vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm a XXXX XXXX American citizen, and I am being targeted and discriminated against by Experian, who continue to report fraudulent and harmful credit items despite my disputes and proof of identity theft. 

These credit bureaus are acting in bad faith, and their refusal to comply with federal law appears racially motivated. By selectively ignoring my disputes and keeping false derogatory accounts on my credit file, they are effectively discriminating against me as an XXXX XXXX by denying me equal access to housing, employment, and credit. 

Under XXXX XXXX. XXXX ( FCRA ), the bureaus are legally required to block identity theft-related information within XXXX business days when I provide : -Proof of my identity -An identity theft report -Identification of fraudulent items -A statement affirming these items are not mine I have submitted all of these, yet they refuse to remove these illegitimate items. Their actions constitute not only willful violations of the Fair Credit Reporting Act, but also a violation of the Equal Credit Opportunity Act ( XXXX XXXX. XXXX ), which prohibits XXXX discrimination in credit reporting and access. 

Please remove the unauthorized, fraudulent accounts. 
Here are the fraudulent and harmful items still being reported against me : Accounts : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$6400.00} XXXX, XXXX  XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} By refusing to delete these fraudulent accounts and inquiries, the credit bureaus are : Violating XXXX XXXX. XXXX by failing to block identity theft accounts Violating XXXX XXXX. XXXX by failing to properly validate debts Violating the Equal Credit Opportunity Act by racially discriminating against me, an XXXX American citizen I demand the immediate deletion of these fraudulent items. If not corrected, I will pursue legal action under XXXX XXXX. XXXX, entitling me to {$1000.00} per violation plus damages for their reckless disregard of my rights. 

These credit bureaus are profiting from systemic XXXX discrimination, and their refusal to treat me fairly is a direct violation of my civil and consumer rights. I demand justice. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Tx, 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 2025-09-11 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: FL

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 XXXX XXXX XXXX confidentiality under XXXX XXXX XXXX. 

The accounts below have violated my rights. 
XXXX XXXX XXXX section XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXXXXXX XXXX XXXXXXXX ( A ) ( a ) 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. 

Delete the accounts below. 

XXXX XXXX : XX/XX/XXXX SYNCB/PAYPAL : XX/XX/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 2025-09-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX XXXX not refute my complaint by stating that I filed this by some other means than myself. There is no XXXX XXXX involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Company has listed incorrect dates on credit report. Account was opened XX/XX/year> not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Global Lending Services LLC
State: PA

Complaint narrative:
I want to buy a car, XXXXXXXX XXXX XXXXXXXX in XXXX XXXX XXXX They have been check my credit XXXX  times, wihout my acknowledge. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: MI

Complaint narrative:
Hi XX/XX/XXXX XXXX XXXX XXXX have been a victim of identity theft. 
I have filed a report with XX/XX/XXXX. 
I have already had freezes on all three credit reporting agencies. However, I was denied Credit due to tons of fraud on my Transunion, Equifax and Experian credit reports!

I have been a part of XXXX cyber attacks in XX/XX/XXXXEquifax data breach XXXX They still have not cleared off every negative item of my credit report cleared it XX/XX/XXXX system XXXX XXXX XXXX XXXX XXXX Tonight I learned that Transunion mailed my credit report to an unknown address that I have never lived at. 
So I was just breached again this evening XXXX The supervisor from the special handling department laughed as she had her child was crying in the background during work hours! 
How can our personal information be kept private when we have employees working from home with other people in the house? 
I want every single negative item removed from all three credit reporting agencies The only thing that I have on there and I have not applied for credit in XXXX years Is my XX/XX/XXXXand my XXXX XXXX, which are all in good standing Please contact me XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: MI

Complaint narrative:
Hi XX/XX/XXXX XXXX XXXX XXXX have been a victim of identity theft. 
I have filed a report with XX/XX/XXXX. 
I have already had freezes on all three credit reporting agencies. However, I was denied Credit due to tons of fraud on my Transunion, Equifax and Experian credit reports!

I have been a part of XXXX cyber attacks in XX/XX/XXXXEquifax data breach XXXX They still have not cleared off every negative item of my credit report cleared it XX/XX/XXXX system XXXX XXXX XXXX XXXX XXXX Tonight I learned that Transunion mailed my credit report to an unknown address that I have never lived at. 
So I was just breached again this evening XXXX The supervisor from the special handling department laughed as she had her child was crying in the background during work hours! 
How can our personal information be kept private when we have employees working from home with other people in the house? 
I want every single negative item removed from all three credit reporting agencies The only thing that I have on there and I have not applied for credit in XXXX years Is my XX/XX/XXXXand my XXXX XXXX, which are all in good standing Please contact me XXXX XXXX XXXXXX/XX/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 2025-09-11 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: NJ

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 XXXX : XXXX. 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 XXXX business days after the date of receipt.

