vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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 am disputing the following accounts and inquiries, which are not mine and were opened or reported without my knowledge or authorization : XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXXard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts and inquiries are not mine. I have not applied for, used, or given anyone permission to open or operate these accounts on my behalf. 

Formal Request for Investigation and Debt Verification : Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I formally request the immediate blocking and deletion of all fraudulent items listed above from my credit report.

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I am demanding debt verification for each of the disputed accounts. You are required to provide valid, documented evidence that I authorized these accounts, such as a signed application or contract. If no such documentation exists, you are legally obligated to remove these accounts from my credit file.

Compensation for False Verification : Be advised that under FCRA 616 ( 15 U.S.C. 1681n ), if any account is falsely verified as accurate despite my formal dispute and supporting evidence of identity theft, I am entitled to seek statutory damages of {$1000.00} per violation, in addition to attorney fees and punitive damages. 

Supporting Documentation : The following documents are included with this dispute to validate my identity and my claim : A copy of my identity theft police report A copy of my government-issued photo ID Proof of current address ( e.g., utility bill or bank statement ) Requested Actions : I am requesting the following actions under my rights as outlined in the FCRA : Immediate removal of all fraudulent accounts and hard inquiries listed above Full verification of each disputed debt, including legally valid documentation Written confirmation of the deletion of all fraudulent items Proof that each data furnisher has been notified and instructed to stop reporting unverifiable data An updated copy of my credit report reflecting these corrections I expect confirmation in writing that my requests have been fulfilled. Please be advised that failure to comply with FCRA obligations may result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and potential civil legal action.

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 2025-06-25 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 am disputing the following accounts and inquiries, which are not mine and were opened or reported without my knowledge or authorization : XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXXard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts and inquiries are not mine. I have not applied for, used, or given anyone permission to open or operate these accounts on my behalf. 

Formal Request for Investigation and Debt Verification : Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I formally request the immediate blocking and deletion of all fraudulent items listed above from my credit report.

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I am demanding debt verification for each of the disputed accounts. You are required to provide valid, documented evidence that I authorized these accounts, such as a signed application or contract. If no such documentation exists, you are legally obligated to remove these accounts from my credit file.

Compensation for False Verification : Be advised that under FCRA 616 ( 15 U.S.C. 1681n ), if any account is falsely verified as accurate despite my formal dispute and supporting evidence of identity theft, I am entitled to seek statutory damages of {$1000.00} per violation, in addition to attorney fees and punitive damages. 

Supporting Documentation : The following documents are included with this dispute to validate my identity and my claim : A copy of my identity theft police report A copy of my government-issued photo ID Proof of current address ( e.g., utility bill or bank statement ) Requested Actions : I am requesting the following actions under my rights as outlined in the FCRA : Immediate removal of all fraudulent accounts and hard inquiries listed above Full verification of each disputed debt, including legally valid documentation Written confirmation of the deletion of all fraudulent items Proof that each data furnisher has been notified and instructed to stop reporting unverifiable data An updated copy of my credit report reflecting these corrections I expect confirmation in writing that my requests have been fulfilled. Please be advised that failure to comply with FCRA obligations may result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and potential civil legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: AR

Complaint narrative:
I am writing to dispute the late payment information currently being reported on my Experian credit report. I am requesting a formal reinvestigation of the following accounts, which I believe may reflect inaccurate or misreported payment activity. 

Account in Dispute : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$2800.00} Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute and request verification of any information on my credit report that I believe is inaccurate. If these late payments can not be fully verified by Experian with proper documentation from the original creditors, they must be corrected or deleted in compliance with federal 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 2025-06-25 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: WA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : Chapter XXXX Bankruptcy Case Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CHECKredi of Kentucky, LLC
State: SC

Complaint narrative:
The company CHECKREDi was told yesterday XX/XX/year> by me that they werent authorized to go into my account and they still went in at XXXX and took XXXX dollars from my account. I reached out again and told them it was unauthorized and to my bank as well and they disputed it as well. I was told to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: TX

Complaint narrative:
Im file for all three company Experian, Equifax and transunion for many things that are on my account and need to be deleted first law you broke is 15 usc 1681, 15 usc 1692 why I looking at any thing on my Experian and Equifax both are freeze account since 2022 why are my credit score are going down and I should not be seeing hard inquiries on my credit report these are unauthorized, unverifiable, and please show me proof I did this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: SC

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: IL

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 2025-06-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Please help me investigate accounts from these companies that inaccurately show late payments on my credit report. I have checked my report and found some accounts with incorrect late payment notations. These accounts should have no late payment remarks. Kindly remove these remarks and update the accounts as agreed to positive status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report, reported by XXXX and reflected on my report with Equifax Information Services LLC. The account is identified as account number XXXX. I do not recognize this account, and I believe it has been included on my credit report without proper authorization. 
I submitted a formal dispute with Equifax Information Services LLC., requesting verification and removal of the account in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), which require that only accurate and verifiable information be included on my report. Additionally, I cited Section 604 ( 15 U.S.C. 1681b ), which mandates that all access to my credit report must have a permissible purpose. 
Despite my dispute, Equifax Information Services LLC responded by marking the account as " verified '' or " updated '' without providing any documentation or evidence supporting the accounts validity. I believe this is a violation of my rights under the FCRA, as credit bureaus are required to conduct a reasonable and thorough investigation, and failure to do so can result in liability, as upheld by case law like XXXX XXXX XXXX XXXX XXXX. 
Additionally, the actions of Equifax Information Services LLC and XXXX may constitute a violation of the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) standards. By retaining unverifiable information on my report, they are potentially engaging in deceptive or unfair practices. This inaccurate information has negatively impacted my credit score, affecting my financial standing and access to credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: OK

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

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX OK XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$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 2025-06-25 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:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I am disputing a charge on my account that was made on XX/XX/2025 to XXXX for {$180.00}. 
In XX/XX/2025 when I found this fraudulent charge of {$180.00} on my account, I immediately called Goldman Sachs and disputed the charge and had a new credit card ordered and sent to me from Goldman Sachs. 
On XX/XX/2025 I mailed screenshots of my XXXX purchase history for XX/XX/2025, which shows I did not make this purchase. 
Also on XX/XX/2025, I spoke to a XXXX customer service representative about this subject. They have requested that Goldman Sachs contact them to inquire about my online purchase history with XXXX. I provided a reference number from XXXX to use when inquiring with XXXX. 
Also, on XX/XX/2025 I requested via a phone call to Goldman Sachs the documents Goldman Sachs used against me in this matter. 
I received those requested documents on XX/XX/2025. After reviewing those documents, I provided my evidence showing that I did not place/order or receive the transaction on XX/XX/2025 at XXXX for {$180.00}. 
XXXX ) Not my email address. The email address listed that placed the order is not mine. 
XXXX ) The IP address listed on Goldman Sachs documents is not mine. 
XXXX ) The internet/ISP used listed on Goldman Sachs XXXX XXXX not my internet/ISP provider. 
On XX/XX/2025 I went to our XXXX, IL XXXX XXXX XXXX and spoke to the Postmaster, about the XXXX XXXX number Goldman Sachs provided in the documents they sent me, which I received on XX/XX/2025. From Goldman Sachs documents, the XXXX tracking number was delivered to a mailbox in XXXX, IL. The XXXX used the XXXX tracking program/system ( not the same tracking system used by the general public ) and he stated that package/tracking number was delivered to another address in XXXX, IL, not to an address associated with me, XXXX XXXX. However, the Postmaster could not provide me with name and address where the package was actually delivered to due to XXXX privacy policies. I provided a letter from the Postmaster stating that the package was not delivered to me, XXXX XXXX. He also included his phone number ; so they could contact him. 
I truly hoped Goldman Sachs would see with the evidence I provided that I DID NOT charge {$180.00} to Wamart.com on XX/XX/2025. I have wasted entirely too much time and money defending myself to Goldman Sachs, when they should be protecting me, their customer. 
In closing I have been disputing this charge since XX/XX/2025 with Goldman Sachs and have opened a total of XXXX disputes with them that they keep denying even though I have the proof I did not make the purchase nor receive the item.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief