vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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:
My name is XXXX XXXX and I am submitting a complaint that the credit bureau allowed a proven fraudulent account that was previously removed be allowed to report again on my credit report. On XX/XX/XXXX I submitted all the necessary documents to validate my fraud claim and it was accepted by all the major credit bureaus but just recently one of the accounts reappeared on my credit report. According to the FCRA that account is supposed to be blocked from my profile indefinitely. The account that reappeared is XXXX XXXX XXXX XXXX XXXX XXXXXXXX with a balance of {$5000.00} and XXXX XXXX XXXX XXXX with a balance of {$3800.00} opened XX/XX/XXXX. This is a Copy of the original dispute : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXXXXXX XXXX XXXX Subject : Request for Permanent Removal of Fraudulent Account Due to Identity Theft To Whom It May Concern, I am writing to formally dispute a fraudulent account that has appeared on my credit report. I have been a victim of identity theft, and this account was opened without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I am requesting the permanent removal of the fraudulent accounts from my credit file. Fraudulent Account Details : Creditor Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$3800.00} Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$5000.00} Creditor Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$590.00} Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX, XXXX XXXX Amount : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$1100.00} OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$69.00} I have attached a copy of my FTC Identity Theft Report with listed accounts and a copy of my government-issued ID for verification. Please conduct an immediate investigation and remove this fraudulent accounts permanently from my credit report. I request written confirmation once the account has been removed. Thank you for your prompt attention to this matter. If you need any further information, please contact me at XXXX or XXXX. Sincerely, XXXX XXXX LAST FOUR : 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 2025-06-04 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:
In XXXX 2025, I discovered that fraudulent accounts and inquiries had been added to my credit report without my knowledge or authorization. These included utility and financing accounts as well as several hard credit inquiries from auto finance companies and lenders. I did not open or apply for any of these accounts. 

Upon discovering the activity, I immediately filed an Identity Theft Report with the Federal Trade Commission ( FTC ). I also notified the credit bureaus and submitted formal disputes, including a copy of the FTC report, to request the removal and blocking of the fraudulent items, as allowed under the Fair Credit Reporting Act ( FCRA ). 

Despite these actions, the accounts remain on my credit report, and the bureaus have not provided sufficient documentation validating the information or confirming proper verification procedures. This has caused damage to my credit and impacted my ability to access fair financial services. 

I am seeking assistance in ensuring the credit bureaus comply with the FCRA and remove the fraudulent data from my credit file.

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 2025-06-04 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-04 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: IL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-06-04 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: CT

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-06-04 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: LOBEL FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is a follow-up complaint regarding a previously disputed Lobel Financial account. I was notified that they found no inaccuracies, but they provided no documentation proving the accuracy of the charge-off or delinquency reporting. 

I am requesting immediate full deletion of this tradeline for the following reasons : Lobel failed to verify the account under FCRA 611 ( a ) ; no documents or validation were supplied.

The account is being re-aged monthly, damaging my credit in the middle of a mortgage closing.

If Lobel is not actively collecting or servicing this account, continued derogatory reporting is unlawful and must stop. 
Under FCRA 607 ( b ) and XXXX XXXX standards, furnishers must ensure accurate and up-to-date reporting. This has not been demonstrated. 

I respectfully request this account be fully deleted from all consumer reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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 have always prioritized meeting payment deadlines, so it's concerning to find an error indicating a late payment on my account. This mistake is causing unnecessary stress, and I kindly request that you correct it promptly by updating my records 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 explanation
Consumer complaint received 2025-06-04 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: NY

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Online Complaint Submission Regarding Fraudulent Inquiry on Credit Report Submitted by : XXXX XXXX XXXX XXXX Authorized Representative of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX Phone : XXXX | Toll-Free : XXXX Email : XXXX Subject : Unauthorized Credit Inquiry Demand for Removal and Compensation To Whom It May Concern : I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) on behalf of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX ending in XXXX ), a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX 

Upon reviewing her XX/XX/XXXX XXXX XXXX Credit Report, we identified an unauthorized inquiry reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to TransUnion. XXXX XXXX never applied for credit with this institution nor authorized such a pull. This inquiry lacks a permissible purpose under the Fair Credit Reporting Act ( FCRA ). 