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 2025-09-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
I'm a XXXX XXXX American citizen, and I am being targeted and discriminated against by TransUnion, who continue to report fraudulent and harmful credit items despite my disputes and proof of identity theft. 

These credit bureaus are acting in bad faith, and their refusal to comply with federal law appears racially motivated. By selectively ignoring my disputes and keeping false derogatory accounts on my credit file, they are effectively discriminating against me as an XXXX XXXX by denying me equal access to housing, employment, and credit.

Under 15 U.S.C. 1681c-2 ( FCRA ), the bureaus are legally required to block identity theft-related information within XXXX business days when I provide : -Proof of my identity -An identity theft report -Identification of fraudulent items -A statement affirming these items are not mine I have submitted all of these, yet they refuse to remove these illegitimate items. Their actions constitute not only willful violations of the Fair Credit Reporting Act, but also a violation of the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ), which prohibits XXXX discrimination in credit reporting and access. 

Please remove the unauthorized inquiries and fraudulent accounts. 
Here are the fraudulent and harmful items still being reported against me : Accounts : XXXX  XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$6400.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Inquiries : XXXX XXXX  - XXXX By refusing to delete these fraudulent accounts and inquiries, the credit bureaus are : Violating 15 U.S.C. 1681c-2 by failing to block identity theft accounts Violating 15 U.S.C. 1692g by failing to properly validate debts Violating the Equal Credit Opportunity Act by racially discriminating against me, an XXXX XXXX  citizen I demand the immediate deletion of these fraudulent items. If not corrected, I will pursue legal action under 15 U.S.C. 1681n, entitling me to {$1000.00} per violation plus damages for their reckless disregard of my rights. 

These credit bureaus are profiting from systemic XXXX discrimination, and their refusal to treat me fairly is a direct violation of my civil and consumer rights. I demand justice. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Tx, 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 2025-09-11 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: NY

Complaint narrative:
I am writing to dispute certain items in my credit report which I believe to be inaccurate, outdated, or unverifiable. I respectfully request that these matters be reinvestigated in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 
I have identified several addresses in my credit report that are incorrect and do not belong to me, including XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, and a misreported version of my actual address listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX While XXXX XXXX XXXX is my correct residence, the ZIP code is inaccurate and must be corrected to reflect XXXX. I have never lived at the other two addresses, and they are being erroneously linked to my credit profile. My only current and accurate address is XXXX XXXX XXXX, XXXX XXXX, NY XXXX, and it should be the only one appearing on my file. In accordance with FCRA Sections 609 ( a ) ( 1 ) and 607 ( b ), I am requesting the immediate deletion or correction of these addresses to ensure my personal information is being reported with maximum possible accuracy.

In addition to these personal identification issues, I am also disputing the accuracy and reporting of two charge-off accounts. The first is from XXXX  XXXX XXXX, showing a reported balance of {$2300.00}. The second is a recently reported charge-off from XXXX XXXX, with an account ending in XXXX and a balance of {$8800.00}. I am concerned that these accounts may be inaccurately reported or lack proper verification. Under FCRA Section 611 ( 15 U.S.C. 1681i ), I am formally requesting a reinvestigation of both accounts. If either XXXX  XXXX XXXX or XXXX can not provide sufficient documentation verifying the accuracy of these entries, I am requesting that the accounts be deleted accordingly.

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 2025-09-11 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:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

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 2025-09-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am submitting this formal complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent account from XXXX XXXX XXXX having received all required documents, Experian has failed to block or delete these accounts, indirect violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ) .Their refusal to comply continues to cause harm to my creditworthiness and financial well-being.

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 2025-09-11 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I asked the to send me the original signed document.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
On XX/XX/year> Ive discovered im in the early warning and Chex system by a peer who gave me knowledge by that being the reason Im having issues opening certain bank accounts. I took the time to look into it and finally received my consumer report that shows multiple bank accounts that was opened and closed without my consent. The only bank Im familiar with is the XXXX XXXX, the other banks such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and etc. ONLY XXXX Im familiar with. The consumer report shows everything from date to bank name that was opened and closed without my consent. This is stopping me from having the financial life I want

Company response to consumer: Closed with explanation