vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: NH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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. I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO Experian credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of an unsecured loan opened at XXXX XXXX on XX/XX/year> under the account number XXXXXXXX XXXX XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-28 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: CT

Complaint narrative:
I am submitting this formal complaint regarding Experian 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided Experian with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Experian failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs 2012 bulletin underscores Experian 's failure to uphold consumer protections under the FCRA. Supervisor XXXX, in response to CFPB Complaint # XXXX filed on XX/XX/XXXX under XXXX # XXXX, stated, We dont remove negative items, as the reason for not removing the accounts in question.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have noticed inquiries on my XXXX  Transunion as well as my XXXX  Credit report on this date of XX/XX/year>. 

XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ) TransUnion : XXXX XXXX XXXXXXXX ( bank ) XXXX XXXX XXXX XXXX ( Bank ) XXXX, XXXX XXXX ( Bank ) XXXX, XXXX XXXX ( Bank ) XXXXXXXX XXXX XXXX ( Bank ) XXXX, and XXXX XXXX ( finance ) XXXX XXXX  Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Please remove all unauthorized inquiries from my credit report. They are not mine and is a result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: NJ

Complaint narrative:
I have noticed inquiries on my XXXX XXXX as well as my Equifax Credit report on this date of XX/XX/year>. 

XXXX  XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( bank ) XXXXXXXX XXXX XXXX XXXX ( Bank ) XXXX, XXXX XXXX ( Bank ) XXXX, XXXX XXXX ( Bank ) XXXX, XXXX XXXX ( Bank ) XXXX, and XXXX XXXX ( finance ) XXXX Equifax Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove all unauthorized inquiries from my credit report. They are not mine and is a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: NJ

Complaint narrative:
I have noticed inquiries on my Experian XXXX  as well as my XXXX  Credit report on this date of XX/XX/year>. 

Experian XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( bank ) XXXX XXXX XXXX XXXX ( Bank ) XXXX, XXXX XXXX ( Bank ) XXXX, XXXX XXXX ( Bank ) XXXXXXXX XXXX XXXX ( Bank ) XXXX, and XXXX XXXX ( finance ) XXXX XXXX  Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Please remove all unauthorized inquiries from my credit report. They are not mine and is a result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear transunion, I am writing to formally request the removal of all reported late payments associated with my account # [ Your Account Number ]. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I have the right to dispute any information on my credit report that I believe may be incomplete or inaccurate. I am requesting a reinvestigation into these late payment entries, as I believe they do not reflect the full context or circumstances and may not meet the standard of complete accuracy or fair reporting required by 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ). If these late payments can not be fully verified as accurate and in compliance with reporting standards, I respectfully request their immediate deletion in accordance with FCRA guidelines.

Thank you for your time and cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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 2025-05-28 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: DE

Complaint narrative:
I pulled my credit report first time in years and it had incorrect names, addresses, employment, phone numbers, inquiries

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 2025-05-28 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: AZ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been the victim of identity theft since XXXX, and despite repeated disputes and reports, TransUnion has continued to allow fraudulent accounts and inquiries to remain on my credit file. I attempted to lock my credit file with TransUnion before the latest activity, but their system failed, and I was unable to complete the lock. As a result, on XX/XX/XXXX, I was alerted by XXXX XXXX to 11 unauthorized hard inquiries. 
TransUnion has also failed to remove two previously disputed accounts XXXX and XXXX XXXXen though I reported them as fraudulent years ago. I provided documentation multiple times and was ignored. I have now submitted a full FTC Identity Theft Report ( FTC Report # XXXX ) and have mailed a formal complaint letter to TransUnions legal department. 
I am requesting : ( 1 ) Removal of all fraudulent inquiries, ( 2 ) Removal of the XXXX and XXXX XXXXccounts, ( 3 ) Full credit lock reinstated, and ( 4 ) Investigation into TransUnions mishandling of my prior reports.

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 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX Subject : Request for Debt Validation Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Co. 

To Whom It May Concern, This letter is being sent in response to your letter dated XX/XX/XXXX, regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation made pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 

I request that you provide the following information : The amount of the debt ; The name of the creditor to whom the debt is currently owed ; A detailed explanation of how the amount was calculated ; A copy of the original contract or agreement bearing my signature, if applicable ; Verification that you are authorized to collect debts in my state ; A copy of any judgment, if applicable ; Proof that you have the legal right to collect this debt on behalf of the original creditor ( XXXX XXXX XXXX XXXX XXXX ). 

Until you provide the above documentation, I request that all collection efforts cease, including any reporting of this alleged debt to credit bureaus, as doing so without proper validation would be a violation of the FDCPA. 

If you do not provide the requested validation within 30 days of receiving this letter, I will consider the matter closed and will report any further collection activity as a violation of federal law. 

Please communicate with me in writing only. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed some fraudulent accounts, please delete the fraudulent accounts. thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: NY

Complaint narrative:
I am writing to dispute the hard inquiries listed on my Transunion credit report. Upon reviewing my report, I noticed inquiries that are inaccurate and unauthorized. Below are the details of the disputed inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have thoroughly reviewed my records and can confirm that I did not authorize these inquiries or apply for credit with the creditors above on the date specified.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
21st XXXX Mortgage XXXX is reporting a tradeline to Equifax under XXXX XXXX. XXXX, listing the address XXXX XXXX XXXX, XXXX XXXX, XXXX, TN XXXX and phone number XXXX. 

I have no contractual, financial, or legal relationship with this entity. I have never signed, applied for, or authorized any loan, mortgage, credit account, or servicing agreement with 21st XXXX Mortgage XXXX. 

This company is not named on my original loan agreements, mortgage servicing records, foreclosure notices, or any other lawful documentation. 

I submitted a formal dispute and requested verification under FCRA 1681s-2 ( b ) including production of the original promissory note, proof of debt ownership, and furnisher authority to report data. I received no response, constituting willful noncompliance with the FCRA. 

This tradeline is unauthorized, materially false, and actively harming my credit profile. It appears to stem from a misidentified furnisher, internal error, or unverified data transfer. 

I request immediate deletion of this tradeline and a formal investigation into the legitimacy and authority of 21st XXXX Mortgage XXXX as a data furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: Nelnet, Inc.
State: CA

Complaint narrative:
I was overseas and recently just returned to the U.S.

I just noticed a lot of accounts on my credit report due to an identity theft. Please remove the DEPTEDNELNET accounts from all of my credit reports immediately and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Keynote Consulting, Inc.
State: IL

Complaint narrative:
The account is not a charge off. It states settled for less.it is paid the remains was a 1099c. Please remove this account from my credit report for inaccurate reporting.

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 2025-05-28 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:
I pulled my credit report and I observed some unfamiliar inquiries and accounts. Then after checking, I observed my information was leaked in a data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$120.00}

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 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
requested collection agency show proof of ownership of debt or debt validated and no response and it is still reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed some fraudulent accounts, please delete the fraudulent accounts. thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter serves as final notice of my dispute regarding the inaccurate late payment reporting on my credit file and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite previous disputes, you have continued reporting this derogatory information without providing any documentation to support its validity. A generic 'verified ' response does not satisfy the legal requirement to perform a reasonable reinvestigation under FCRA 1681i. You are also in violation of FCRA 1681e ( b ) which requires that you ensure the maximum possible accuracy of the information you report. Your failure to remove unverifiable data and your refusal to produce original documentation demonstrates willful noncompliance. 
You now have 30 days from the date of this letter to provide the following : - Full and complete documentation from the original creditor validating the alleged late payment ; - A detailed explanation of the reinvestigation process and verification methods ; - Immediate deletion of the disputed item if it can not be 100 % verified with original, substantive evidence.

In support of my position, I refer you to the most recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against major credit reporting agencies : - In XX/XX/year>, Equifax was fined {$15.00} XXXX for improper investigations and failure to comply with FCRA accuracy requirements. 
These actions prove a pattern of systemic negligence in the industry. Your behavior mirrors the violations highlighted in these cases and only strengthens my intent to pursue legal remedies.

Company response to consumer: Closed with non-monetary relief