vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: TN

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 2025-04-15 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:
It appears that my credit file has been compromised. I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX Original Creditor : XXXX XXXX XXXX  Balance {$220.00} 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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX. There are no public records on my report, and I am pleading with you to remove these incorrect details as soon as possible. The situation is causing me significant stress, and I will not tolerate it.

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 2025-04-15 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:
It appears that my credit file has been compromised. I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX Original Creditor : XXXX  XXXX Balance {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 explanation
Consumer complaint received 2025-04-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
XXXX on XX/XX/year> i received notifications from text from Caltial one and notifications from my XXXX Bank app that there was a hard inquiry from captial one. This was not recognized by me. I have freezed all credit reporting accounts and my debit card within the following hour. Filed dispute with XXXX within the following hour as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: LA

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 2025-04-15 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:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax and Experian 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. This fraudulent, inaccurate, and false information consists of a personal credit card account.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: NY

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Employer - XXXX XXXXXXXX XXXX XXXXIncorrect Name XXXX - XXXX XXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Previous Address XXXX - XXXX XXXX XXXX XXXX, XXXX, XXXX Employer - POST OFFICE. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: MS

Complaint narrative:
Remove off credit report since XXXX XXXX still cant open account debt has fully been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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 2025-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have submitted multiple dispute letters and have even spoken with this credit bureau about a negative item on my credit report. I have also provided sufficient evidence the demonstrates that this debt does not belong to me. I will also attach and provide another copy highlighting the inaccuracies. I'm asking for this credit bureau to remove this erroneous debt from my credit report. XXXX XXXX XXXX is claiming that I owe a debt for XXXX XXXX. I asked for a debt verification letter which they sent. In the verification letter I found several errors revealing this debt to do not belong to me. First the address listed on the property was never an address that I lived. Second, they claim that I made a payment of XXXX dollars ending in card number that I have never had. Finally, on my credit report it states that the debt is a joint debt, but the debt verification only shows me as the sole owner. I have made multiple attempts to dispute this debt with XXXX, XXXX, and Transunion. Each credit agency continues to show the debt as valid although I have shown the mistakes. XXXX XXXX Management also have called my phone 8-10 times in one day. They have left over 100 messages. They have used many intimidation tactics including name calling, refusing to send debt verification letter, and threatening me, while hanging up the phone

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 2025-04-15 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-04-15 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Fresh Holdings Inc
State: WI

Complaint narrative:
I'm a father of XXXX, currently engaged. 3 years ago, I was making plenty of mistakes. One of which is still haunting me. Taking out a cash loan from a store labeled 'cash 2 go ' in XXXX XXXX WI XXXX The store closed 6 months after I took out my loan. I've been making payments of XXXX $ every XXXX weeks for 3 years. With my payment history with them, my credit line was increased and I took out more because I had to pay my bills when work got scarce in winter. They've been charging me over 300 % intrest on this loan. But when I called was told they don't charge interest, it's a fee for a 'rented product '. It's well over 300 % APR. Now they've increased the fees since I've tried to ask for a reasonable settling amount. My account is OVER what I have loaned, the payments increase each week. I'm calling my bank today to force them to take it off my account. I can not survive anymore. It's super predatory, i was NOT made aware of the 300 % fees that multiply each month. I desperately need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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 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 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XXXX XXXX I accidentally transferred {$500.00} to a company I had done business with in the past. As soon as I realized my mistake I disputed the transfer. I then contacted the business and they agreed it was a mistake. Since early XXXX I have been trying to get the money returned. My bank ( USAA ) has faxed a request to reverse the transaction multiple times to the other bank ( XXXX XXXX XXXX XXXX  On XX/XX/XXXX XXXX XXXX Bank finally authorized USAA to reverse the transaction. USAA first told me they had received the fax and give it 2-10 business days but now claim they never received a fax. In the meantime neither bank is actually calling the other bank and I'm left to go back and forth with each of the banks.

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 2025-04-15 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: LEXISNEXIS
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, SC XXXX Contact : XXXX To : Consumer Financial Protection Bureau ( CFPB ) Via : CFPB Online Portal Re : Urgent Complaint Against LexisNexis Risk Solutions for FCRA/CFPA Violations I. LEXISNEXISS PATTERN OF NONCOMPLIANCE XXXX. Obstruction of Report Access : Online Request Blocked : Submitted a request via LexisNexiss Request and Receive Your Consumer Disclosure Report Online form on XXXX. 

Received response : Your request has been received. You will receive a message via US Mail within the timeframe allowed by law If you do not receive a message via US Mail within 10 days, contact LexisNexis Consumer Center at XXXX. 

Violation : LexisNexis failed to provide immediate electronic access to my report as required by FCRA 1681g ( a ) ( 1 ).

2. Failure to Delete Fraudulent Data : XXXX credit file contains XXXX confirmed inaccuracies ( duplicate charge-offs, late payments ). 

XXXX as a secondary bureau, likely retains identical fraudulent data but refuses to : Confirm deletion. 

Provide access to verify corrections. 

XXXX. Systemic FCRA Violations : 1681i ( a ) : Failure to investigate disputes ( fraudulent data tied to XXXX admissions ). 

1681e ( b ) : Lack of reasonable procedures to ensure accuracy.

II. LEGAL VIOLATIONS A. Fair Credit Reporting Act ( FCRA ) : 1681g ( a ) ( 1 ) : Denied immediate electronic access to consumer report.

The CRA must provide a copy of the report at the time of the request. 

XXXX 10-day mail delay violates this mandate.

1681i ( a ) : Failure to investigate disputes ( linked to XXXX fraudulent data ). 

XXXX ( b ) : No procedures to purge inaccuracies. 

B. Consumer Financial Protection Act ( CFPA ) : 5531 ( c ) : Unfair practice by delaying report access, worsening financial harm. 

Precedent : CFPB XXXX XXXXXXXX ( 2023 ) : Delayed access to reports constitutes unfair practice. 

XXXX. CONSUMER HARM XXXX. Financial Harm : Denied credit opportunities due to unaddressed inaccuracies. 

Urgent need to resolve fraudulent data to secure loans/employment. 

XXXX. Emotional Distress : Anxiety/sleep loss from prolonged financial instability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NH

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-15 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: OK

Complaint narrative:
An account on my credit reports that was identity theft, The company or bank keeps reporting it on my consumer credit reports. The account is from a first premier bank that I never had and they are reporting a fraudulent address. 
Account # XXXX mastercard and a account # XXXX mastercard These accounts are listed on the FTC Report. Enclosed are copies. 
I have disputed them and reported them to Experian, XXXX XXXX and XXXX. Experian has just notified me that they did not remove the account of XXXX amount owed {$650.00} but did not give a reason for not removing the item, the other account XXXX was removed by all CRAs This is violation of my FCRA etc.

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 2025-04-15 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: OK

Complaint narrative:
An account on my credit reports that was identity theft, The company or bank keeps reporting it on my consumer credit reports. The account is from a first premier bank that I never had and they are reporting a fraudulent address. 
Account # XXXX mastercard and a account # XXXX mastercard These accounts are listed on the FTC Report. Enclosed are copies. 
I have disputed them and reported them to XXXX, XXXX XXXX and Equifax. XXXX has just notified me that they did not remove the account of XXXX amount owed {$650.00} but did not give a reason for not removing the item, the other account XXXX was removed by all CRAs This is violation of my FCRA etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: NY

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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