vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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: TX

Complaint narrative:
I am challenging the late payment entry currently reported on my credit file. This information is inaccurate and does not reflect my documented record of on-time payments. Its continued presence is harmful, unjust, and must be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: CA

Complaint narrative:
You are expected to delete these accounts in dispute within 15 days under 15 U.S. Code 1681g.

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 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: PA

Complaint narrative:
Dear XXXX XXXX XXXX  : I am writing regarding the above-referenced account. I recently received correspondence from your company about this alleged debt. I do NOT acknowledge that I owe this debt and, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that you validate and verify the debt.

Please provide the following documentation and information so I can evaluate your claim : 1. A detailed, itemized statement showing how the alleged amount was calculated, including principal, interest, fees, and dates for each charge.

2. The name and address of the original creditor and an explanation of my relationship to that creditor.

3. A copy of the original signed contract or agreement bearing my signature ( or other documentation that shows I am legally obligated to pay ).

4. Proof that you have the legal right to collect this debt ( e.g., copy of assignment, bill of sale, or contract transferring the debt to you ). 
5. Complete chain of title showing every party who has owned or controlled this debt since it was originated.

6. Copies of any judgments, if applicable.

7. A record of payments ( if any ) showing dates and amounts credited to the alleged account.

8. Proof of your license to collect debts in Pennsylvania and your registration number ( if required by state law ).

9. The name and address of the original creditor as it appears on the original account records.

10. Any documents showing that I agreed to assume this alleged debt ( if applicable ).

While you are validating this alleged debt, please cease all collection activities directed at me, including phone calls, collection letters, and reporting this account to any credit reporting agency. If you have reported this account to any credit reporting agencies, please provide the names of the bureaus and dates reported, and promptly notify them that the account is disputed and that you are investigating.

If you can not provide the documentation requested above within 30 days of your receipt of this letter, you must cease all collection efforts and must not report this alleged debt to any credit reporting agency. Failure to respond may constitute a violation of the Fair Debt Collection Practices Act. 

Please communicate with me only in writing at the address shown above. 

Sincerely, ______________________________ XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-09-22 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: IN

Complaint narrative:
In light of the widely reported data breach, which has compromised sensitive consumer information nation wide, I have even more reason to believe that unauthorized parties may have accessed and used my personal information. As such, I consider all unverified entries on y credit report o be potentially fraudulent and demand immediate corrective 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 2025-09-22 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: IN

Complaint narrative:
In light of the widely reported data breach, which has compromised sensitive consumer information nation wide, I have even more reason to believe that unauthorized parties may have accessed and used my personal information. As such, I consider all unverified entries on y credit report o be potentially fraudulent and demand immediate corrective 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 non-monetary relief
Consumer complaint received 2025-09-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-22 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-09-22 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: IL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TRANSUNION, Despite previous requests for correction, this violation continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ; XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency TRANSUNION, block the information appearing in my consumer credit report resulting from identity theft and fraud within XXXX business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I don't recognize the account mentioned as reported. The account mentioned in my consumer credit report that you maintain was not opened, created, or initiated by me. The account mentioned is the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). This account must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-09-22 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:
YOUR COMPLAINT Subject : Identity Theft Fraudulent Loan accounts Request for Removal Under FCRA 605B Complaint : I am submitting this complaint regarding a fraudulent credit card accounts and personal loan that has been reported on my credit file. This account was opened as a direct result of identity theft, and I did not authorize, open, or benefit from this account. The account XXXX XXXX is a result of identity theft. 
Under the Fair Credit Reporting Act ( FCRA ) Section 605B, I have the legal right to request that any consumer reporting agency block and remove all information relating to accounts that were the result of identity theft once I provide proper documentation. I have already submitted an identity theft report and supporting documentation to the credit bureaus and the furnisher of the fraudulent account. Despite my request, the account continues to remain on my credit file. The continued reporting of this fraudulent account is a clear violation of my rights under FCRA 605B, and it is causing me financial harm and damage to my creditworthiness. Requested Resolution : Immediate removal and permanent blocking of the fraudulent auto loan account from my credit reports across all consumer reporting agencies ( Experian, Equifax, TransUnion ). Confirmation in writing that this account will not be reinserted into my credit file. Enforcement of compliance by the furnisher and the credit reporting agencies with FCRA 605B. I am providing all supporting documents, including my identity theft affidavit, police/FTC report , and correspondence sent to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: IL

Complaint narrative:
YOUR COMPLAINT Subject : Identity Theft Fraudulent Loan accounts Request for Removal Under FCRA 605B Complaint : I am submitting this complaint regarding a fraudulent credit card accounts and personal loan that has been reported on my credit file. This account was opened as a direct result of identity theft, and I did not authorize, open, or benefit from this account. The account XXXX XXXX is a result of identity theft. 
Under the Fair Credit Reporting Act ( FCRA ) Section 605B, I have the legal right to request that any consumer reporting agency block and remove all information relating to accounts that were the result of identity theft once I provide proper documentation. I have already submitted an identity theft report and supporting documentation to the credit bureaus and the furnisher of the fraudulent account. Despite my request, the account continues to remain on my credit file. The continued reporting of this fraudulent account is a clear violation of my rights under FCRA 605B, and it is causing me financial harm and damage to my creditworthiness. Requested Resolution : Immediate removal and permanent blocking of the fraudulent auto loan account from my credit reports across all consumer reporting agencies ( Experian, Equifax, TransUnion ). Confirmation in writing that this account will not be reinserted into my credit file. Enforcement of compliance by the furnisher and the credit reporting agencies with FCRA 605B. I am providing all supporting documents, including my identity theft affidavit, police/FTC report , and correspondence sent to the credit bureaus.

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 2025-09-22 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: LA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: MD

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 non-monetary relief
Consumer complaint received 2025-09-22 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:
The reported record is at odds with my consistent payment practices and appears mistaken. I respectfully ask for its deletion after verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am writing regarding my Truist checking and savings accounts, which I opened in XXXX. 
Recently, I was informed that my accounts are blocked due to a fraud hold related to a check deposited in XXXX. 
At the time of deposit, Truist had full visibility into this transaction, and the check cleared without issue. Since then, I have regularly used my account, including automated transfers between checking and savings. The funds currently in my account are unrelated to that check, and represent my personal deposits and savings. 
On XX/XX/XXXX I visited my local Truist branch, verified my identity multiple times, and signed all required paperwork. I was allowed to withdraw funds from my savings account but was told my checking account remains blocked. I was then informed I must wait 7-10 business days for a decision. 

I respectfully request the following : 1. A written explanation of the specific reason my account is being held. 
2. A clear timeline for when I will regain access to my funds. 
3. Immediate release of my available balance of approximately {$4300.00} in checking as these funds belong to me and are necessary for my livelihood. 

Please treat this matter as urgent. Continued withholding of my funds without proper justification is causing me significant financial hardship. You may contact me at XXXX or XXXX. I request written confirmation of receipt of this letter and a resolution within 7 business days. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX Account 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 2025-09-22 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: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-22 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: GA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-09-22 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: GA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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:
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 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