vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: IN

Complaint narrative:
I am filing this complaint to demand that TransUnion, Experian, and Equifax immediately block and remove all fraudulent accounts, collections, and hard inquiries reporting on my consumer file in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ).

My personal information was compromised in a data breach, and unauthorized parties used it to open accounts and initiate hard inquiries without my consent. I did not authorize, initiate, or participate in any of the accounts, inquiries, or collections being reported. 

I would like to have these items removed from my credit report as soon as possible. Accounts : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/year> bal. {$580.00}. 

No third party, credit repair company, or representative is acting on my behalf.

I am submitting this dispute personally, as the victim of identity theft.

The information I am disputing is fraudulent, inaccurate, and unverifiable. Under federal law, the credit bureaus are required to : Block identity-theft-related information within 4 business days of receiving this complaint and documentation ( FCRA 605B ) Conduct a complete reinvestigation within 30 days ( FCRA 611 ) Ensure maximum possible accuracy of all reporting ( FCRA 1681e ( b ) ) I have attached : A list of the fraudulent hard inquiries A list of the fraudulent accounts/collections A copy of my full credit report showing the disputed information A copy of my FTC Identity Theft Report ( Case # XXXX ) Proof of identity and proof of address Failure to properly investigate my dispute, failure to block identity-theft items, or failure to respond appropriately is a direct violation of the Fair Credit Reporting Act. 
Ignoring, dismissing, or failing to act on my dispute is illegal under : 15 U.S.C. 1681c-2 ( FCRA 605B ) 15 U.S.C. 1681i ( FCRA 611 ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681n ( Civil liability for willful non-compliance ) 15 U.S.C. 1681o ( Liability for negligent non-compliance ) Additionally, the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) protects consumers from being held responsible for fraudulent accounts or inquiries resulting from identity theft.

I am requesting : 1. Immediate blocking of all fraudulent accounts, inquiries, and collections 2. A full reinvestigation of all disputed items XXXX. Written results and verification of your investigation 4. An updated, corrected copy of my consumer report 5. Confirmation of the measures taken to protect my personal information These inaccuracies are actively harming my creditworthiness and must be addressed with urgency.

I expect complete compliance with federal law and written confirmation from your agency within the required timeframe.

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 2025-12-09 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: IN

Complaint narrative:
I am filing this complaint to demand that TransUnion, Experian, and Equifax immediately block and remove all fraudulent accounts, collections, and hard inquiries reporting on my consumer file in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ).

My personal information was compromised in a data breach, and unauthorized parties used it to open accounts and initiate hard inquiries without my consent. I did not authorize, initiate, or participate in any of the accounts, inquiries, or collections being reported. 

I would like to have these items removed from my credit report as soon as possible. Accounts : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/year> bal. {$580.00}. 

No third party, credit repair company, or representative is acting on my behalf.

I am submitting this dispute personally, as the victim of identity theft.

The information I am disputing is fraudulent, inaccurate, and unverifiable. Under federal law, the credit bureaus are required to : Block identity-theft-related information within 4 business days of receiving this complaint and documentation ( FCRA 605B ) Conduct a complete reinvestigation within 30 days ( FCRA 611 ) Ensure maximum possible accuracy of all reporting ( FCRA 1681e ( b ) ) I have attached : A list of the fraudulent hard inquiries A list of the fraudulent accounts/collections A copy of my full credit report showing the disputed information A copy of my FTC Identity Theft Report ( Case # XXXX ) Proof of identity and proof of address Failure to properly investigate my dispute, failure to block identity-theft items, or failure to respond appropriately is a direct violation of the Fair Credit Reporting Act. 
Ignoring, dismissing, or failing to act on my dispute is illegal under : 15 U.S.C. 1681c-2 ( FCRA 605B ) 15 U.S.C. 1681i ( FCRA 611 ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681n ( Civil liability for willful non-compliance ) 15 U.S.C. 1681o ( Liability for negligent non-compliance ) Additionally, the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) protects consumers from being held responsible for fraudulent accounts or inquiries resulting from identity theft.

I am requesting : 1. Immediate blocking of all fraudulent accounts, inquiries, and collections 2. A full reinvestigation of all disputed items XXXX. Written results and verification of your investigation 4. An updated, corrected copy of my consumer report 5. Confirmation of the measures taken to protect my personal information These inaccuracies are actively harming my creditworthiness and must be addressed with urgency.

