vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-10 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: Client Services, Inc.
State: NC

Complaint narrative:
XXXX XXXX is under Synchrony Bank. XXXX will not remove from all 3 of my reports. XXXX  had removed it, and now it is right back. Each time it gets removed Synchrony bank keeps adding it back with violates XXXX XXXX XXXX. XXXX XXXX account was sold to XXXXXXXX XXXX. I have submitted the contract that i now have with XXXX XXXX. I balance was XXXX. I have made 3 payments so my current balance is XXXX. I want XXXXSynchrony BankXXXX XXXX permanently removed from my credit files. XXXX XXXX XXXX and XXXX They tell lies continuously to try and ruin my credit. I can't get anything because of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: NC

Complaint narrative:
Upon reviewing my recent credit report, I discovered that I am a victim of identity theft. Specifically, I identified one credit inquiry that I did not authorize and have no knowledge of : XXXX XXXX XXXX XXXX XX/XX/year>2025 I am requesting that this fraudulent inquiry be removed from my credit report immediately. For your reference, I have also attached my identity theft report to support this claim. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I have tried on multiple occasions to speak with representatives from XXXXXXXX XXXX about my current financial hardship and options for assistance with my auto loan. Unfortunately, both the woman I spoke to previously and the man I spoke to today ( XX/XX/year>2025 ) were dismissive, lacked empathy, and offered no solutions beyond telling me I had to continue making payments I simply can not afford. 

I explained that I am a single mother to a child with special needs, and my current work situation makes it difficult to maintain consistent income. I asked about hardship assistance programs or settlement options, and I was told those departments dont exist. I was made to feel like I had no options other than default or repossession, which has left me extremely XXXX  and fearful. 

I am not trying to avoid my responsibilityI just need help, and Im willing to resolve the loan. Im asking that someone from XXXX XXXX review my account with compassion and consider a payment plan, deferment, or settlement. Im doing my best to avoid repossession, but I can not continue like this without support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TX

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

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

Company 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 2025-07-10 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 dispute the inclusion of fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2, which allows for the blocking of information resulting from identity theft.

The following accounts appearing on my credit report are not mine and are the result of identity theft : 1. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX In accordance with the law, I am requesting that these accounts be permanently blocked and removed from my credit report. Enclosed with this letter, you will find the following supporting documentation as required by 1681c-2 : A copy of a valid government-issued photo ID A copy of a utility bill or other proof of current address A copy of the Identity Theft Report filed with the FTC or local law enforcement ( FTC Identity Theft Affidavit or police report ) Please confirm in writing once these items have been removed and provide an updated copy of my credit report.

Thank you for your prompt attention to this matter. If you need any additional information, I can be reached at the contact information above.

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 2025-07-10 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: DE

Complaint narrative:
About a year ago my identity was stolen. Someone been using my name & social security number to gain capital. Now it's accounts on my report that's not mines.

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 2025-07-10 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: MI

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: MI

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX that no proof of the alleged debt. Nor any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). 
XXXX XXXX XXXX Balance {$600.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: MI

Complaint narrative:
In XX/XX/2025XXXX XXXX XXXX  XXXX reported a 30-day late payment on my credit report. I disputed the information and submitted a formal Method of Verification ( MOV ) request through Experian. On XX/XX/ 2025, Experian marked the dispute as Updated, stating the creditor confirmed the information as accurate. However, Experian did not provide any documentation, records, call logs, or other evidence demonstrating how the information was verified. 

Instead, they merely repeated that the creditor reported the account as late which does not satisfy the legal requirements for a valid MOV under the Fair Credit Reporting Act ( FCRA ). Under the FCRA, a credit bureau must show how the information was verified, not just that the furnisher said it was correct. A generic statement from the furnisher is not sufficient to meet this legal obligation. 

I specifically requested a copy of the method used to verify the late payment, but no such information was provided. There was no description of a procedure, no investigation summary, and no documentation only a repetition of the creditors claim. This constitutes a clear violation of Experians duty under the FCRA, which requires that the bureau provide a meaningful description of the procedure used to determine the accuracy and completeness of the disputed information.

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 2025-07-10 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: MI

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.

