vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX. XXXX : XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Under 15 USC 1681c-2 ( a ) To Whom it May Concern, I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries associated with my credit report, as I am a victim of identity theft resulting from the Equifax Data Breach . Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have any fraudulent information blocked from my credit report. 

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 - Balance {$900.00} Please consider this letter my official notification. I request that you take the following actions immediately : 1. Block and delete any accounts, inquiries, or other information that were established or recorded as a result of identity theft.

2. Provide written confirmation that these fraudulent items have been blocked and deleted.

3. Ensure my credit report accurately reflects only legitimate accounts and inquiries.

Enclosed are the following documents to support my request : A copy of my government-issued ID ( e.g., drivers license ).

Proof of address ( e.g., utility bill ).

A signed affidavit of identity theft ( if required ).

As required by law, I expect these fraudulent items to be blocked within four business days of your receipt of this request, as outlined in 15 USC 1681c-2 ( a ) ( 2 ).

I trust that this matter will be handled promptly and in compliance with federal law.

Thank you for your immediate attention to this urgent matter. 

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 2025-07-22 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: GA

Complaint narrative:
b'I am writing to formally request the removal of inaccurate personal information and the update of correct identifying details on my credit file, as permitted under the Fair Credit Reporting Act (FCRA), specifically 15 U.S. 1681g and 1681i.\n\nAfter obtaining a copy of my credit report from your agency, I have found multiple items of outdated, incorrect, and/or unauthorized personal information. These inaccuracies may negatively impact my credit profile and could constitute a violation of my rights under the FCRA.\n\nPlease REMOVE the following incorrect information:\nPrevious addresses:\nXXXX 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-\nIncorrect or unrecognized phone numbers:\XXXX\nIncorrect name variations:\XXXX XXXXn\n\nPlease UPDATE or RETAIN the following accurate information only:\nFull Legal Name: XXXX XXXX XXXX  \nCurrent Address: XXXX XXXX XXXX XXXX XXXX XXXX XXXXnCurrent Phone Number: XXXXn\nSupporting Documentation Enclosed:\nCopy of government-issued ID (e.g., drivers license)\nRecent utility bill or lease/mortgage with my correct address\nSocial Security card or similar document confirming identity (if needed)\n\nAs required by law, I expect the inaccurate information to be investigated, removed, or corrected within 30 calendar days of your receipt of this request.\n\nFailure to comply may constitute a violation of the FCRA and could result in a formal complaint with the Consumer Financial Protection Bureau (CFPB) or legal action.\n\nThank you for your prompt attention to 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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
b'I am writing to formally request the removal of inaccurate personal information and the update of correct identifying details on my credit file, as permitted under the Fair Credit Reporting Act (FCRA), specifically 15 U.S. 1681g and 1681i.\n\nAfter obtaining a copy of my credit report from your agency, I have found multiple items of outdated, incorrect, and/or unauthorized personal information. These inaccuracies may negatively impact my credit profile and could constitute a violation of my rights under the FCRA.\n\nPlease REMOVE the following incorrect information:\nPrevious addresses:\nXXXX 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-\nIncorrect or unrecognized phone numbers:\XXXX\nIncorrect name variations:\XXXX XXXXn\n\nPlease UPDATE or RETAIN the following accurate information only:\nFull Legal Name: XXXX XXXX XXXX  \nCurrent Address: XXXX XXXX XXXX XXXX XXXX XXXX XXXXnCurrent Phone Number: XXXXn\nSupporting Documentation Enclosed:\nCopy of government-issued ID (e.g., drivers license)\nRecent utility bill or lease/mortgage with my correct address\nSocial Security card or similar document confirming identity (if needed)\n\nAs required by law, I expect the inaccurate information to be investigated, removed, or corrected within 30 calendar days of your receipt of this request.\n\nFailure to comply may constitute a violation of the FCRA and could result in a formal complaint with the Consumer Financial Protection Bureau (CFPB) or legal action.\n\nThank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2025-07-22 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: NY

Complaint narrative:
I requested the permanent deletion of the information in question, in accordance with the Fair Credit Reporting Act. A hard inquiry not initiated or authorized by me. Under FCRA 604 ( a ) ( 3 ), a consumer reporting agency may only furnish a report when a permissible purpose exists, such as a credit transaction that I initiated or gave written permission for. The address is not affiliated with me. I have never resided at or used this address for any financial, personal, or professional reason. Per FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute and request the correction or deletion of inaccurate identifying information.

