vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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 am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by XXXX  as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: CA

Complaint narrative:
Found an inquiry on my report that I don't recognize. I'm a victim of an 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 2025-04-09 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: WA

Complaint narrative:
I disputed an inaccurate account 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 On my credit report ( EXPERIAN ). They responded that the account was " verified '' but did not provide any Method of Verification as required under FCRA s 611 ( a ) ( 7 ).

I then sent a written request for the Method of Verification, and they have failed to provide adequate proof or respond within the required time frame. If they can not verify the account with documented evidence, they are legally required to remove it under Fair Credit Reporting Act. 

Additionally, this account was previously Equifax report after a dispute, yet EXPERIAN continues to report it without proper validation. This inconsistency raises concerns about EXPERIAN compliance with FRCA accuracy standards ( s 623 )

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 2025-04-09 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX. XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXXXXXX XXXX  Debt XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts, XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: CA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX 2000 XXXX, PA XXXX Subject : Identity Theft Report Dear Sir/Madam, I am writing to formally notify you of an incident of identity theft. I believe that my personal information has been compromised, and unauthorized accounts have been opened in my name. I request that you place a fraud alert on my credit report to protect against further fraudulent activity. 
Below are my details : XXXX. XXXX XXXX, NY XXXX XXXX XXXX way # XXXX XXXX XXXX XXXX, CA,92110 XXXX XXXX ( if applicable ) : [ Previous Address, if relevant ] XXXX ) XXXX XXXX I have already filed a report with the appropriate law enforcement agency, and a copy of the police report is attached to this letter. I also request that you provide me with a copy of my credit report from each bureau to ensure no additional fraudulent activity has occurred under my name. 
Please acknowledge the placement of the fraud alert and let me know if any further information is required to assist in the investigation. I understand my rights and request that all appropriate actions are taken to protect my identity and credit status. 
Thank you for your prompt attention to this matter. 
Sincerely, Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX 2000 XXXX, PA XXXX Subject : Identity Theft Report Dear Sir/Madam, I am writing to formally notify you of an incident of identity theft. I believe that my personal information has been compromised, and unauthorized accounts have been opened in my name. I request that you place a fraud alert on my credit report to protect against further fraudulent activity. 
Below are my details : XXXX. XXXX XXXX, NY XXXX XXXX XXXX way # XXXX XXXX XXXX XXXX, CA,92110 XXXX XXXX ( if applicable ) : [ Previous Address, if relevant ] XXXX ) XXXX XXXX I have already filed a report with the appropriate law enforcement agency, and a copy of the police report is attached to this letter. I also request that you provide me with a copy of my credit report from each bureau to ensure no additional fraudulent activity has occurred under my name. 
Please acknowledge the placement of the fraud alert and let me know if any further information is required to assist in the investigation. I understand my rights and request that all appropriate actions are taken to protect my identity and credit status. 
Thank you for your prompt attention to this matter. 
Sincerely, [ Your Name ] [ Your Signature, if submitting via mail ]

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 2025-04-09 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:
Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX 2000 XXXX, PA XXXX Subject : Identity Theft Report Dear Sir/Madam, I am writing to formally notify you of an incident of identity theft. I believe that my personal information has been compromised, and unauthorized accounts have been opened in my name. I request that you place a fraud alert on my credit report to protect against further fraudulent activity. 
Below are my details : XXXX. XXXX XXXX, NY XXXX XXXX XXXX way # XXXX XXXX XXXX XXXX, CA,92110 XXXX XXXX ( if applicable ) : [ Previous Address, if relevant ] XXXX ) XXXX XXXX I have already filed a report with the appropriate law enforcement agency, and a copy of the police report is attached to this letter. I also request that you provide me with a copy of my credit report from each bureau to ensure no additional fraudulent activity has occurred under my name. 
Please acknowledge the placement of the fraud alert and let me know if any further information is required to assist in the investigation. I understand my rights and request that all appropriate actions are taken to protect my identity and credit status. 
Thank you for your prompt attention to this matter. 
Sincerely, Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX 2000 XXXX, PA XXXX Subject : Identity Theft Report Dear Sir/Madam, I am writing to formally notify you of an incident of identity theft. I believe that my personal information has been compromised, and unauthorized accounts have been opened in my name. I request that you place a fraud alert on my credit report to protect against further fraudulent activity. 
Below are my details : XXXX. XXXX XXXX, NY XXXX XXXX XXXX way # XXXX XXXX XXXX XXXX, CA,92110 XXXX XXXX ( if applicable ) : [ Previous Address, if relevant ] XXXX ) XXXX XXXX I have already filed a report with the appropriate law enforcement agency, and a copy of the police report is attached to this letter. I also request that you provide me with a copy of my credit report from each bureau to ensure no additional fraudulent activity has occurred under my name. 
Please acknowledge the placement of the fraud alert and let me know if any further information is required to assist in the investigation. I understand my rights and request that all appropriate actions are taken to protect my identity and credit status. 
Thank you for your prompt attention to this matter. 
Sincerely, [ Your Name ] [ Your Signature, if submitting via mail ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax refuses to update outdated information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Byrider Franchising, LLC
State: NY

Complaint narrative:
I am filing this complaint against CNAC due to inaccurate credit reporting on my credit report. The entry listed as a Profit and Loss Write-off from CNAC was made on XX/XX/year> for an account related to a vehicle loan. 

