ) to formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you block all information on my consumer credit report that is the result of identity theft and fraud. I expect this action to be completed within four business days of your receipt of this complaint. 

The following fraudulent, inaccurate, and false information has appeared on my credit report : XXXX XXXX XXXX : Collections account opened on XX/XX/year>, associated with XXXX XXXX XXXX XXXX credit card loan account ). 

These fraudulent accounts have also led to several unauthorized hard inquiries and collections impacting my FICO credit report. I have attached a comprehensive list of these hard inquiries, along with a copy of my current Equifax FICO credit report clearly highlighting these fraudulent entries. 

I unequivocally state that I do not recognize, nor did I authorize, any of these accounts, collections, or hard inquiries. They are all the direct result of identity theft and fraud. 

For your immediate reference and as irrefutable proof, I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ), issued by the U.S. Federal Trade Commission, which confirms that these items are indeed the result of identity theft and fraud. 

I demand the immediate removal of all these fraudulent items from my credit report, as is my right under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : PORTFOLIO Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : PORTFOLIO Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
FORMAL DISPUTE & DEMAND FOR PERMANENT DELETION Trade Line : XXXX XXXX- Acct # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) Dear Equifax Disputes Department, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to dispute the accuracy, completeness, and verifiability of the collection trade line identified above, which appears on my Equifax report. This item appears as follows : - Collection Agency : XXXX XXXX- Original Creditor : XXXX XXXX XXXX - Date Assigned : XX/XX/XXXX - Original Amount : {$54.00} - Current Amount / Balance : {$0.00} ( Paid ) - Last Payment : XX/XX/XXXX - Status Date : XX/XX/XXXX - Remarks : " PAID '' STATUTORY VIOLATIONS : 1. 15 U.S.C. 1681e ( b ) - Misleading classification of a {$0.00} balance as an active collection violates accuracy standards.

2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - You must verify disputed data within 30 days or delete it.

3. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) - Unverifiable or incomplete data must be permanently deleted. 4. 15 U.S.C. 1681s-2 ( b ) - Furnisher must provide accurate and timely updates ; this is no longer a collectible debt.

5. 15 U.S.C. 1692g ( b ) - No debt validation has been provided by the collector, violating FDCPA requirements.

MY DEMAND : 1. Immediately DELETE this tradeline in full from my credit file.

2. Provide the Method of Verification ( MOV ) as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : - Contact names, evidence used, dates of verification.

3. Failure to comply will result in complaints to the CFPB, State Attorney General, and civil litigation under 15 U.S.C. 1681n, 1681o, and 1692k.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX OK XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/2019, Balance : {$260.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with Professional Debt, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have someone else mortgage under my social security and I saw that I have contacted the mortgage company they said they have fixed it and that house doesnt come up on my social but when I check my credit report I still see that house I have XXXX mortgage which is mine which is less amount but this one higher amount is not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Went to NFCU on XX/XX/year> to make a deposit at the branch, per NFCU assistant there would be a XXXX day hold on the check per NFCU policy. Once deposit was made a receipt was printed for my transaction. Because it was Friday the XXXX business day hold would have been Monday XX/XX/year> and the check should have been cleared and available Tuesday XX/XX/year>. I call XXXX on Monday and NFCU rep confirmed that my check would be cleared on Tuesday XX/XX/year> at XXXX due to processing. Check was never available, in fact a rep told me the check was deposit and made available on XXXX which was untrue because the deposit was still pending on XX/XX/year>

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX, my federal student loan servicer, failed to report accurate information to the credit bureaus. I paid off my loan in full in XX/XX/XXXX. However, due to a system or processing error on their part, a small balance remained that I was unaware of. 

I regained portal access and submitted a final payment of {$110.00} on XX/XX/XXXX, which brought my account to a {$0.00} balance, confirming the loan was overpaid. 

Despite this, XXXX reported a {$1.00} unpaid balance, which was picked up by the credit bureau and shown as past due or delinquent. As a result, my credit score dropped by over XXXX points, severely impacting my financial standing and interfering with a mortgage approval. 

I have filed a formal complaint with the U.S. Department of Education ( XXXX Case # XXXX ) and the CFPB against XXXX. I am now requesting that the inaccurate information reported to your credit bureau be removed immediately and updated to reflect that the loan is paid in full and in good standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX * * Comenity BankXXXX XXXX XXXX XXXX [ Address Lookup Comenitys Legal Department ] * * Subject : Formal Dispute of Inaccurate Late Payments Violations of FCRA & UCC * * To Whom It May Concern, I am writing to formally dispute * * inaccurate late payment reporting * * on my credit profile in violation of the * * Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) * * and * * XXXX XXXX XXXX XXXX XXXX XXXX  provisions * *. The following account has been * * wrongfully reported as delinquent * * : - * * Creditor * * : Comenity BankXXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXncorrectly Reported Late Payments * * : [ XX/XX/XXXX ] [ XX/XX/XXXX ] # # # * * Legal Basis for Dispute * * # # # # * * XXXX. Violation of FCRA Accuracy Requirements ( 15 U.S.C. 1681e ( b ) ) * * - Under * * 1681e ( b ) * *, XXXX and furnishers ( Comenity ) must * * ensure maximum possible accuracy * *. 
- * * Case Law * * : - * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * CRAs must verify disputes with * * original records * *. 
- * * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) * * Furnishers must conduct a * * reasonable investigation * *. 

# # # # * * 2. UCC Protections Against Unlawful Credit Reporting * * - * * UCC 3-501 ( b ) ( 2 ) * * : Requires * * proper presentment * * of payment demands. If payments were made on time but misapplied, reporting them as late breaches UCC. 
- * * UCC 1-304 * * : Imposes a * * duty of good faith * * in reporting. False delinquency marks violate this. 
- * * UCC 9-406 * * : Limits enforcement of inaccurate debt claims.

# # # # * * 3. Furnishers Duty Under 15 U.S.C. 1681s-2 ( b ) * * - Comenity * * must investigate * * and correct inaccuracies within * * 30 days * * of dispute receipt. 
- * * Case Law * * : - * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furnishers liable for * * negligent reporting * *. 

# # # * * Demand for XXXX XXXX * * XXXX. * * XXXX  * * : Delete all late payments within * * 30 days * * and provide a corrected report. 
XXXX. * * Comenity/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Cease reporting late payments * * if you can not provide * * signed payment agreements or proof of delinquency * *. 
- * * Update all credit bureaus * * with accurate data.

# # # * * Consequences of Non-Compliance * * - * * CFPB Complaint * * ( consumerfinance.gov/complaint ).

- * * Lawsuit for willful violations ( 15 U.S.C. 1681n ) * * : - * * {$100.00} {$1000.00} per violation * * + punitive damages.

- * * Attorneys fees * * under 1681n ( a ) ( 3 ).

Company response to consumer: Closed with explanation