The charged-off account contains inaccurate and/or unverifiable information. I have no knowledge of this account, nor have I ever received any benefit or services in connection with it. The balance, dates, and status appear to be erroneous. If the creditor and the credit bureaus can not validate this account with accurate and documented proof, then under FCRA 611, this account must be corrected or permanently XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXX Date of inquiry : XX/XX/year> XXXX Date of inquiry : XX/XX/year> XXXX XXXX  XXXX Date of inquiry : XX/XX/year> XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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 2025-07-22 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: SC

Complaint narrative:
These entries were fraudulently opened and do not belong to me. Ive already provided the FTC Identity Theft Report and proper supporting documentation. Under FCRA Section 605B, these accounts must be blocked and deleted. The continued reporting of this fraudulent information is unlawful. Please act immediately to remove these items from 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 2025-07-22 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:
XXXX XXXX XXXX XXXX XX/XX/XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX  FL XXXX XX/XX/XXXX RE : Debt Validation Request under 15 U.S. Code 1692g ( a ) account name XXXX XXXX XXXXXX/XX/XXXX Account name XXXX XXXX  OPEN DATE XX/XX/XXXX Account name XXXX OPEN DATE XX/XX/XXXX Account namXXXX XXXX XXXX XXXX XXXXXXXX OPEN DATE XX/XX/XXXX Account name XXXX XXXX  OPEN DATE XX/XX/XXXX Account name XXXX XXXXXXXX XXXX Account number XXXX OPEN DATE XX/XX/XXXX XXXX XXXX XX/XX/XXXX Dear CREDIT BUREAUS I am requesting validation of a debt you claim I owe, as provided under the Fair Debt Collection Practices Act, 15 U.S. Code 1692g. I request that you provide the following : 1. Proof that I am legally obligated to pay this debt ( such as the original signed agreement ).

2. Verification of the amount owed and how it was calculated.

3. The name and address of the original creditor ( if different from your company ).

4. Proof that you are licensed to collect debts in my state. 

For these accounts : account name XXXXXXXX XXXX XXXXXX/XX/XXXX Account name XXXX XXXX OPEN DATE XX/XX/XXXX Account name XXXX OPEN DATE XX/XX/XXXX Account name CXXXX XXXX XXXX XXXXXXXX OPEN DATE XX/XX/XXXX Account name XXXXXXXX XXXX  OPEN DATE XX/XX/XXXX Account name XXXX XXXXXXXX XXXX Account number XXXX OPEN DATE XX/XX/XXXX XXXX XXXX XX/XX/XXXX Until you provide the requested validation, you must cease collection efforts, including reporting this item to credit bureaus. If youve already reported it, I request that you immediately delete the item from my credit report pending validation.

Please respond within 30 days as required by law. Failure to comply will be documented and may be reported to the Consumer Financial Protection Bureau ( CFPB ) and/or result in legal action. 

Sincerely, 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 2025-07-22 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: CA

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report. Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). In light of the 2023 CFPB enforcement action ( CFPB & FTC v. TransUnion ), in which your agency was fined {$23.00} million for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. XXXX XXXX  XXXX and JXXXX XXXX XXXXXXXX

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 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
On or about XX/XX/XXXX I received a PIN # in the mail, thought nothing of it and shredded it. The next week, I received a debit card in the mail. When I received the debit card I immediately called Citi to inform them I didn't open this account. After 5 different numbers and 4 different transfers between departments, I talked to somebody that stated, " So your issue is that you don't remember opening this account? '' To my disgust I replied no, the issue is I didn't open this account! After 20min they said they put a flag on the account so nobody could use it. A week later I received two letters, both the same that said I needed to make a sworn notarized affidavit stating of I knew who committed the the fraud, submit a police report, and mail them back my government issued I.D . within 10 days or they'll consider my fraud claim closed. Today I received a returned check notice for almost XXXX that was deposited into the account I didn't sign up for. I called again, 2 different # 's and was transferred 3 different times after over an hour of hold time and all the individuals I spoke with hardly spoke English. No credit monitoring services were offered and I was spoken to as if I was the one creating the problem. No solution was offered beyond, if I don't spend 3hrs of my time submitting a police report and notarized documents and sending them personal information, it was my problem and the account would not be able to be used but would still be there. This is a very bad way to do business, especially with all the synthetic fraud and the frustration with trying to even get in touch with this company was beyond unacceptable.