I requested a voluntary repossession of the vehicle, but the dealership refused to accept the vehicle back. Despite this, CNAC reported the account as a charge-off, resulting in a derogatory mark on my credit report. This charge-off is inaccurate because the agreement I made for voluntary repossession was not properly processed. When I spoke to a representative to deal with the situation she told me you shouldnt have gotten it if you couldnt afford it. From the first day of getting the vehicle, it had problems which I addressed with them. The service team would not service my car, but outsourced it to another location in which they wanted me to pay for the diagnostics test for a car they gave me and would not switch out for a different one. I took it to another mechanic who informed me that the car should not have been sold because the transmission was bad, it was not worth how much they sold it for. 

Additionally, the payment due balance listed on my credit report is incorrect. 
I attempted to resolve this issue directly with CNAC by disputing the incorrect balance and reporting, but CNAC has not corrected or removed the erroneous entry from my credit report. 
I have already disputed this entry with the three credit bureaus ( XXXX, XXXX, and XXXX ) and provided evidence ( the receipt showing the incorrect balance ), but no corrective action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifaxs failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX and Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. I disputed discrepancies on my Equifax credit report. On XXXX XXXX an account from XXXX XXXX XXXX XXXX was removed during my second round of disputes. Only to have the account added back on my credit report just XXXX  days later. Which bought my credit down significantly. Please conduct a thorough reinvestigation of the following disputed accounts or items below. 

XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 

XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 


Given the recent CFPB findings, I expect Equifax to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If Equifax fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information contained in my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX XXXX ( XXXX ) standards. Due to the XXXX data breach, I have reason to believe that my credit file contains inaccurate and unverifiable information that must be corrected or removed immediately to prevent further damage to my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: LA

Complaint narrative:
I am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : Incorrect Name - XXXX, XXXX, XXXX EMPLOYER - XXXX This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve 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 non-monetary relief
Consumer complaint received 2025-04-09 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: NV

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX FCU # XXXX XX/XX/XXXX -- {$5200.00} XXXX FCU # XXXX XX/XX/XXXX -- {$5500.00} XXXX CRED # XXXX XX/XX/XXXX -- {$570.00} XXXX CRED # XXXX XX/XX/XXXX -- {$1800.00} XXXX  AGNCY # XXXX XX/XX/XXXX -- {$310.00}

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 explanation
Consumer complaint received 2025-04-09 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a child support account with the Office of the Attorney General opened on XX/XX/XXXX, a loan account with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, and an auto loan account with XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX, opened on XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

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 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I've been using BMO for years, even as XXXX XXXX XXXX XXXX. I am in a business that I buy and sell gold. I deposited several large checks on XX/XX/2025. The bank promptly froze my account after the bank manager and teller asked me if I was dealing drugs! I was horrified and humiliated. I am an artist and a minister and at XXXX XXXX XXXX and I don't fit that profile and it would make no sense to deposit checks with a name and phone number on it. My case was turned over to an XXXX in XXXX who wanted to know if I was defrauding people or if I was scammed. I was promised a resolution in XXXX weeks and now it is XXXX weeks and my account is still frozen. I was promised a resolution today, XX/XX/XXXX but I have had my ( XXXX ) calls go to voicemail with the XXXX. I have many thousands of dollars frozen that I do not have access to pay my bills, let alone buy food and gas. The bank fronted me {$1000.00} on XX/XX/XXXX so I could survive. And {$1000.00} on XX/XX/XXXX so I could eat and keep my utilities on. The bank and the investigator have found no fraud or illegal activity and yet they keep my funds XXXX. 
Can you help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-09 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: HI

Complaint narrative:
My credit is very important to me, and the mistakes on my credit report are getting on my nerves and it's causing me significant stress. There are mixed and fraudulent information on my report that I never authorized or benefited from, and its affecting my ability to secure new credit. I want my credit report to only reflect accurate information, which is why its important that you verify the accuracy of this data rather than relying solely on what the data furnisher has provided. This inaccuracy violates federal law and is unjustly affecting my credit standing. If you can not certify that all data belongs to me, these accounts and its respective charges must be removed entirely. Ive worked hard to build my credit, and its frustrating to see it impacted by errors that aren't my fault. Please resolve this issue immediately to prevent further damage. PleaseXXXX 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