vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: OHara Holdings, LLP
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern: Subject: Identity Theft Dispute  Fraudulent Accounts Opened Without My Consent My name is XXXX XXXX and I am writing to formally dispute multiple accounts and inquiries that were fraudulently opened using my personal information without my knowledge or authorization. I am the victim of identity theft, and after careful review of my credit reports, I have identified several accounts that I did not authorize or open. These actions were committed by my ex-spouse, who had unauthorized access to my sensitive personal information, including my Social Security number. The following institutions have fraudulent accounts or inquiries reported under my name: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (fraudulent phone account) XXXX XXXX XXXX (unauthorized loan) XXXX XXXX I did not apply for, open, or authorize any of these accounts. These were fraudulently created without my permission. I have filed an identity theft report with the Federal Trade Commission (FTC), and I am actively working to clear my name and restore my credit. My FTC Identity Theft Report and a police report are available upon request. Despite my repeated attempts to contact these companies and the credit bureaus to resolve this matter, these fraudulent accounts continue to appear on my credit reports and negatively impact my credit score. I am respectfully requesting the immediate removal of all fraudulent accounts and associated inquiries from my credit profile. According to the Fair Credit Reporting Act (FCRA), I am entitled to dispute information on my credit report that I believe is inaccurate or incomplete. I am invoking my rights under this act to demand the immediate removal and blocking of the fraudulent accounts listed above. Please confirm in writing that these accounts have been removed and that no further collections or reporting will be associated with them. I appreciate your urgent attention to this matter. Sincerely, 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 2025-06-19 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern: Subject: Identity Theft Dispute  Fraudulent Accounts Opened Without My Consent My name is XXXX XXXX, and I am writing to formally dispute multiple accounts and inquiries that were fraudulently opened using my personal information without my knowledge or authorization. I am the victim of identity theft, and after careful review of my credit reports, I have identified several accounts that I did not authorize or open. These actions were committed by my ex-spouse, who had unauthorized access to my sensitive personal information, including my Social Security number. The following institutions have fraudulent accounts or inquiries reported under my name:  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (fraudulent phone account) XXXX XXXX XXXX (unauthorized loan) XXXX XXXX I did not apply for, open, or authorize any of these accounts. These were fraudulently created without my permission. I have filed an identity theft report with the Federal Trade Commission (FTC), and I am actively working to clear my name and restore my credit. My FTC Identity Theft Report and a police report are available upon request. Despite my repeated attempts to contact these companies and the credit bureaus to resolve this matter, these fraudulent accounts continue to appear on my credit reports and negatively impact my credit score. I am respectfully requesting the immediate removal of all fraudulent accounts and associated inquiries from my credit profile. According to the Fair Credit Reporting Act (FCRA), I am entitled to dispute information on my credit report that I believe is inaccurate or incomplete. I am invoking my rights under this act to demand the immediate removal and blocking of the fraudulent accounts listed above. Please confirm in writing that these accounts have been removed and that no further collections or reporting will be associated with them. I appreciate your urgent attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: Possible Financial Inc
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern: Subject: Identity Theft Dispute  Fraudulent Accounts Opened Without My Consent My name is XXXX XXXX and I am writing to formally dispute multiple accounts and inquiries that were fraudulently opened using my personal information without my knowledge or authorization. I am the victim of identity theft, and after careful review of my credit reports, I have identified several accounts that I did not authorize or open. These actions were committed by my ex-spouse, who had unauthorized access to my sensitive personal information, including my Social Security number. The following institutions have fraudulent accounts or inquiries reported under my name: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (fraudulent phone account) XXXX XXXX XXXX (unauthorized loan) XXXX XXXX  I did not apply for, open, or authorize any of these accounts. These were fraudulently created without my permission. I have filed an identity theft report with the Federal Trade Commission (FTC), and I am actively working to clear my name and restore my credit. My FTC Identity Theft Report and a police report are available upon request. Despite my repeated attempts to contact these companies and the credit bureaus to resolve this matter, these fraudulent accounts continue to appear on my credit reports and negatively impact my credit score. I am respectfully requesting the immediate removal of all fraudulent accounts and associated inquiries from my credit profile. According to the Fair Credit Reporting Act (FCRA), I am entitled to dispute information on my credit report that I believe is inaccurate or incomplete. I am invoking my rights under this act to demand the immediate removal and blocking of the fraudulent accounts listed above. Please confirm in writing that these accounts have been removed and that no further collections or reporting will be associated with them. I appreciate your urgent attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: NJ

Complaint narrative:
I am writing to formally dispute the recent reinsertion of a previously deleted account from my credit report. The account in question is related to XXXXXXXX XXXX XXXX, which was removed after a successful dispute. It has now reappeared on my credit report without proper notice or justification.

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 2025-06-19 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: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding the practices and customer service I experienced with Equifax, one of the major credit reporting agencies.

XXXX XXXX, XXXX, I contacted Equifax to address a serious issue with my credit file. Upon review, I discovered that my credit report showed no activity or reporting XXXX concerning and unexplained anomaly. The representative I initially spoke with informed me that I needed to remove all blocks from my credit report but did not clearly explain what that entailed. When I asked for further clarification, the agent was unable to provide any meaningful assistance. 

Due to the lack of support, I requested to speak with a supervisor and was connected to a person identifying herself asXXXX XXXXXXXX. I explained my concerns regarding the lack of recent credit history and my confusion about the block issue. XXXX XXXX stated that certain information needed to be verified but refused to provide any specifics. She told me that the only way to resolve the problem was tomail copies of my Social Security card and drivers licenseto an unspecified addressa method I consider highly insecure and unsafe. 

I also asked XXXX XXXX for the name of the representative I had spoken with previously. Initially, she claimed she did not know. When I asked her to look up the last person who accessed my file, she said she was unable to do so and further asserted she was not allowed to provide that information. I respectfully reiterated that I was not requesting any private or personal informationonly the name the agent gave when she answered my call. XXXX XXXX ultimately disconnected the call while I was still seeking further assistance. 

I find this experience unacceptable. Not only was I left with an unresolved and unexplained issue with my credit report, but I was also treated dismissively, denied reasonable information, and asked to compromise my information security by mailing sensitive documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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 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 2025-06-19 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 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 non-monetary relief
Consumer complaint received 2025-06-19 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: CA

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

1681c-2 ) that you, the XXXX  credit reporting agency, 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 : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$730.00} XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00}

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 2025-06-19 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: NC

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

1681c-2 ) that you, the XXXX  credit reporting agency, 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 : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXXXXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$5200.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4500.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-19 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: MN

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 2025-06-19 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: MN

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 non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

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 reporting agency, 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 : XXXX XXXX Address : XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$7800.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
URGENT Dispute Regarding Social Security Data Breach Dear CFPB / Credit Bureau, I am writing to formally dispute the unauthorized exposure of my personal data due to the XX/XX/year> Social Security breach, which has compromised sensitive information, including Social Security numbers, financial records, and personal identifiers. This breach represents an egregious violation of multiple consumer protection laws, including : Fair Credit Reporting Act ( FCRA ) Failure to safeguard consumer data from unauthorized access and identity theft. 

Gramm-Leach-Bliley Act ( GLBA ) Negligence in securing financial and personal information. 

Federal Trade Commission Act ( FTC Act ) Unfair and deceptive practices leading to consumer harm.

Identity Theft and Assumption Deterrence Act Exposure of personal identifiers increasing fraud risk. 

Given the severity of this breach and its direct impact on my financial security, I demand the following IMMEDIATE actions : Written confirmation of whether my personal data was compromised and where it has been exposed. 

Detailed explanation of security failures, including preventive measures taken post-breach. 

Immediate removal of my personal data from any unauthorized databases, preventing further exploitation.

Provision of identity theft protection services at no cost to me.

Monetary compensation for damages and security failures impacting my personal information. 

Failure to respond and take corrective action within 30 days will result in legal action, including formal complaints filed with the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), state attorney general offices, and relevant financial regulatory agencies. 

I expect a prompt and detailed response addressing these concerns. Please confirm receipt of this letter and provide an immediate resolution timeline. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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