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 2025-07-22 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: VA

Complaint narrative:
Equifax Compliance Officer, This letter serves as a formal final notice regarding your continued violation of my rights under the Fair Credit Reporting Act ( FCRA ) and your unlawful obstruction in providing me access to and correction of information within my credit file. 

Despite my good faith effort to obtain a copy of my credit report and dispute inaccurate or unverifiable data, your agency has responded with a refusal to comply unless I submit documentation well beyond what is legally required. Your demand for multiple identification items, including a Social Security number, is neither " reasonable '' nor aligned with 15 U.S.C. 1681g ( a ), which clearly states that a consumer reporting agency must provide all information in the file upon reasonable identificationnot exhaustive demands.

Violations : FCRA 1681g Failure to disclose my credit file after a lawful request.

FCRA 1681i Refusal to reinvestigate disputed information as required.

FCRA 1681n and 1681o Willful or negligent noncompliance with federal law. 
Contradictory Reporting You claim no credit file exists, yet you continue to furnish data under my name to third parties, impacting my creditworthiness and score. This is a clear contradiction and amounts to fraudulent reporting. 
You Are Now On Notice : I am not legally obligated to provide further documentation beyond what I have already submitted. Your continued assertion that no file exists while reporting negative tradelines tied to my name is a violation of my civil rights, actionable under the FCRA. 

Next Legal Steps : Unless I receive the following within 10 business days from the date of this letter : A full and complete consumer disclosure of my file pursuant to 1681g ; Confirmation that you have ceased reporting disputed data to third parties ; A formal reinvestigation initiated under 1681i ; I will proceed with the following actions : Initiate a civil action in federal court pursuant to 15 U.S.C. 1681n and 1681o seeking statutory damages, punitive damages, and attorneys fees.

File a supplemental complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General Office citing willful noncompliance. 

Publicly document and publish this misconduct in consumer protection forums to ensure other consumers are aware of Equifaxs unlawful practices.

You are required by federal law to maintain accurate files, respond appropriately to consumer disputes, and not furnish inaccurate data. Your failure to meet those obligations will no longer be tolerated without legal consequence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.

FRAUDULENT ACCOUNTS : Account Name : 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 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 2025-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: MA

Complaint narrative:
I was told that my student loan repayment would begin on XX/XX/year>, but I received a billing statement from Edfinancial showing that I owe {$440.00} with no breakdown of what this amount is for. 

I attempted to contact them through their online system, but received no response. Instead, I got an automated billing email. Their website constantly errors out when I try to apply for a repayment plan or enroll in XXXX XXXX. 

I was never clearly informed that I would owe this amount, and I still don't know what its for whether its accrued interest, a fee, or a misapplied charge. Ive made multiple attempts to resolve this and change my repayment plan to an income-driven one, but their system and support have been completely unresponsive and unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I need you to look into the mistakes that is currently being reported on my credit report. It contains numerous errors that I can no longer ignore. Ive reviewed it thoroughly and there are fraudulent information that Ive never authorized nor benefited from. I demand for immediate correction of my file and I need you to make sure sure all my information is 100 % correct. If you can not certify that all data belongs to me, these accounts and its respective charges must be removed entirely and I need you to address this as soon as possible to prevent further damage.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I take my credit seriously, and I'm really concerned about the mistakes on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. I've worked hard to build my credit, and it's frustrating to see it affected by mistakes that aren't my fault. It's getting me anxious. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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:
On XX/XX/year>, I made the full payment for my XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) card after speaking with a representative who assured me that the late payment would not be reported if I paid in full. The delay was only one day ( from XX/XX/XXXX to XX/XX/XXXX ) due to a communication error. I trusted the verbal agreement and did not immediately review my credit. Later, I discovered that the late payment had been reported, which has negatively impacted my credit score and my ability to expand my business. 
XXXX has already removed the late payment after reviewing the documentation, but Experian and XXXX have not yet taken action. The credito

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
DPT EDXXXX was removed from other credit accounts. This is incorrect info that is being reported. Please remove this account from transunion. This account isnt accurate and reporting fraudulent information. Was not notified of this information being sold to a private company.

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