vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$240.00}

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 non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-06-10 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: PA

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-06-10 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 Name ] [ Your Address ] [ City, State, Zip Code ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, Zip Code ] Subject : Dispute of Inaccurate Information on Credit Report - Formal Request Under FCRA Section 605B Dear Sir/Madam, I am writing to formally dispute inaccurate information on my credit report as provided by your agency. This dispute is being made in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605b. 

The item in question is : Creditor Name : Ideal Auto Sales Type of Account : Loan Nature of Dispute : not my account Creditor Name : XXXX XXXX XXXX Type of Account : Loan Nature of Dispute : Not my account Creditor Name : XXXX XXXX XXXX Type of Account : Loan Nature of Dispute : Not my Account Hard Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request a prompt investigation into the disputed information and the necessary corrections to reflect accurate and updated information on my credit report. Please provide a written explanation of the results of the investigation and any changes made to my credit report within the 30-day period mandated by the FCRA. I would appreciate your timely response and assista
nce in resolving this matter. Please acknowledge receipt of this dispute letter and provide a confirmation of the investigation process initiated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: IL

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, Zip Code ] Subject : Dispute of Inaccurate Information on Credit Report - Formal Request Under FCRA Section 605B Dear Sir/Madam, I am writing to formally dispute inaccurate information on my credit report as provided by your agency. This dispute is being made in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605b. 

The item in question is : Creditor Name : Ideal Auto Sales Type of Account : Loan Nature of Dispute : not my account Creditor Name : XXXX XXXX XXXX Type of Account : Loan Nature of Dispute : Not my account Creditor Name : XXXX XXXX XXXX Type of Account : Loan Nature of Dispute : Not my Account Hard Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request a prompt investigation into the disputed information and the necessary corrections to reflect accurate and updated information on my credit report. Please provide a written explanation of the results of the investigation and any changes made to my credit report within the 30-day period mandated by the FCRA. I would appreciate your timely response and assista
nce in resolving this matter. Please acknowledge receipt of this dispute letter and provide a confirmation of the investigation process initiated.

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 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: AL

Complaint narrative:
I Contacted cash app about unauthorized charges on my account and when they just keep asking the same thing over and over and refuse to refund my money. They continue to let businesses that I have blocked take money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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:
Immediately block and remove any account or tradeline associated with identity theft or unauthorized access, under FCRA 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 2025-06-10 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: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX * * * * * * Balance Owed : {$0.00} XXXXXXXX XXXX  XXXX * * * * * * * * * * * {$6700.00} XXXX  XXXX * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX * * * * * * * * * Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-06-10 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:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. This conduct is in direct violation of federal law and my consumer rights. 
The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations.

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs. 
The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : XXXX XXXX XXXX, XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX Formal Dispute of Unauthorized Credit Inquiries\n\nTo Whom It May Concern,\n\nI am writing to formally dispute several unauthorized inquiries that appear on my credit reports from Experian, Equifax, and TransUnion. Under the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C.  1681b, a consumer reporting agency may only furnish a consumer report under certain permissible purposes. I have not granted authorizationwritten, verbal, or otherwisefor any company to access my credit information.\n\nIf you claim that such permission was given, I respectfully request that you provide documented evidence showing that I authorized these credit inquiries. Without such documentation, these inquiries must be considered unauthorized.\n\nFailure to provide this evidence may leave me no choice but to consider this a case of aggravated identity theft, as defined under 18 U.S.C.  1028A.\n\nPlease treat this matter with urgency. I request that these unauthorized inquiries be investigated and removed from my credit reports immediately. In addition, I ask that you provide a written confirmation of your findings and any actions taken.\n\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: LA

Complaint narrative:
XXXX Formal Dispute of Unauthorized Credit Inquiries\n\nTo Whom It May Concern,\n\nI am writing to formally dispute several unauthorized inquiries that appear on my credit reports from Experian, Equifax, and TransUnion. Under the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C.  1681b, a consumer reporting agency may only furnish a consumer report under certain permissible purposes. I have not granted authorizationwritten, verbal, or otherwisefor any company to access my credit information.\n\nIf you claim that such permission was given, I respectfully request that you provide documented evidence showing that I authorized these credit inquiries. Without such documentation, these inquiries must be considered unauthorized.\n\nFailure to provide this evidence may leave me no choice but to consider this a case of aggravated identity theft, as defined under 18 U.S.C.  1028A.\n\nPlease treat this matter with urgency. I request that these unauthorized inquiries be investigated and removed from my credit reports immediately. In addition, I ask that you provide a written confirmation of your findings and any actions taken.\n\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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Complaint Summary XXXX XXXX XXXX XXXX  with Equifax Despite Repeated Attempts to Resolve I am submitting this complaint to report an unresolved issue with Equifax that has persisted for over a year. I have confirmed that I have a split credit file with Equifax, and despite numerous attempts to resolve it, the company has taken no action. 

I obtained XXXX different versions of my Equifax credit reportone through XXXX and another by mail. The report from XXXX includes my Social Security Number and reflects a mostly accurate credit history, but it omits my middle name and several paid-off student loans. In contrast, the report Equifax mailed to me includes my full name, including middle name, and shows the missing student loans, but it states " None '' in place of my Social Security Number. 

These discrepancies clearly indicate that Equifax has created XXXX separate files under my identity. Over the past year, I have called Equifax many times. Each time I am told there is no file associated with my Social Security Number, and I am instructed to submit identity verification documents. I have done this multiple times, most recently mailing a copy of my drivers license, Social Security card, and a utility bill. I sent these documents via XXXX with XXXX, and I have confirmation that the documents were successfully delivered to Equifax. Still, Equifax has not acknowledged receipt or taken any action to resolve the issue. 

Until now, I was unable to access both versions of my Equifax report at the same time, but I am now able to demonstrate conclusively that my file is split. Equifax continues to deny the existence of a file tied to my Social Security Number, even though the XXXX version clearly includes it. 

This situation has affected my ability to monitor and manage my credit profile. I am requesting that the CFPB assist in compelling Equifax to merge the split files into a single, accurate report that reflects my full identity, including my name, Social Security Number, and complete credit history. I am also asking that Equifax be required to acknowledge and respond to the identity documents I have submitted and ensure I can access my unified Equifax credit report going forward. 

To support this complaint, I have attached the XXXX different Equifax reports, my most recent identity verification documents, XXXX XXXX and delivery confirmation, my credit reports from XXXX  and XXXX  for comparison, and a PDF with screenshots showing the error messages I have consistently received when attempting to access my credit report through Equifaxs website.

Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX * * * * * * Balance Owed : {$0.00} XXXXXXXX XXXX  XXXX * * * * * * * * * * * {$6700.00} XXXX  XXXX * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX * * * * * * * * * Balance Owed : {$0.00}

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 2025-06-10 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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX * * * * * * Balance Owed : {$0.00} XXXXXXXX XXXX  XXXX * * * * * * * * * * * {$6700.00} XXXX  XXXX * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX * * * * * * * * * Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: AZ

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( 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 2025-06-10 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXXXX/XX/year> ; XXXX XXXX XXXX XX/XX/year>. 

Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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 2025-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I've left voice mail with Portfolio Recovery 7 years ago stating account has been paid. However they constantly keep sending letters for payments.

Company response to consumer: Closed with explanation