I expect complete compliance with federal law and written confirmation from your agency within the required timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I kindly request the immediate removal of this incorrect late payment from my account. My payment history has always been punctual, and this error is causing unnecessary concern. Please update my account accordingly.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I just discovered that an incomplete address is on my file and incorrect name. Please delete it and keep only the complete address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am submitting a formal request for reinvestigation regarding the accuracy, completeness, and verifiability of several accounts appearing on my Experian credit file. The information being furnished contains inconsistencies, incomplete reporting, and accuracy violations that must be reviewed under federal law and XXXX data standards.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am submitting a formal request for reinvestigation regarding the accuracy, completeness, and verifiability of several accounts appearing on my Experian credit file. The information being furnished contains inconsistencies, incomplete reporting, and accuracy violations that must be reviewed under federal law and XXXX data standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing this complaint against SYNCB/PPMC for their continued failure to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ). I originally disputed the accuracy of the account reporting Account # XXXX on XX/XX/year>. I sent a follow-up on XX/XX/year>, and a second follow-up. Despite multiple notices, SYNCB/PPMC has not provided any verification, investigation results, or documentation proving the accuracy of these accounts. They have ignored my requests and continue to report information that remains unverified. Under federal law, once a furnisher is notified of a dispute, they are required to conduct a reasonable investigation, review all relevant information, and correct or delete any inaccurate, incomplete, or unverifiable data.

SYNCB/PPMC has failed to do any of these. Their lack of response and continued reporting of unverified information is a clear violation of the FCRA.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future.

I'm writing because my identity has been stolen, and it has caused me more stress than I could have ever imagined. Ive worked hard to build my credit and protect my name, but now Im being held responsible for accounts and debts that arent mine. Ive done everything I can to prove my innocence, but I feel like Im being ignored by the companies reporting this false information. I just want my name cleared and my peace of mind back. No one should have to fight this hard to be seen as themselves again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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 have no connection to these accounts and believe they may be fraudulent. I request a thorough investigation and their prompt removal from my credit report. Supporting documents are enclosed.

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 2025-12-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because Experian is knowingly reporting an inaccurate and unverified late payment on my credit file despite three written disputes and more than enough time to reinvestigate under the Fair Credit Reporting Act. The disputed item is : XXXXXXXX XXXX account ending XXXX XXXX XXXX reported XX/XX/year>. Experian has not provided any proof, records, or actual method of verification as required under FCRA 1681i, yet continues to publish damaging information that XXXX XXXX has never verified. This is a willful violation of 1681i and 1681s-2 ( b ), causing ongoing harm to my creditworthiness.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX - Balance : {$8000.00} XXXX XXXX Date Opened : XX/XX/XXXX - Balance : {$47000.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX - Balance : {$22000.00}

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

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 ( FTC REPORT NUMBER : XXXX ) 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 : 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 XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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 AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am deeply concerned about several unfamiliar inquiries appearing on my credit report. I did not authorize, apply to, or give consent for these companies to access my information. I am trying to understand how and why this occurred, and it has caused me significant stress and XXXX  knowing my personal information may have been improperly used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
This complaint is being filed because the XXXX reporting agency has returned a response to my previous CFPB dispute claiming that the contested accounts, inquiries, and personal identifying information were verified. This verified response is inaccurate, incomplete, and inconsistent with the requirements of the Fair Credit Reporting Act. 
Pursuant to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ), I am invoking my right to request a Method of Verification for every item the credit reporting agency reported as verified, including : XXXX. All accounts disputed in the initial CFPB complaint XXXX. All hard inquiries associated with those disputed accounts XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX FACTUAL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX FACTUAL DATA XX/XX/XXXX XXXX XXXX All addresses, address-identification numbers, prior address XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX, XXXX non-consumer-provided personal identifiers appearing on the file that are not mine The credit reporting agency has not provided any legally sufficient evidence that they contacted the furnisher, nor have they provided any procedure used to reinvestigate the accuracy of the disputed information. 
The agency did not contact me, did not contact the FTC regarding my identity theft report, and did not verify the authenticity of addresses or address-identification numbers linked to fraudulent accounts. 
Therefore, the verified response provided by the XXXX reporting agency is unsupported. Under the law, I have the right to receive : The exact name, address, and telephone number of the furnisher ( XXXX ) of information A detailed description of the procedure used to verify the disputed items The source ( XXXX ) of any address, inquiry, or account information the agency relied upon The method by which the agency verified the identity and address data appearing on my file The agency failed to provide all of the above.

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 2025-12-09 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief