vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accoun0ts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies.

I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities.

I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report.

This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit.

Thank you for your immediate action to this issue. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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 have identified fraudulent entries on my credit file that were not made by me and do not reflect any valid financial activity on my part. I dispute these entries in full and request their immediate removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have sent 2 letters to Capital One. 1st being XX/XX/year> second one XX/XX/year>. They responded to the first letter stating that the account is being reported accurately as being paid in full after charge off. This is untrue! XXXX still shows derogatory. Also my Capital One mobile app for current accounts still shows this account ending in XXXX as being derogatory. Also the bureaus are NOT accurate on reporting over 30 over 60 over 90. THERE IS HUGE DISCREPANCY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: CBC Companies, Inc.
State: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: FL

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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: HW Holding, Inc
State: SC

Complaint narrative:
I just reviewed my credit report and noticed a few accounts that I dont recognize. I believe they were opened without my permission and may be the result of identity theft.These accounts are hurting my credit, and Id like to request that they be removed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: PA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( 189660430 ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
I dispute the following fraudulent accounts that appear on my credit reports, despite being unauthorized : XXXX XXXX ( Acct # XXXX ) Charged-off balance {$2400.00} XXXX ( Acct # ) Charged-off {$9300.00} XXXX XXXX XXXX XXXX ( Acct # ) Charged-off {$5000.00} XXXX ( Acct # ) Charged-off {$5600.00} These accounts were opened and used without my consent. I have already disputed with each credit bureau and provided proof of identity theft ( police report, FTC Identity Theft Affidavit, stolen-ID documentation ). Despite this, the entries remain on my files and are harming my credit. 

Under the Fair Credit Reporting Act, I ask that you investigate and order all three nationwide CRAs ( Equifax, Experian, TransUnion ) to delete these fraudulent tradelines immediately. I have enclosed copies of my FTC Affidavit, police report, and correspondence with each bureau. Please confirm receipt and advise me of the outcome. 

Thank you for your prompt attention.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: FL

Complaint narrative:
I am disputing the accuracy of a collection account reported by Hunter Warfield on my XXXX  credit report. The account is being reported with an " opened '' date of XX/XX/XXXX, which is incorrect. I vacated the apartment in question on XX/XX/XXXX, and I requested debt validation from Hunter Warfield in XX/XX/XXXX. 

On XX/XX/XXXX, Hunter Warfield responded with a copy of the final account statement from the original property management company, which confirms my move-out date. This documentation proves that the account should not reflect a XX/XX/XXXX opening date. 
Additionally, this account is only reporting on XXXX, not on XXXX  or XXXX, and I believe it is both inaccurately reported and potentially time-barred under Georgias 6-year statute of limitations for written contracts ( XXXX XXXX ). Ive already submitted a dispute through XXXX, but the account remains unchanged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
I do not recognize these inquiries, and they seem unauthorized. I kindly request prompt action to resolve this issue. The attached documents provide further details.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: AL

Complaint narrative:
[ SEE ATTACHMENTS FOR FULL LIST OF DISPUTED INFORMATION ] I recently reviewed my credit report dated XX/XX/year>, and noticed that all three credit reporting agenciesEquifax, Experian, and TransUnionare listing inaccurate and outdated personal information in my file. This includes old addresses I no longer live at, an employer I never worked for, and a misspelled version of my name. 

On XX/XX/year>, I submitted written disputes to each bureau requesting that they update my file and remove the following incorrect items : A name variation that Ive never used Multiple outdated or unrecognized addresses Employers I am no longer associated with or never worked for I also requested that my file reflect only my accurate legal name, current address, and correct date of birth. I made clear that I do not authorize my employer or phone number to appear in my report at this time. 

These data points are either unverifiable, no longer relevant, or never belonged to me. Their continued presence violates the accuracy and reinvestigation requirements outlined in the Fair Credit Reporting Act ( FCRA ), including : 607 ( b ) : Reasonable procedures to ensure maximum possible accuracy 611 ( a ) ( 1 ) ( A ) : Required reinvestigation of disputed information 611 ( a ) ( 5 ) : Deletion of inaccurate or unverifiable data 605 ( a ) ( 5 ) : Restriction on outdated or irrelevant information Additionally, I have attached proof of my identity and current address to ensure the bureaus can properly authenticate the dispute. I am adding this here because in past complaints, credit bureaus have claimed they could not verify identityeven when documentation was providedor ignored the dispute altogether. 

I am asking that the credit bureaus promptly remove all inaccurate or outdated personal information and confirm the updates in writing. These errors increase the risk of file contamination, misattribution of accounts, and general confusion in my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: AL

Complaint narrative:
[ SEE ATTACHMENTS FOR FULL LIST OF DISPUTED INFORMATION ] I recently reviewed my credit report dated XX/XX/year>, and noticed that all three credit reporting agenciesEquifax, Experian, and TransUnionare listing inaccurate and outdated personal information in my file. This includes old addresses I no longer live at, an employer I never worked for, and a misspelled version of my name. 

On XX/XX/year>, I submitted written disputes to each bureau requesting that they update my file and remove the following incorrect items : A name variation that Ive never used Multiple outdated or unrecognized addresses Employers I am no longer associated with or never worked for I also requested that my file reflect only my accurate legal name, current address, and correct date of birth. I made clear that I do not authorize my employer or phone number to appear in my report at this time. 

These data points are either unverifiable, no longer relevant, or never belonged to me. Their continued presence violates the accuracy and reinvestigation requirements outlined in the Fair Credit Reporting Act ( FCRA ), including : 607 ( b ) : Reasonable procedures to ensure maximum possible accuracy 611 ( a ) ( 1 ) ( A ) : Required reinvestigation of disputed information 611 ( a ) ( 5 ) : Deletion of inaccurate or unverifiable data 605 ( a ) ( 5 ) : Restriction on outdated or irrelevant information Additionally, I have attached proof of my identity and current address to ensure the bureaus can properly authenticate the dispute. I am adding this here because in past complaints, credit bureaus have claimed they could not verify identityeven when documentation was providedor ignored the dispute altogether. 

I am asking that the credit bureaus promptly remove all inaccurate or outdated personal information and confirm the updates in writing. These errors increase the risk of file contamination, misattribution of accounts, and general confusion in my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: DC

Complaint narrative:
I recently reviewed my consumer report and I noticed some discrepancies that require attention. 

Please see attached letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: PA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: PA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: AL

Complaint narrative:
Today XX/XX/year> I received a notification informing me that my account wih Sofi banking is restricted. When I called to take care of it I was informed that they had determined that I violated the terms of service so they are going to shut down my account and mail me a check with my funds. They could not tell me how I had done so, when they will close the account, or when I should expect my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
This letter serves as my formal dispute regarding a late payment that has been incorrectly reported on my credit file. I am confident that this payment was made on time and in accordance with the terms of the 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 non-monetary relief