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 2025-07-10 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: TX

Complaint narrative:
I am writing to formally dispute the inclusion of fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2, which allows for the blocking of information resulting from identity theft.

The following accounts appearing on my credit report are not mine and are the result of identity theft : 1. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX In accordance with the law, I am requesting that these accounts be permanently blocked and removed from my credit report. Enclosed with this letter, you will find the following supporting documentation as required by 1681c-2 : A copy of a valid government-issued photo ID A copy of a utility bill or other proof of current address A copy of the Identity Theft Report filed with the FTC or local law enforcement ( FTC Identity Theft Affidavit or police report ) Please confirm in writing once these items have been removed and provide an updated copy of my credit report.

Thank you for your prompt attention to this matter. If you need any additional information, I can be reached at the contact information above.

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 2025-07-10 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 writing to formally dispute the inclusion of fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2, which allows for the blocking of information resulting from identity theft.

The following accounts appearing on my credit report are not mine and are the result of identity theft : 1. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX In accordance with the law, I am requesting that these accounts be permanently blocked and removed from my credit report. Enclosed with this letter, you will find the following supporting documentation as required by 1681c-2 : A copy of a valid government-issued photo ID A copy of a utility bill or other proof of current address A copy of the Identity Theft Report filed with the FTC or local law enforcement ( FTC Identity Theft Affidavit or police report ) Please confirm in writing once these items have been removed and provide an updated copy of my credit report.

Thank you for your prompt attention to this matter. If you need any additional information, I can be reached at the contact information above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: KS

Complaint narrative:
XXXX XXXX\nDOB: XXXX\nSSN: XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX\nDATE: XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n19016\n\nSubject: Dispute of Fraudulent Information Under 15 U.S. Code \n1681c-2 (Identity Theft)\n\nTo Whom It May concern\nI am writing to formally dispute and request the immediate blocking of fraudulent information on my credit report in accordance with 15 U.S.\nCode  1681c-2, which provides protections for victims of identity theft.\nI am a victim of identity theft, and certain items on my credit report do not relate to any accounts I have opened or authorized. In accordance with federal law, I am requesting that Experian block the reporting and future furnishing of this information. Below is a list of the fraudulent items that must be removed:\n\nDisputed Accounts:\n\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nEnclosed are the required documents to support my dispute, as required under 15 USC 1681c-2:\n1. A copy of my government-issued photo ID\n2. A police report or identity theft report (as defined under 15 USC\n 1681a(q))\n4. A statement explaining that the information listed above resulted from identity theft\n\nUnder 15 USC  1681c-2, you are legally obligated to block this information within 4 business days of receiving my request and documentation. Please confirm in writing that the requested accounts have been removed and will not be reinserted into my credit file.\n\nThank you for your prompt attention to this matter. Please send all future correspondence related to this dispute to the address listed above.\nSincerely,'

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 2025-07-10 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: CBC Companies, Inc.
State: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: NJ

Complaint narrative:
There are four collection accounts currently being reported by TransUnion that should not be on my credit report. One is from XXXX & XXXX with the original creditor listed as XXXX XXXX, Account # : XXXX. Another is from XXXX XXXX for XXXX XXXX XXXX CO, Account # : XXXX. The remaining XXXX are also from XXXX XXXX, both associated with XXXX XXXX XXXXXXXX XXXX Account # : XXXX and XXXX. I have never received proper validation for any of these accounts. I have not been provided with a signed contract, a full itemization of the alleged debts, or any documentation proving these collectors are legally authorized to report or collect on these accounts. Despite this, these accounts were submitted to TransUnion and added to my consumer report without my knowledge, consent, or proper verification. Under 12 CFR 1006.34 ( b ) ( 5 ), debt collectors are required to provide complete and accurate validation of a debt before furnishing it to any consumer reporting agency. I was also never given a meaningful opportunity to dispute these debts beforehand, which violates 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Reporting these accounts to TransUnion without providing the required information is a clear violation of 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) of the Fair Credit Reporting Act. Furthermore, TransUnion is in violation of 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies maintain only information that meets the standard of maximum possible accuracy. These accounts do not meet that standard. They are inaccurate, unvalidated, and reported without lawful basis.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

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

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

Company response to consumer: Closed with non-monetary relief