vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am requesting the immediate freezing of my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: LA

Complaint narrative:
my information was leaked in a data breach, i am a victim of identity theft. Please remove these account. 

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 explanation
Consumer complaint received 2025-06-16 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 did not open these accounts please remove immediately. This is identity theft thank you

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 2025-06-16 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:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that XXXX, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This letter is a formal dispute and demand for the immediate removal of the following unauthorized hard inquiries from my credit file. I did not authorize any of these companies to access my credit report. I never gave written or verbal permission for these inquiries to be made. 
Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights under : 15 U.S.C. 1681b No inquiry may occur without permissible purpose and authorization 15 U.S.C. 1681e ( b ) Duty to ensure maximum possible accuracy 15 U.S.C. 1681i Duty to reinvestigate disputed information 15 U.S.C. 1681c-2 ( Section 605B ) Blocking of information resulting from identity theft This is a formal demand for the immediate removal and permanent block of a fraudulent account being reported by XXXX XXXX XXXX XXXX XXXX credit file. I am the victim of identity theft, and I did not authorize, open, or benefit from this account in any way. 

Account in Dispute : Creditor : XXXX XXXX XXXX Date Reported : [ Insert if known ] Nature of Dispute : Unauthorized account Identity Theft Required Action : Permanent deletion and block under FCRA Section 605B LEGAL BASIS : In accordance with the Fair Credit Reporting Act, specifically : 1681c-2 ( FCRA Section 605B ) Requires blocking of fraudulent information upon notification of identity theft 1681i Obligation to reinvestigate disputed information 1681e ( b ) Duty to ensure maximum possible accuracy 1681n & 1681o Civil liability for willful and negligent noncompliance You are legally required to block this information from my credit report within XXXX business days of receiving my documentation and to complete your reinvestigation and provide confirmation of deletion within XXXX calendar days. 


I demand that you : Provide a copy of any signed documentation authorizing these inquiries. 

Provide evidence of a permissible purpose for each inquiry. 

Immediately block and delete any unverifiable or unauthorized inquiry.

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 2025-06-16 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: FL

Complaint narrative:
Companies Involved : XXXX XXXX XXXX, XXXX TransUnion, XXXX Experian XXXX XXXX XXXX XXXX. 



Details of the Complaint : I am filing this complaint against XXXX XXXX XXXX, TransUnion, and Experian for their willful violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX XXXX has reported a derogatory account to both TransUnion and Experian under the name XXXX XXXX with an incomplete account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This reporting is legally deficient for several reasons : XXXX. Failure to Provide Required Disclosures : None of the parties provided me, XXXX XXXX, with the required consumer disclosures or notice of my right to dispute this debt prior to furnishing it to the consumer reporting agencies. This violates both the FCRA and FDCPA, which mandate that consumers be informed and given an opportunity to dispute debts before derogatory information is shared with third parties.

2. Lack of Proper Verification : In McDonald v. Rosengarten, it was clearly established that verification of a debt under federal law requires the debt collector to certify or attest that the information being reported is true and correct. None of the parties XXXX XXXX, TransUnion, or Experianhave provided me with any such certification, verification, or sworn attestation to confirm the legitimacy of this account. 
XXXX. Incomplete Reporting : The reported account is incomplete and misleading, as it does not list a full account number, which is a violation of the FCRAs accuracy and completeness requirements for consumer reporting data. 

This unverified and incomplete entry has caused serious harm to my credit profile, reduced my access to financial opportunities, and inflicted undue emotional and financial stress.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
It all happened in XXXX wrote formally to Experian : my Experian account has been compromised by an unauthorized party who has changed the two-factor authentication ( XXXX ) settings, effectively locking me out of my account. And I am a victim of ID theft where they tried to buy cars and open a bank account in my name. 

I became aware that I no longer had access to my Experian account. Upon attempting to log in, I received notification that the XXXX device or method had been changed without my authorization. I did not initiate this change and suspect that my account was accessed fraudulently. 

I have nit been able to a human on the phone with experian and have not heard from them after my 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 2025-06-16 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:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: GA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 non-monetary relief
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX Balance : {$4800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX : {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX XXXX XXXX : {$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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern : I am filing an urgent and legally binding identity theft dispute under the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S.C. 1681c-2, and related consumer protection statutes. I demand the immediate deletion of the following fraudulent and inaccurate accounts from my Experian credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$480.00} written off ), and XXXX XXXX XXXX account. These accounts were reported without my consent or authorization and are the result of confirmed identity theft. I have attached an FTC Identity Theft Report and will also be submitting a police report as additional evidence. Under FCRA 605B and 15 U.S.C. 1681c-2, credit reporting agencies are required to block all information resulting from identity theft within XXXX business days upon receipt of proper documentation. Under Section 611 of the FCRA, if the furnisher is unable to verify the accuracy of the account with original documentation bearing my wet ink signature, the account must be immediately removed. Furthermore, the XXXX account may constitute a violation of FERPA ( Family Educational Rights and Privacy Act ), as it involves unauthorized use of personally identifiable education-related information. Pursuant to XXXX XXXX Compliance Guidelines and the e-OSCAR dispute system, you are required to conduct a full investigation and remove any unverifiable or fraudulent information. Failure to comply will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Office of the Inspector General, and may subject your agency to civil liability under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. I demand written confirmation of deletion and correction across all bureaus within the timeframes required by law.

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 2025-06-16 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:
XXXX reporting identity theft. 
I request immediate removal under the FCRA and FDCPA.

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 2025-06-16 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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX Balance : {>= $1,000,000} XXXX XXXX L XXXX Balance : {$550.00} XXXX XXXX L XXXX Balance : {$9200.00} XXXX XXXX L XXXX Balance : {$550.00} XXXX XXXX L XXXX Balance : {$9200.00} XXXX XXXX L XXXX Balance : {$550.00} XXXX XXXX L XXXX Balance : {$9300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX Balance : {>= $1,000,000} XXXX XXXX L XXXX Balance : {$550.00} XXXX XXXX L XXXX Balance : {$9200.00} XXXX XXXX L XXXX Balance : {$550.00} XXXX XXXX L XXXX Balance : {$9200.00} XXXX XXXX L XXXX Balance : {$550.00} XXXX XXXX L XXXX Balance : {$9300.00}

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 2025-06-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FULTON FINANCIAL CORPORATION

Complaint narrative:
After having carried out a translation work on XX/XX/year>, I was informed that the XXXX XXXX would be responsible for my payment. I registered on the website https : //fultonfinancialcorporation.com/ and small " fees '' began to be asked to be able to release the money. The first was XXXX to get the transfer codes, the second XXXX to and XXXX to get the transfer and release of the TIN and now they are asking for another XXXX & having been sent a letter with the logos of the XXXX  XXXX XXXX. 

The process was carried out by XXXX, until I deleted my account The process was carried out by XXXX, until I deleted my account and I XXXX XXXX contact sent me a message on XXXX. To proceed with the payments I exchanged messages with XXXX XXXX in the same way. The latter is titled by the Tax Manager. XXXX ( XXXX ) XXXX contact XXXX XXXX XXXX ( XXXX ) XXXX contact 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 2025-06-16 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:
This complaint serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the account listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with zero compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions. 

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights.

You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed account, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs.

This account do not belong to me, as they are fraudulent. The banks have agreed to remove this account from my records. Im confused why you still feel theyre reporting accurately. Please see this account are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief