vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint against XXXX Bank, XXXX XXXX XXXX XXXX XXXX, Experian, TransUnion, and Equifax for willful violations of the Fair Credit Reporting Act ( FCRA ) and related federal regulations. 

Previously, I discovered a fraudulent XXXX Bank account appearing on my credit reports. I provided XXXX Bank and all three credit bureaus with an FTC Identity Theft Report and other supporting documentation as required under FCRA 605B ( 15 U.S.C. 1681c-2 ). 

Pursuant to federal law, XXXX Bank removed and blocked the fraudulent account from all three credit reporting agencies. This resolution was confirmed, and my credit was restored. However, in XXXX of 2025, XXXX XXXX XXXX XXXX XXXX, acting on behalf of XXXX Bank or having obtained the account from them, began contacting me to collect on this same fraudulent account. 

Additionally, they reported this alleged debt to all three credit reporting agencies, causing new negative entries on my credit file. This action has significantly and adversely impacted my credit standing and is in direct violation of federal consumer protection laws. 

Violations of Federal Law : 1. FCRA 605B Block of Information Resulting from Identity Theft ( 15 U.S.C. 1681c-2 ) Once a consumer provides an identity theft report, a furnisher and credit reporting agency must block the reporting of the fraudulent information and prevent it from reappearing. XXXX Bank had no lawful right to transfer or reassign this fraudulent debt to XXXX XXXX XXXX for further collection or reporting. 

2. FCRA 623 ( a ) ( 6 ) Duties of Furnishers After Notice of Identity Theft ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) A furnisher who has been provided an identity theft report may not sell, transfer, or place for collection any debt arising from the identity theft. XXXX Bank violated this provision by allowing XXXX XXXX XXXX to attempt collection. 

3. FCRA 623 ( a ) ( 1 ) ( A ) Duty to Provide Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) Furnishers may not report information they know or should know is inaccurate. XXXX XXXX XXXX reported this fraudulent debt despite its prior confirmed removal.

4. FCRA 1681b ( f ) Permissible Purpose for Obtaining a Credit Report XXXX XXXX XXXX likely obtained and used my credit report in connection with collecting a fraudulent account, which is not a permissible purpose under the statute. 

5. FCRA 1681s-2 ( b ) Duty to Investigate Disputed Information After receiving notice from the credit bureaus or me directly, both XXXX Bank and XXXX XXXX XXXX XXXX XXXX conduct a reasonable investigation, as evidenced by the continued reporting and collection attempts. 

6. FDCPA Violations ( 15 U.S.C. 1692e and 1692f ) False or misleading representations and unfair practices in attempting to collect a debt that is not owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I froze credit accounts with experian and XXXX  and XXXX  in the past. 
When I tried to get a new credit card, XXXX  and XXXX  unfroze my accounts. Experian would not allow me access to my account. Sometimes they say I am a bot, sometimes they say my information is inaccurate- the 'information ' is my ssn which hasn't ever changed, and my phone number which hasn't changed in 20 years. 
I wrote to experian since they won't talk to me on the phone or accept emails. They did nothing to fix the problem. They didn't even mention the problem. They just sent some papers which had inaccurate information. 
I first wrote to them on XX/XX/year>. I also filed a complaint through CFPB on that date. 
I have written to them twice now. I don't think they even read the complaint.

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 2025-08-15 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 kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, I had a few late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 

SEE ATTACHED.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
This account has been disputed multiple times with XXXX  and XXXX. Each time, XXXX has updated the payment history with conflicting statuses for the same months. This indicates XXXX  does not have accurate records and is verifying information without proper documentation. 

Below is a comparison of the payment history they have furnished on separate occasions : Month/Year Original Report Updated XX/XX/XXXX Unknown Current XX/XX/XXXX Current Unknown XX/XX/XXXX Unknown Current XXXX XXXX Current 30 Days Late May 2023 30 Days Late Unknown XX/XX/XXXX Unknown Current XX/XX/XXXX Current 30 Days Late Nov 2023 30 Days Late 60 Days Late Dec 2023 60 Days Late 90 Days Late Feb 2024 90 Days Late Charged Off No written explanation or documentation was provided to justify why these months changed from Current to Late or vice versa between disputes. 

This inconsistency proves XXXX  can not reliably verify the accuracy of the information they are furnishing. These updates have also caused measurable harm to my credit score, as the newer version shows a more severe and recent delinquency progression. 

I request : Immediate deletion of this account from all credit bureaus due to unverifiable and inaccurate reporting. 
A complete investigation into XXXX  recordkeeping and verification procedures. 
Copies of all records, contracts, and payment history XXXX  claims to have relied upon for this reporting. 

Violations : FCRA 623 ( a ) ( 1 ) ( A ) Reporting information known or should be known to be inaccurate.

FCRA 623 ( a ) ( 2 ) Failure to correct and update information that is incomplete or inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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:
I have multiple false reportings on my credit report such as my name XXXX XXXX XXXX, open accounts that are not mine, and addresses that do not belong to me please fix this error

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Complaint Title : FCRA 605B Identity Theft Failure to Delete Fraudulent Account and Notify All CRAs Complaint : I am the victim of identity theft. The account in question, XXXX Bank Account Number XXXX XXXX was opened/used without my authorization. This account shows three late payments ( XXXX XXXX 30 days, XXXX XXXX 60 days, XXXX XXXX 30 days ), an original balance of {$520.00}, opened on XX/XX/XXXX, and closed in XX/XX/XXXX. 

