vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: IL

Complaint narrative:
I am submitting this complaint because all three major credit bureausEquifax, Experian, and TransUnionhave failed to remove two fraudulent accounts from my credit report, despite receiving a complete identity theft dispute with all required documentation. 

The accounts in question are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am the victim of identity theft. I did not authorize, open, use, or benefit from these accounts. They were fraudulently created without my knowledge or consent. 

On a prior occasion, I submitted a formal dispute to all three bureaus, which included : A copy of my government-issued ID A recent utility bill showing my current address A police report/ FTC Identity Theft Report A written statement explaining the fraud Despite submitting this documentation, the credit bureaus refused or failed to block or remove the fraudulent accounts, which is a direct violation of federal law.

Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ) : FCRA 605B ( 15 U.S. Code 1681c2 ) requires credit reporting agencies to block all information resulting from identity theft within XXXX business days of receiving proper identification and documentation.

The continued reporting of these fraudulent accounts, after documentation was provided, constitutes a willful violation of my rights.

Per FCRA 616 and 617, I reserve the right to seek : Actual damages Statutory damages up to {$1000.00} per violation Punitive damages Attorneys fees Relief Requested : I am demanding the immediate deletion and permanent suppression of the following accounts from all of my credit reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Additionally, I request : Written confirmation from all three bureaus that the accounts have been removed A new copy of my updated credit report reflecting these changes Next Steps : If the accounts are not removed within 10 business days, I will pursue legal action and request investigation by : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Illinois Attorney General 's Office This is your final notice to comply with federal law and cease the reporting of false and damaging information related to identity theft.

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 2025-06-03 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: IL

Complaint narrative:
I am submitting this complaint because all three major credit bureausEquifax, Experian, and TransUnionhave failed to remove two fraudulent accounts from my credit report, despite receiving a complete identity theft dispute with all required documentation. 

The accounts in question are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am the victim of identity theft. I did not authorize, open, use, or benefit from these accounts. They were fraudulently created without my knowledge or consent. 

On a prior occasion, I submitted a formal dispute to all three bureaus, which included : A copy of my government-issued ID A recent utility bill showing my current address A police report/ FTC Identity Theft Report A written statement explaining the fraud Despite submitting this documentation, the credit bureaus refused or failed to block or remove the fraudulent accounts, which is a direct violation of federal law.

Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ) : FCRA 605B ( 15 U.S. Code 1681c2 ) requires credit reporting agencies to block all information resulting from identity theft within XXXX business days of receiving proper identification and documentation.

The continued reporting of these fraudulent accounts, after documentation was provided, constitutes a willful violation of my rights.

Per FCRA 616 and 617, I reserve the right to seek : Actual damages Statutory damages up to {$1000.00} per violation Punitive damages Attorneys fees Relief Requested : I am demanding the immediate deletion and permanent suppression of the following accounts from all of my credit reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Additionally, I request : Written confirmation from all three bureaus that the accounts have been removed A new copy of my updated credit report reflecting these changes Next Steps : If the accounts are not removed within 10 business days, I will pursue legal action and request investigation by : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Illinois Attorney General 's Office This is your final notice to comply with federal law and cease the reporting of false and damaging information related to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I did not open and believe to be the result of identity theft. These accounts are fraudulent and are negatively affecting my credit standing. I respectfully request that these unauthorized accounts be investigated and removed from my credit report.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
Received letter today will enclosed in attachments. I have sent at least XXXX letter stating my demands. With last one I informed them that if I didnt receive information requested I would file complaint with you and expected this debt to be removed from all consumer credit bureaus. The letter I received today said they investigated and it was accurate. I did not receive their license and number to operate in XXXX  ( my home state ). Got no comment or info where I told them I wanted this debt validated ( not by their investigation ). Got nothing in regards to request for original signed contract for this debt or anything showing I had given my permission for this debt to be sold according this letter it has been sold XXXX  neither one did I give my permission to allow XXXX. No signed letter stating this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am disputing a collection account reported by Midland Credit Management for {$2500.00}, originally associated with XXXX XXXX. This account was allegedly opened on XX/XX/XXXX, and marked as a collection account with a status update as of XX/XX/XXXX. 

I have never opened any account with XXXX XXXX matching this debt and have no knowledge or records of this account. I do not acknowledge any responsibility for this balance and believe it has been falsely or mistakenly reported to the credit bureaus. 

On XX/XX/XXXX, the balance was updated again, despite the fact that I have already disputed this account and requested validation. I have also been informed that I may have been impacted by Midland 's XXXX data breach, which may have compromised my personal information.

I have sent a debt validation request to Midland Credit Management and am awaiting a proper response. I am requesting that this inaccurate account be removed from my credit report under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax yet again resolved a dispute and updated the account information with wildly inaccurate information. I disputed basic information regarding my bankruptcy that was filed, reported, and XXXX in XXXX. However, upon resolution of the disputed Equifax is reflecting the reported date as XXXX of XXXX making the bankruptcy appear as new. This is significantly impacting my ability to obtain a favorable finance rate for an auto loan. This seems to be a reoccurring and ILLEGAL theme with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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 have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: MS

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX XXXX to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-03 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: MS

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX XXXX to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
I, XXXX XXXX, residing in XXXX, XXXX, report that I am the victim of identity theft, I believe committed by XXXX XXXX. Between the dates of XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX lived with me off and on at my residence. During this time, she gained unauthorized access to my personal computer and smartphone, where I stored sensitive personal and financial information, including my Social Security number, Identification card, Login credentials Personal identifying information Without my permission or knowledge. She used this information to open multiple credit cards and lines of credit in my name. I had no prior awareness of these accounts until I reviewed my credit report XX/XX/XXXX and discovered unfamiliar accounts, inquiries, and activity. I did not apply for these credit cards, authorize XXXX XXXX to do so, or benefit from the use of these accounts in any way. This activity has caused me significant stress, damage to my credit report, and the need for legal and financial intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: GA

Complaint narrative:
Dispute of Collection Account Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the collection account reported on my credit file, under the account Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( a ) ( 2 ), I am exercising my right to dispute the legitimacy of this debt and demand its immediate removal from my credit report. Legal Basis for Dispute : Under 15 U.S. Code 1681b ( a ) ( 2 ), the permissible purposes for accessing a consumer 's credit report exclude reporting or collection activities without proper validation. If the collection agency has not provided sufficient verification of the debt, including but not limited to proof of the original debt, the account 's validity is questionable. I have not received any proper documentation to support this debt. I specifically dispute the [ mention specific aspect you dispute, e.g., amount owed, accuracy of the dates, or lack of proper notice ]. Demand for Action : I demand that Credit Bureau immediately investigate this dispute and remove the inaccurate and invalid collection account from my credit report. Failure to do so within [ Number ] business days will leave me with no choice but to pursue further action, including, but not limited to, filing a formal complaint with the Federal Trade Commission and potentially pursuing legal remedies. XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-06-03 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: NC

Complaint narrative:
I am submitting a complaint about fraudulent information on my credit report resulting from identity theft. I submitted a block and delete request to Experian under 15 USC 1681c-2, including my FTC identity theft report and all required documents. However, the fraudulent accounts remain on my report, despite the legal requirement to remove them within four business days. Please find attached my dispute letter, FTC identity theft report, and supporting documentation.

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 2025-06-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-03 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-06-03 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: NJ

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding numerous unauthorized credit inquiries that have appeared on my credit report Equifax. I am the victim of identity theft, and I am requesting immediate investigation and action under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 
I recently reviewed my credit reports and found several hard inquiries that I did not authorize. These inquiries were made by financial institutions and companies with which I have no current or prior relationship. I have reason to believe that these inquiries are a direct result of identity theft. 
In accordance with 15 U.S.C. 1681c-2, I have filed an identity theft report, which includes a formal complaint and supporting documentation, such as a police report or an FTC Identity Theft Report. Under this statute, credit reporting agencies are required to block any information resulting from identity theft within four ( 4 ) business days of receiving proper documentation. 
The following legal provisions have been violated in relation to these unauthorized credit inquiries : 15 U.S.C. 1681b ( c ) Permissible Purpose : Credit inquiries must be made only with the consumers authorization or for a legitimate business purpose. These inquiries were made without my knowledge or consent. 
15 U.S.C. 1681c-1 ( a ) ( 2 ) Fraud Alerts : I have placed a fraud alert on my credit file, and creditors must take reasonable steps to verify identity before extending credit. These inquiries indicate a failure to comply.

15 U.S.C. 1681c-2 Blocking of information resulting from identity theft : The credit reporting agencies have failed to block or investigate the unauthorized inquiries despite being informed of the theft. 
15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Duty to reinvestigate : The credit bureaus are obligated to conduct a reinvestigation upon notice of a dispute, which they have failed to do regarding these inquiries. 
Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation