vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the 15 U.S.C. 1681 aka the Fair Credit Reporting Acts ( FCRA ), I am exercising my right to challenge questionable information that I have found on my personal credit report that I I do not recognize. I demand deletion of all the information that I am demanding to be deleted. 1 ) INCORRECT CREDIT INQUIRIES XXXX ) REMOVE INCORRECT PERSONAL INFORMATION & UPDATE PERSONAL INFORMATION XXXX ) Employment Information : PLEASE VIEW ALL ATTACHED DOCUMENTS. PROPER IDENTIFICATION IS PROVIDED.

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 2025-07-03 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: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
ChexSystems is reporting a fraudulent XXXX XXXX checking account in my name that I did not open or authorize. I have been a victim of identity theft, and this account was created without my knowledge or consent. I submitted a formal dispute directly to ChexSystems, along with my FTC Identity Theft Report, proof of identity, and documentation under FCRA 605B, requesting the immediate blocking and deletion of the account. Despite providing all required information, ChexSystems responded that the account was " verified '' without supplying any evidence of my authorization. This failure to properly investigate and remove the fraudulent account violates several provisions of the Fair Credit Reporting Act ( FCRA ) : 1 ) FCRA 605B requires ChexSystems to block information resulting from identity theft within 4 business days of receiving appropriate documentation. 2 ) FCRA 611 requires a reasonable investigation into disputed information. Simply deferring to the bank without verifying documentation is not compliant. 3 ) FCRA 616617 hold CRAs liable for willful or negligent noncompliance. This inaccurate reporting is negatively impacting my ability to open bank accounts and maintain financial stability. I am demanding that ChexSystems Immediately delete the fraudulent XXXXXXXX XXXX account from my consumer report, Provide written confirmation of the removal and Reissue a corrected copy of my report. 
Please assist in enforcing my rights under the FCRA and holding ChexSystems accountable for noncompliance. I have uploaded supporting documentation, including my FTC Identity Theft Report and Certified Letter that was mailed to Chexsystems and the response letter I received from Chexsytems.

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 2025-07-03 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: FL

Complaint narrative:
I recently obtained a copy of my credit report and found multiple accounts that I do not recognize. I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide certified mail with receipt displaying my signature. If not please investigate and remove as they are hurting my ability to obtain credit.

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 2025-07-03 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: FL

Complaint narrative:
I recently obtained a copy of my credit report and found multiple accounts that I do not recognize. I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide certified mail with receipt displaying my signature. If not please investigate and remove as they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards. 

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXXXXXX XXXX XXXX {$18.00} XXXX ; XXXXXXXX XXXX XXXX {$5.00} XXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im backbecause apparently it takes filing several disputes and an active CFPB complaint for Experian to glance at the evidence instead of resting on its laurels. Ive exhausted the traditional dispute channels with multiple submissions and full documentation yet Experian continues to greet my evidence with the same dismissive vendor verified response. Not once did you actually address the proof Ive provided. 


Once again here are the facts Account : XXXX ( XXXX XXXX alleged collection from XX/XX/year> ) Amount : Approximately {$1400.00} This account is based on a unethical collection company with several complaints So again, I paid XXXX directly for my move and I have proof Attached Documents Official UHaul order confirmation Completed move job details ( correct company date and address ) Paid receipts Yet somehow this low budget made up move out statement and a lease is what you all are using to verify this foolery! 

AgainLets also not ignore that XXXX  already deleted this exact item without even reviewing the very same documentation im handing you because transworld cant verify whats not actually owed. There is no excuse for Experian to keep it on my report while pretending the evidence does not exist. 

Under the Fair Credit Reporting Act Experian is legally required to Conduct a reasonable investigation Consider all relevant consumer-provided evidence Delete or correct any inaccurate information You have repeatedly failed to do so and instead relied on recycled verifications from the same furnisher Ive already proven to be reporting false information. 

If this item is not fully deleted within 7 days I will escalate further by Filing a formal FCRA violation complaint with the FTC and my State Attorney General Retaining a consumer rights attorney Publicly documenting and sharing this mishandling of my credit file I expect a full written response with your investigation results and an explanation for how you believe the attached evidence does not disprove this tradeline. If you can not do that delete it as required by 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 2025-07-03 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: OH

Complaint narrative:
XX/XX/year> These items reporting on my credit report is also past the 7 year statue of reporting and thus needs to be removed. 

None of the illegal accounts/INQUIRIES below is tied to any of my address which is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, they were all illegally opened. By FTC and FCRA these ACCOUNTS MUST BE REMOVED WITHIN 30 DAYS OF RECEIPT OF NOTICE Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX XXXX XXXX  These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX XXXX XXXX I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX  Transunion, and XXXX report. 

These addresses nor accounts are tied mXXXX XXXX report and these illegal items needs to be removed Immediately. This is seriously causing a delinquency on my score. These accounts are not listed on my ADDRESS ON MY XXXX AND NEEDS TO BE REMOVED ASAP! 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX XXXX XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, 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 2025-07-03 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: CA

Complaint narrative:
I am victim of identity theft, which has left me feeling vulnerable and distressed. Fraudulent accounts were opened in my name without my knowledge or consent, causing significant harm to my credit. I am determined to take the necessary steps to clear my name, protect my identity and restore my financial well-being. I kindly request that you please remove these files and the counts for my credit reports as they do not accurately reflect my financial history or responsibility. I appreciate any support and assistance and overcoming these unfortunate experience.

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 2025-07-03 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, Equifax & XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual abou t whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: WI

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: WI

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm unable to pull my credit report as in absolutely nothing comes up I'm not found in the system. It's as if don't have a credit credit profile.

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 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Subject : Unlawful Handling of Billing Error Dispute by XXXX and XXXX XXXX XXXXXXXX & Unfair Practices by Merchant Living XXXX XXXX XXXX Complaint Body : I am filing a formal complaint against XXXX and XXXX XXXX XXXXXXXX for their failure to adhere to the Fair Credit Billing Act ( FCBA ) in handling my chargeback disputes. 
The merchant, XXXX XXXX XXXX XXXX ( XXXX XXXX ), engaged in a " rug pull '' scheme. I made purchases based on their advertised Terms of Service, which guaranteed the ability to redeem winnings. On XX/XX/year>, the merchant unilaterally removed this function, breaching their contract and rendering my accumulated winnings of over {$40000.00} worthless. 
XXXX and XXXX XXXX XXXXXXXX ( personal credit card division ) denied my valid disputes, citing reasons that violate the XXXX, such as claims that the disputes were " past the timeframe '' or that " services were rendered. '' This is incorrect, as the error occurred on XX/XX/year>, making my disputes timely, and the service was clearly not delivered as agreed. 
Crucially, other financial institutionsXXXX XXXX and XXXX XXXX XXXXXXXX 's own XXXX XXXX divisionhave already reviewed these same facts and correctly processed the chargebacks in my favor. This demonstrates that XXXX and XXXX 's personal card division are misapplying federal law where other banks are not. The merchant also has a documented history of ignoring consumer complaints, having failed to respond to 70 of 73 complaints filed with the XXXX XXXX XXXX 
I have attached my comprehensive appeal letter sent to the banks, which includes photographic and documentary evidence of the merchant 's breach of contract and my financial damages. I request the CFPB 's intervention to compel XXXX and XXXX XXXX XXXXXXXX to conduct a proper investigation as mandated by law and reverse these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: IN

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 2025-07-03 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: PA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 


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Company response to consumer: Closed with non-monetary relief