vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: PA

Complaint narrative:
To Whom It May Concern, This is a second and final notice. I'm reaching out again regarding fraudulent accounts and unauthorized inquiries being reported under my name. Let me be clear : I am the consumer, and I am writing this letter personally. There is no third party involved. So please do not send me another stall letter or generic response that approach is unacceptable and shows disregard for both federal law and consumer rights.

This matter has already been raised and documented, yet these inaccurate and fraudulent entries remain on my credit file. This is not just a reporting error it's a serious identity theft issue, and your inaction is now bordering on willful non-compliance.

Violations of Federal Law and Consumer Rights : 15 U.S.C. 1681b ( c ) Unauthorized Inquiries You are not allowed to furnish credit reports for transactions I didnt authorize. The inquiries listed below were not initiated by me and must be deleted.

15 U.S.C. 1681c2 Block of Information Resulting from Identity Theft You are required to block fraudulent information within 4 business days of receiving proper documentation. Ive already provided you with everything necessary including my FTC Identity Theft Report, government-issued ID, Social Security card , and proof of address.

18 U.S.C. 1028A Aggravated Identity Theft Continued reporting of identity theft-related entries makes you complicit in the damage being done. If you fail to block this information, you allow criminal activity to persist and knowingly hurt my financial reputation. 
15 U.S.C. 1681i ( a ) Failure to Reinvestigate If you do not reinvestigate or verify the entries within the time permitted by law, and can not produce legitimate records showing my authorization, you are obligated to permanently remove them. 
Fraudulent Accounts and Inquiries ( Previously Disputed ) : XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX These were not opened or approved by me. They were the result of identity theft, and any delay in removing them further harms me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: DE

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 non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have requested a validation letter from this company since XXXX and they keep and still sending and call me. I re-requested again in XXXX and XXXX and they have answered my request on XXXX status that I need to contact the original creditor to request the information I need and they assume the information they have sent me is accurate and current. I explain in my last XXXX letters that I do need to see all the transactions for that account and they failed to provide me that information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$770.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries 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 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Dear Navy Federal, My name is XXXX XXXX and I am writing to express my extreme disappointment and frustration regarding the recent closure of my account, which you claim was due to fraudulent activityfraud that I neither initiated nor was involved in. I am the victim, not the perpetrator, yet I have been treated unfairly and denied due process throughout this matter. 

XXXX XXXX : XXXX The decision to close my account without allowing me to dispute the alleged fraud contradicts the rights afforded to consumers under federal law. Specifically : Under 15 U.S. Code 1681s2 ( Fair Credit Reporting Act ), banks are obligated to investigate disputes of inaccurate or fraudulent information before taking adverse action. 
Additionally, under the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ), financial institutions are prohibited from making unfair or discriminatory decisions regarding account access or closures. 

Your actions show a blatant disregard for these protections. I was not notified with sufficient detail about the alleged fraud, was given no opportunity to dispute or resolve the issue, and was treated as guilty without proof. This is not only unethicalit may be unlawful.

Navy Federal 's handling of this matter reflects a concerning lack of integrity and transparency. I expected to be treated with fairness and dignity, not punished for being the victim of a fraudulent act outside of my control. I now question the values and accountability of your institution. 

I demand : A full investigation into the decision to close my account for something I had no knowledge about.

A written explanation, including all findings and evidence.

An immediate reopening of all my Navy Federal accounts.

If this issue is not resolved appropriately and expeditiously, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Office of the Comptroller of the Currency ( OCC ), and the XXXX XXXX XXXX XXXX XXXX  ). I am also prepared to explore legal remedies if necessary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I am filing this complaint to formally report that false and inaccurate information is being reported about me by one or more data furnishers and/or consumer reporting agencies. Despite multiple attempts to dispute and correct this information, it remains on my credit report, which is a clear violation of federal law.

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), consumer reporting agencies are legally required to conduct a reasonable reinvestigation of any disputed information within 30 days. Additionally, under 15 U.S. Code 1681s-2 ( a ), furnishers of information have a duty to provide accurate data and are prohibited from reporting information they knowor should knowis incorrect. 

By continuing to report or fail to correct this false information, the responsible parties are acting in willful and negligent violation of the FCRA. This has caused me financial and emotional distress, including damage to my credit standing and obstacles in obtaining employment and housing. 