As you are aware, under 15 U.S.C. 1681b ( f ), it is unlawful for any person to obtain a consumer report unless it is for a purpose authorized by the FCRA. Violations of this section trigger liability under 15 U.S.C. 1681n, which provides for statutory damages of up to {$1000.00} per violation, plus potential punitive damages and attorney fees for willful noncompliance.

Additionally, the inclusion of this fraudulent inquiry contributes to ongoing damages by lowering the consumers creditworthiness, thereby affecting her ability to obtain credit under favorable terms. This is both unjust and unlawful. 

We are formally requesting the immediate removal of this unauthorized inquiry from XXXX XXXX TransUnion credit report and full disclosure from XXXX XXXX as to the basis of this inquiry, including a copy of the original authorization ( if any ). 

Supporting Documentation Provided : XXXX Credit Report ( XX/XX/XXXX ) Affidavit of Truth & CFPB Complaint ( notarized ) Credit Report Violation Summary ( detailing 61 total violations, including this inquiry ) Notice of Settlement Offer - Transunion In accordance with 15 U.S.C. 1681n, we are seeking statutory damages of {$1000.00} for all the violations listed in addition to the inquiry violation. If this issue is not resolved promptly and the inquiry is not deleted, we reserve the right to pursue further legal remedies, including arbitration and civil litigation.

Please confirm receipt of this complaint and the immediate actions being taken to resolve this matter. 

Respectfully, XXXX XXXX XXXX XXXX Authorized Agent for 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 2025-06-04 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: CT

Complaint narrative:
I am writing to let you know that Ive been a victim of a data breach or fraud, as outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). Im formally requesting the permanent removal of any fraudulent accounts and incorrect addresses from my credit report. 

XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft, and I am writing to formally raise my concerns regarding the lack of action taken by the credit bureaus in response to my disputes. This is now the third time I have submitted disputes concerning fraudulent and inaccurate information on my credit report. 

Despite waiting more than 30 days, the credit bureaus have failed to properly investigate or remove the disputed items. I have followed the correct procedures each time and submitted supporting documentation, yet there has been no meaningful response or resolution. 

This ongoing issue has caused me significant stress, anxiety, and a sense of hopelessness. It is deeply frustrating and emotionally draining to continuously fight for the correction of information that I did not authorize or create. 

I am requesting immediate intervention from the CFPB to ensure that the credit bureaus take my case seriously and fulfill their legal responsibilities under the Fair Credit Reporting Act.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft, and I am writing to formally raise my concerns regarding the lack of action taken by the credit bureaus in response to my disputes. This is now the third time I have submitted disputes concerning fraudulent and inaccurate information on my credit report. 

Despite waiting more than 30 days, the credit bureaus have failed to properly investigate or remove the disputed items. I have followed the correct procedures each time and submitted supporting documentation, yet there has been no meaningful response or resolution. 

This ongoing issue has caused me significant stress, anxiety, and a sense of hopelessness. It is deeply frustrating and emotionally draining to continuously fight for the correction of information that I did not authorize or create. 

I am requesting immediate intervention from the CFPB to ensure that the credit bureaus take my case seriously and fulfill their legal responsibilities under the Fair Credit Reporting Act.

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 2025-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), I am submitting this formal complaint against all three nationwide credit reporting agencies TransUnion, XXXX XXXX XXXX for failing to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ) regarding identity theft. 

I am the victim of identity theft. I have completed and submitted : A full Identity Theft Report through the FTC A Police Report filed with my local law enforcement agency Screenshots of both reports for documentation Under FCRA 605B, once I provide a valid identity theft report, the credit bureaus are legally required to : 1. Block the fraudulent information within XXXX business days ; XXXX. Notify the furnishers of the blocked data ; XXXX. Refrain from re-reporting the disputed accounts

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX 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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-04 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: ID Analytics, Inc.
State: MD

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I claim the fraud for two transactions of my XXXX XXXX on XXXX/2025. The company denied my claims twice by stating the ip address XXXX for those two transactions is the same ip address in my record which I believe it is wrong. I also need more information for those two transactions so that I can follow up with XXXX since the transactions is not showing up on my XXXX account.

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