I submitted a formal dispute and deletion request under FCRA 605B ( 15 U.S.C. 1681c-2 ) to both XXXX  and the furnisher, along with the required documentation : government-issued ID, proof of address, and a police/FTC identity theft report. 

Under 605B, TransUnion is required to block and delete the fraudulent account within 4 business days. Under FCRA 623 ( b ), the furnisher is required to correct.

The account remains on my TransUnion credit file and may still be reported to other CRAs. This is a willful violation of 605B, 611, and 623 ( b ) of the FCRA. 

I am requesting to take immediate action to enforce deletion of this fraudulent account across all CRAs, confirm compliance, and address the statutory violations.

Resolution Requested : Permanent deletion of the fraudulent account from all credit bureaus. 

Written confirmation from XXXX  and XXXX Bank that the account has been blocked under 605B and will not be reinserted without certification and written notice. 

XXXX that all CRAs have been updated per 623 ( b ).

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LEXISNEXIS
State: NC

Complaint narrative:
I, XXXX XXXX, am submitting this formal complaint regarding identity theft and the unlawful reporting of compromised accounts and negative information on my consumer reports. 

On XX/XX/XXXX, LexisNexis Risk Solutions suffered a major data breach that exposed the personal information of approximately XXXX consumers, including my full legal name, date of birth, Social Security number, drivers license number, and contact information. LexisNexis publicly disclosed the breach in XX/XX/XXXX and confirmed that sensitive identifiers had been accessed by unauthorized parties. This breach directly compromised all of my personal identifiers, placing me at ongoing and unavoidable risk of identity theft. 

All accounts currently reporting in my name are compromised. The information being furnished and reported is the result of criminal use of my stolen identifiers. These accounts were opened and/or used without my authorization, and any negative history is a direct product of this identity theft event.

Applicable Law and My Rights 1. 15 U.S.C. 1681c2 ( FCRA Block of Information Resulting from Identity Theft ) Under 1681c2 ( a ), a consumer reporting agency shall block the reporting of any information in a consumers file that the consumer identifies as resulting from an alleged identity theft, not later than 4 business days after receiving : 1. Appropriate proof of identity ; 2. A copy of an identity theft report ; 3. The identification of the fraudulent information ; and 4. A statement that the information is not related to any transaction by the consumer.

Under 1681c2 ( b ), once blocked, the information may not be resold or placed back on a report unless there is material evidence it was blocked in error.

2. 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) CRAs must delete any information found to be inaccurate or unverifiable within 30 days of a dispute.

3. 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) No CRA may furnish my credit file to any entity without a legally permissible purpose, and after identity theft, any such furnishing without my consent violates this section.

4. 15 U.S.C. 1681e ( b ) ( Maximum Possible Accuracy ) CRAs must follow reasonable procedures to assure maximum possible accuracy. Continuing to report fraudulent accounts after notification violates this duty. 
My Position The continued reporting of these accounts and negative entries is illegal under 1681c2 because I have provided and will provide the necessary identity theft report and documentation.

These accounts were opened or used fraudulently and are the direct result of my compromised personal identifiers from the XXXX LexisNexis breach. 
The presence of these accounts on my credit file is causing ongoing harm and violates my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was XXXX  in XXXX  I got out on Social Security XXXX my mother was taking care of me Im unable to move around and do certain things and normal person could do because of my XXXX I need help doing things on a day-to-day basis! It was literally impossible for me to be in XXXX! I got of my of Social Security, Coming to see at my Mom house checking up on my illness been on there since XXXX staying with her!

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXXSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Experian Consumer Services,\n\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as followsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXINQUIRYXXXX XXXXXXXX XXXX XXXX XXXX XXXXUnder 15 U.S.C.  1681c-2(a), I request that Experian promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.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 2025-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The listed entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no effective steps have been taken. Despite submitting all required documentation and following up multiple times, the errors remain unresolved. This ongoing situation has caused significant financial strain and negatively impacted my well-being. The process of addressing these inaccuracies has been both frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial activity, including the timely correction of outdated or incorrect information. I am requesting that you take immediate steps to correct or remove the erroneous late payment entries. Continued inaction would constitute a violation of my rights under federal law. 
I expect a prompt and thorough resolution to this matter. Thank you for your attention.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Unauthorized access to my credit report by multiple companies has caused direct and measurable harm to both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honoredthese inquiries remain on my report. This inaction is unacceptable. The continued presence of these potentially fraudulent entries constitutes a serious breach, strongly indicating identity theft, and is causing ongoing emotional and financial harm.

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 2025-08-16 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: SC

Complaint narrative:
I filled a ( FTC ) report to credit bureau .I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent over both police reports, creditors and collection agencies information, along with statements reflecting the fraudulent purchases, and opening of accounts in my name. Ive also shared the i formation of the collection agencies that have continued to violate my consumer rights! Somehow this information has not been acknowledged, those fraudulent accounts are still on my credit report even after providing the proper documentation. Every credit reporting bureau has received the same information from me, and its beginning to feel as if no one is reading the i formation. Please remove those negative accounts that are fraudulent. XXXX XXXX XXXXXXXX and XXXX XXXX. TransUnion, Equifax, and Experian

Company response to consumer: Closed with explanation