I am demanding a full investigation by the CFPB into this matter and expect appropriate enforcement action to be taken against the responsible parties. If this issue is not promptly resolved, I am fully prepared to escalate this through legal channels, including the possibility of a civil suit for statutory and actual damages under 15 U.S.C. 1681n and 1681o. 

I respectfully request that this matter be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
List of accounts violating my rights : 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  Under 15 USC 1681i , I am requesting a full reinvestigation of the accounts listed above. If they can not be 100 % verified with accurate documentation, they must be deleted from my credit report. Please respond within the required 30-day period as required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, the bbb insisted me to contact the government agency about my savings and checking accounts was closed according to business decision to end banking relationship that had to do with client 's mortgage/loan which I don't have or I didn't own a home. The bank clearly said this, " bank of America is addressing these concerns with government agency '' after bbb 's client has submitted a authorization of mortgage/loan release. So if there is not a single mortgage/loan account is found with bank of america mortgage is possibly the business 's decision got a wrong accounts/cusromer to close..

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 2025-07-09 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: LA

Complaint narrative:
Complainant : XXXX XXXX Subject : Failure to Reinvestigate and Correct Inaccurate Credit Reporting in Violation of the Fair Credit Reporting Act ( FCRA ) Filed Under : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA 1681i, 1681e ( b ), 1681g I, XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) to report multiple violations of the Fair Credit Reporting Act ( FCRA ) by the credit reporting agency that continues to report inaccurate and unverifiable information on my credit file. 

After accessing my credit report through XXXX, I identified multiple tradelines, inquiries, and personal identifiers that are either factually incorrect or can not be verified as required by law. I authorized a legally compliant third-party service to submit this dispute on my behalf, along with all necessary personal identification and supporting documentation. 

Despite this, the credit reporting agency has failed to comply with its legal obligations under the FCRA. 

Disputed 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  Unauthorized or Inaccurate Inquiry : XXXX Date of Inquiry : XX/XX/XXXX These tradelines and inquiries are reporting inaccurately and/or can not be verified with legally acceptable documentation. Under 15 U.S.C. 1681i ( a ) ( 5 ), any item that can not be verified must be deleted in its entirety.

Violations of the Fair Credit Reporting Act : The credit reporting agency has failed to comply with the following statutory obligations : 15 U.S.C. 1681e ( b ) : Did not follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) : Failed to conduct a reasonable, good-faith reinvestigation.

15 U.S.C. 1681i ( a ) ( 7 ) : Did not provide a valid method of verification when requested.

15 U.S.C. 1681g : Did not disclose the full consumer file upon request.

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 2025-07-09 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: LA

Complaint narrative:
Complainant : XXXX XXXX Subject : Failure to Reinvestigate and Correct Inaccurate Credit Reporting in Violation of the Fair Credit Reporting Act ( FCRA ) Filed Under : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA 1681i, 1681e ( b ), 1681g I, XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) to report multiple violations of the Fair Credit Reporting Act ( FCRA ) by the credit reporting agency that continues to report inaccurate and unverifiable information on my credit file. 

After accessing my credit report through XXXX, I identified multiple tradelines, inquiries, and personal identifiers that are either factually incorrect or can not be verified as required by law. I authorized a legally compliant third-party service to submit this dispute on my behalf, along with all necessary personal identification and supporting documentation. 

Despite this, the credit reporting agency has failed to comply with its legal obligations under the FCRA. 

Disputed 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  Unauthorized or Inaccurate Inquiry : XXXX Date of Inquiry : XX/XX/XXXX These tradelines and inquiries are reporting inaccurately and/or can not be verified with legally acceptable documentation. Under 15 U.S.C. 1681i ( a ) ( 5 ), any item that can not be verified must be deleted in its entirety.

Violations of the Fair Credit Reporting Act : The credit reporting agency has failed to comply with the following statutory obligations : 15 U.S.C. 1681e ( b ) : Did not follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) : Failed to conduct a reasonable, good-faith reinvestigation.

15 U.S.C. 1681i ( a ) ( 7 ) : Did not provide a valid method of verification when requested.

15 U.S.C. 1681g : Did not disclose the full consumer file upon request.

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 2025-07-09 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XX/XX/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 2025-07-09 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 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 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 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 non-monetary relief
Consumer complaint received 2025-07-09 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:
I have reviewed my credit file and found accounts that were opened without my authorization. I did not consent to or initiate any of the activities associated with these entries, and I suspect identity misuse.

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