vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: NJ

Complaint narrative:
I am submitting this complaint to report Equifax non compliance with multiple provisions of the Fair Credit Reporting Act ( FCRA ) regarding its failure to remove fraudulent accounts from my credit report after receiving valid identity theft documentation. 

On XX/XX/year>, I filed an Identity Theft Report through XXXX ( FTC Report # XXXX ), pursuant to 15 U.S.C. 1681c-2 ( Section 605B of the FCRA ). This report identified several fraudulent accounts that I did not open, authorize. I submitted this report to Equifax as part of a formal dispute on XX/XX/year>, through the Consumer Financial Protection Bureau ( CFPB ) portal.

Experian acknowledged my dispute and removed one fraudulent account : XXXXXXXX XXXX XXXX, account ending in XXXX. However, two additional accounts remain on my Equifax credit file despite being clearly identified as fraudulent.

Under FCRA 605B, credit reporting agencies are required to block fraudulent information within XXXX business days of receiving a valid Identity Theft Report unless they have substantial proof that the account is not fraudulent. Equifax has not provided me with such evidence. Furthermore, I have formally requested the " method of verification '' under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), yet I have received no documentation, such as signed applications, IP addresses, linking me to these disputed accounts.

The ongoing reporting of these fraudulent items is materially harming my credit and affecting my ability to obtain necessary financing during my recovery of year long health battle. If Equifax continues to report these accounts and fails to fully comply with the FCRA, I will be forced to seek legal recourse under 15 U.S.C. 1681n and 1681o, including damages, attorney fees, and injunctive relief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: NY

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 Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Incorrect Address - 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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2025-06-17 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, XXXX XXXX XXXX XXXX, am submitting this FTC Identity Theft Affidavit regarding a fraudulent collection account on my credit report. I did not open or authorize the account listed below, and I affirm it is the result of identity theft : Collection Agency : PCS Original Creditor : Nations Insurance Company Account Number : XXXX Date Assigned : XX/XX/XXXX Amount : {$65.00} Date of First Delinquency : XX/XX/XXXX This account is false and has negatively impacted my credit. Under 15 U.S.C. 1681c-2 ( a ), I request Equifax to block and delete this account and stop all related collection activity. I also request written confirmation of removal. 
Executed on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am submitting this complaint because of inaccurate and misleading information being reported on my Equifax credit report. 

The account in question is listed as a collection from " XXXX XXXX XXXX '' and is classified as a utility debt for the amount of {$180.00}, with the collection agency listed as XXXX XXXX XXXX. 

However, I contacted XXXX directly, and they confirmed the following : This is not a utility bill but a medical debt originally from XXXX XXXX XXXX. 

The account has been pulled from collections and returned to XXXX XXXX XXXX. 

XXXX no longer owns or services the account. 

There are several serious issues : The creditor name listed ( XXXX XXXX XXXX ) is completely inaccurate. 

The type of debt is misclassified as utility instead of medical. 

The reporting is outdated, as the collection agency no longer owns the account. 

Most importantly, the balance is only {$180.00}, and per the updated credit reporting rules, medical debts under {$500.00} should no longer be reported by any of the XXXX major credit bureaus including Equifax. 

Despite submitting a formal dispute with Equifax and sharing the information above, my dispute was closed without correction or removal of the account. This inaccurate reporting is hurting my credit and is likely a violation of the Fair Credit Reporting Act ( FCRA ) and recent credit industry policy changes related to medical debt. 

I respectfully request that this account be either : Corrected with accurate creditor information, classification, and ownership status, or Removed entirely, as it is a small-balance medical debt no longer eligible for reporting under current credit bureau guidelines . 

I have written documentation from XXXX confirming these details and can provide it upon request. 

Thank you for your assistance in resolving this issue fairly and accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
I am filing this complaint due to a serious and harmful instance of duplicate debt reporting on my credit report. XXXX separate collection agencies XXXX XXXX XXXX ( Account XXXX XXXXXXXX for {$5600.00} ) and XXXX XXXX XXXX XXXX ( Account XXXX XXXXXXXX for {$5600.00} ) are both reporting what is clearly the same debt to Experian, with only a {$0.00} difference in balance. 

This is a blatant violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting be accurate, not misleading, and not duplicative. The simultaneous reporting of this debt by XXXX different collection agencies creates the false impression that I owe twice the amount, which is both inaccurate and unfairly XXXX  to my credit. 

I have already submitted a formal written dispute to Experian, demanding that at least XXXX of these duplicate accounts be immediately removed. I have also requested documentation to validate each agencys legal right to collect on the debt. 

As of now, no resolution has been provided, and the false information remains on my credit report.

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 2025-06-17 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: FL

Complaint narrative:
I submitted formal dispute letters to all three credit bureaus, including evidence such as screenshots and documents clearly showing inconsistencies and inaccuracies in the account information. Despite submitting these materials, I have not received a proper or meaningful response. The account remains unchanged on my credit reports, and I believe the bureaus have failed to conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ). 

The accounts I disputed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : XXXX XXXX XXXX XXXX These inaccuracies have not been corrected or removed, and no sufficient explanation has been provided. I respectfully request the CFPB to assist in enforcing a full and fair investigation by the credit bureaus and ensure that unverified or inaccurate information is removed from my credit reports. 

Attached to this complaint are copies of the original dispute letters and the evidence I previously submitted to the credit bureaus. 

Requested Resolution : Immediate removal of the inaccurate charge-off entries.

Written confirmation from each credit bureau of the results of a full reinvestigation.

Compliance with FCRA guidelines and protection of my credit rights USPS : XXXX delivery date : XX/XX/XXXX Shipped To : TransUnion Consumer Solutions 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 2025-06-17 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a formal complaint with the Federal Trade Commission ( FTC ) on the basis that your agency accessed and reported information from my consumer file without my explicit written consent. This conduct constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically the permissible purposes defined under 15 U.S. Code 1681b. As the FTC is charged with enforcing federal consumer protection laws, I am requesting immediate action to investigate and remedy this unauthorized activity.

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 2025-06-17 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: TN

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-17 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: TN

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-17 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX  : XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/year>, I used the Navy Federal ATM located at your XXXX XXXX branch to deposit a {$500.00} check. During this transaction, my card was stolen. From that point forward, I no longer had the card in my possession, and I did not authorize any transactions made after that date. 

I immediately filed a police report with the XXXX XXXX Police Department and provided Navy Federal with all relevant information, including the police report number. The investigating detective has confirmed that someone other than me used the card fraudulently and that a warrant has been issued for the suspect. I am actively pressing charges in this case. 

Despite providing Navy Federal with : A formal police report, The detective 's contact information, Clear evidence that I did not authorize these charges, I have received no assistance or proper investigation from Navy Federal. Ive been told that the charges were made by me an accusation that completely ignores the facts of the case. Navy Federal refuses to reimburse the stolen funds and continues to insist that I am responsible, even though the law enforcement agency handling the case has verified otherwise. 

This situation is unacceptable. I request that Navy Federal : Reopen and properly investigate this claim, Review ATM security footage from the XXXX XXXX location, Contact the XXXX XXXX Police Department and the assigned detective for verification, and Reimburse the funds that were clearly stolen through no fault of my own. 
If Navy Federal takes account security seriously, I urge you to follow up immediately with the authorities and correct this error. I have done everything within my power to report and support this investigation now it's time for Navy federal to do their job and look into this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
I submitted formal dispute letters to all three credit bureaus, including evidence such as screenshots and documents clearly showing inconsistencies and inaccuracies in the account information. Despite submitting these materials, I have not received a proper or meaningful response. The account remains unchanged on my credit reports, and I believe the bureaus have failed to conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ). 

The accounts I disputed are as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These inaccuracies have not been corrected or removed, and no sufficient explanation has been provided. I respectfully request the CFPB to assist in enforcing a full and fair investigation by the credit bureaus and ensure that unverified or inaccurate information is removed from my credit reports. 

Attached to this complaint are copies of the original dispute letters and the evidence I previously submitted to the credit bureaus.

Requested Resolution : Immediate removal of the inaccurate charge-off entries.

Written confirmation from each credit bureau of the results of a full reinvestigation.

Compliance with FCRA guidelines and protection of my credit rights XXXX : XXXX delivery date : XX/XX/year> Shipped To : Equifax Information Services LLC XXXX XXXX XXXX XXXX GA XXXX XXXX

Company response to consumer: Closed with explanation