vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 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: IL

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items 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 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 explanation
Consumer complaint received 2025-07-12 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: CO

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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 a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
This complaint serves as a formal follow-up to the complaint I submitted last month regarding the unauthorized and fraudulent use of my Social Security number and personal identifying information. This correspondence reiterates and reinforces my demand for the immediate removal of all accounts that were fraudulently opened in my name. 

These accounts were not authorized, opened, or consented to by me and are not reflective of any legitimate financial activity. Their continued presence on my credit report is both inaccurate and damaging. 

Legal Grounds for Immediate Deletion : Pursuant to the following federal laws and regulations, I demand the permanent deletion of all fraudulent data : XXXX XXXX Code XXXX : I am exercising my right to request the removal of all information resulting from identity theft. You are obligated to comply with this request. 

XXXX XXXX XXXX XXXX, Subpart H : You are legally required to delete fraudulent information from my credit file within XXXX ( XXXX ) business days of receiving notice. 

XXXX XXXX XXXX XXXX ( XXXX ) ( B ) : Any credit transaction involving the unauthorized use of a Social Security number must be excluded from any consumer report. 

XXXX XXXX XXXX XXXX : Misrepresenting a debt or furnishing deceptive forms is a direct violation of federal law. 

Demand for Immediate Action : Let me be absolutely clear : These accounts are fraudulent. 

Your continued reporting of them is reckless and potentially unlawful. 

I demand that all fraudulent accounts and inquiries be deleted from my credit file immediately. 

Any collection efforts tied to these accounts must cease and desist without delay. 

BELOW ARE THE ITEMS THAT NEEDS TO BE REMOVE ASAP : XXXX XXXXXXXX * * * * Balance : {$770.00}, XXXX XXXXXXXX * * Balance : {$0.00}, XXXX XXXX XXXX XXXX * * * Balance : {$0.00}, XXXX XXXX XXXX XXXX * * * Balance : {$620.00}, XXXX XXXX XXXX XXXX XXXX * Balance : {$710.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This account is being inaccurately reported to XXXX XXXX XXXX XXXX as a Charge-Off with derogatory narrative codes, despite it being satisfied paid and closed. The creditor is still reporting the account with terms such as Charge Off, 120 Days Past Due, and Account Paid for Less Than Full Balance, with inconsistent dates of late payments, closed date, charge off and more. which are factually incorrect and misleading. Per 15 U.S. Code 1681c2, a consumer may request the blocking of any unverifiable or inaccurately reported information, including data resulting from errors, false claims of debt, or disputed obligations :

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 2025-07-12 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:
Subject : Dispute of Vehicle Repossession Request for Removal from Credit Reports To whom it may concern, I am filing this complaint because XXXX XXXX XXXX has reported a vehicle repossession to the credit bureaus that I believe is inaccurate, unverifiable, or improperly handled. 

Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Account Type : Auto Loan I never received a valid legal notice or warning about this repossession. I was not provided with documentation or due process, and I believe the repossession may have been voluntary, resolved, or improperly processed. 

I am respectfully requesting that this item be investigated immediately, and removed from all credit bureaus ( Equifax, XXXX XXXX XXXX ) if XXXX can not provide full documentation proving : That the repossession was legal and valid That proper notices were given That the reporting complies with the Fair Credit Reporting Act ( FCRA ) This inaccurate information is negatively affecting my credit standing, and I ask the Consumer Financial Protection Bureau to ensure the creditor and credit bureaus address this dispute seriously and fairly. 

Please notify me of the outcome of the investigation. I am willing to provide any additional documents upon request. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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:
Subject : Dispute of Vehicle Repossession Request for Removal from Credit Reports To whom it may concern, I am filing this complaint because XXXX XXXX XXXX has reported a vehicle repossession to the credit bureaus that I believe is inaccurate, unverifiable, or improperly handled. 

Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2019 Account Type : Auto Loan I never received a valid legal notice or warning about this repossession. I was not provided with documentation or due process, and I believe the repossession may have been voluntary, resolved, or improperly processed. 

I am respectfully requesting that this item be investigated immediately, and removed from all credit bureaus ( Equifax, XXXX XXXX XXXX  ) if XXXX can not provide full documentation proving : That the repossession was legal and valid That proper notices were given That the reporting complies with the Fair Credit Reporting Act ( FCRA ) This inaccurate information is negatively affecting my credit standing, and I ask the Consumer Financial Protection Bureau to ensure the creditor and credit bureaus address this dispute seriously and fairly. 

Please notify me of the outcome of the investigation. I am willing to provide any additional documents upon request. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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:
Subject : Dispute of Vehicle Repossession Request for Removal from Credit Reports To whom it may concern, I am filing this complaint because XXXX XXXX XXXX has reported a vehicle repossession to the credit bureaus that I believe is inaccurate, unverifiable, or improperly handled. 

Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2019 Account Type : Auto Loan I never received a valid legal notice or warning about this repossession. I was not provided with documentation or due process, and I believe the repossession may have been voluntary, resolved, or improperly processed. 

I am respectfully requesting that this item be investigated immediately, and removed from all credit bureaus ( XXXX, Experian, and XXXX XXXX  if XXXX can not provide full documentation proving : That the repossession was legal and valid That proper notices were given That the reporting complies with the Fair Credit Reporting Act ( FCRA ) This inaccurate information is negatively affecting my credit standing, and I ask the Consumer Financial Protection Bureau to ensure the creditor and credit bureaus address this dispute seriously and fairly. 

Please notify me of the outcome of the investigation. I am willing to provide any additional documents upon request. 

Sincerely,

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: MO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: Eastern Account Systems of Connecticut, Inc.
State: TN

Complaint narrative:
I was robbed at XXXX  2 years ago for my car, in my purse with my life, identification and everything inside of it. I informed them that I have not had any. Connection or affiliation with this company or debt. That's why I reported that it added my police report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: Experian Information Solutions Inc.
State: NC

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and have submitted an FTC Identity Theft Report ( Report # XXXX ). Despite providing this report to the credit bureaus along with proof of my identity and address, the fraudulent accounts still have not been removed from my credit reports. 

The following accounts were fraudulently opened without my knowledge or consent and are currently causing harm to my credit : XXXXXXXX XXXX XXXX Account ending in XXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX | Amount : {$6800.00} XXXX XXXX  XXXX XXXX XXXX XXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX | Amount : {$440.00} XXXX XXXX XXXX XXXX Account ending in XXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX | Amount : {$290.00} XXXX XXXX XXXX Account ending in XXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX | Amount : {$600.00} I have formally requested that the credit bureaus block these accounts in accordance with XXXX U.S.C. XXXX, which requires them to do so within XXXX business days upon receiving documentation. However, they have failed to comply. 

This situation is severely impacting my financial stability, delaying important life steps, and causing emotional distress. I am requesting that the CFPB take action to ensure the credit reporting agencies fulfill their legal obligations and permanently remove these accounts from my 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 explanation
Consumer complaint received 2025-07-12 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: NV

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
This complaint serves as a formal follow-up to the complaint I submitted last month regarding the unauthorized and fraudulent use of my Social Security number and personal identifying information. This correspondence reiterates and reinforces my demand for the immediate removal of all accounts that were fraudulently opened in my name. These accounts were not authorized, opened, or consented to by me and are not reflective of any legitimate financial activity. Their continued presence on my credit report is both inaccurate and damaging. Legal Grounds for Immediate Deletion : Pursuant to the following federal laws and regulations, I demand the permanent deletion of all fraudulent data : 15 U.S. Code 1681c2 : I am exercising my right to request the removal of all information resulting from identity theft. You are obligated to comply with this request. 12 CFR Part 1022, Subpart H : You are legally required to delete fraudulent information from my credit file within four ( 4 ) business days of receiving notice. 15 U.S. Code 1681a ( 2 ) ( B ) : Any credit transaction involving the unauthorized use of a Social Security number must be excluded from any consumer report. 15 U.S. Code 1692j : Misrepresenting a debt or furnishing deceptive forms is a direct violation of federal law. Demand for Immediate Action : Let me be absolutely clear : These accounts are fraudulent. Your continued reporting of them is reckless and potentially unlawful. I demand that all fraudulent accounts and inquiries be deleted from my credit file immediately. Any collection efforts tied to these accounts must cease and desist without delay. BELOW ARE THE ITEMS THAT NEEDS TO BE REMOVE ASAP : 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 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 explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Timeline of payments will be show up in the attachment I had been targeted by a fraud group. All my money had been wired to accounts in XXXX XXXX. 
XX/XX/XXXX : I filed a police report at the XXXX Police Department in California. 
XX/XX/XXXX : I reported the fraud to Bank of America. 
XX/XX/XXXX : I received and submitted the signed fraud claim form via email. 
I also reported the case to the XXXX XXXX Police, but they requested the recipients account number. Bank of America informed me that they can not release that information directly to me, but may provide it to official investigators. I relayed this to XXXX XXXX Police. 
Bank of America told me they would follow up within 30 days and process the case within 45 days. However, as of XX/XX/XXXX, there was no official response. When I called, they said the funds could not be recovered due to insufficient balance in the recipients account. Still, they did not confirm in writing whether my case remains active or under further review.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief