vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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:
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 2025-03-18 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: MD

Complaint narrative:
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 XXXXXXXX Subject : Fraudulent Accounts and Personal Information Dispute To Whom It May Concern, I am writing to formally dispute fraudulent information appearing on my credit report. I believe I am a victim of identity theft, and the following incorrect personal information, closed accounts, and collection accounts must be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 
Personal Information to Be Removed : 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 XXXXXX/XX/XXXX ) Fraudulent Inquires : Under the FCRA ( 15 U.S.C. 1681c-2 ), I am requesting the immediate removal of all fraudulent accounts and personal information. These items are not associated with me, and as per the FCRA, credit reporting agencies must block and remove fraudulent accounts once notified by the consumer. Furthermore, per 15 U.S.C. 1681i, you are required to conduct a reinvestigation and delete any information found to be inaccurate or unverifiable within 30 days. 
Please forward me an updated credit report reflecting the corrections. If you need any further information, please contact me at the address or phone number listed above. Failure to comply with this request will result in further legal action. 
Sincerely, XXXX XXXX SS # : 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 2025-03-18 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: ACIMA CREDIT, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XX/XX/XXXX XXXX Fraud Department XXXX XXXX XXXX XXXX, TX XXXX XXXX Fraud Department XXXX XXXX XXXX XXXX, GA XXXX XXXX Fraud Department XXXX XXXX XXXX XXXX, PA XXXX Subject : Fraudulent Accounts and Personal Information Dispute To Whom It May Concern, I am writing to formally dispute fraudulent information appearing on my credit report. I believe I am a victim of identity theft, and the following incorrect personal information, closed accounts, and collection accounts must be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 
Personal Information to Be Removed : XXXX XXXX XXXX A XXXX XXXX XXXX XXXX, XXXX, MD XXXX Fraudulent Closed Accounts : XXXX XXXX XXXX XXXX  ( Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX ) XXXX XXXXXXXX ( Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX ) XXXX XXXX XXXX ( Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXX ) XXXX ( Opened : XX/XX/XXXX ) Fraudulent Collection Accounts : XXXX XXXX ( Opened : XX/XX/XXXX ) XXXX XXXX XXXX ( Opened : XX/XX/XXXX ) XXXX XXXX XXXX  ( Opened : XX/XX/XXXX ) Fraudulent Inquires : Under the FCRA ( 15 U.S.C. 1681c-2 ), I am requesting the immediate removal of all fraudulent accounts and personal information. These items are not associated with me, and as per the FCRA, credit reporting agencies must block and remove fraudulent accounts once notified by the consumer. Furthermore, per 15 U.S.C. 1681i, you are required to conduct a reinvestigation and delete any information found to be inaccurate or unverifiable within 30 days.

Please forward me an updated credit report reflecting the corrections. If you need any further information, please contact me at the address or phone number listed above. Failure to comply with this request will result in further legal action. 
Sincerely, XXXX XXXX SS # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: Chime Financial Inc
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Fraudulent Accounts and Personal Information Dispute To Whom It May Concern, I am writing to formally dispute fraudulent information appearing on my credit report. I believe I am a victim of identity theft, and the following incorrect personal information, closed accounts, and collection accounts must be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 
Personal Information to Be Removed : XXXX XXXX XXXX A XXXX XXXX XXXX XXXX, XXXX, MD XXXX Fraudulent Closed Accounts : XXXX XXXX XXXX XXXX. ( Opened : XX/XX/XXXX ) XXXX XXXX ( Opened : XX/XX/XXXX ) XXXXl XXXX ( Opened : XX/XX/XXXX ) XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX ) XXXX XXXXXXXXXXXX XXXX ( Opened : XX/XX/XXXX ) XXXX XXXX ( Opened : XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX ) XXXXXXXX XXXX XXXXXXXX. ( Opened : XX/XX/XXXX ) XXXX ( Opened : XX/XX/XXXX ) Fraudulent Collection Accounts : XXXX XXXX ( Opened : XX/XX/XXXX ) XXXX XXXX XXXX ( Opened : XX/XX/XXXX ) XXXX XXXX XXXX  ( Opened : XX/XX/XXXX ) XXXX Inquires : Under the FCRA ( 15 U.S.C. 1681c-2 ), I am requesting the immediate removal of all fraudulent accounts and personal information. These items are not associated with me, and as per the FCRA, credit reporting agencies must block and remove fraudulent accounts once notified by the consumer. Furthermore, per 15 U.S.C. 1681i, you are required to conduct a reinvestigation and delete any information found to be inaccurate or unverifiable within 30 days. 
Please forward me an updated credit report reflecting the corrections. If you need any further information, please contact me at the address or phone number listed above. Failure to comply with this request will result in further legal action. 
Sincerely, XXXX XXXX SS # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : 10 Account name : XXXX XXXX XXXXXXXX Account number : 01 Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
On XX/XX/year> I mailed a letter to AmRent requesting a copy of my consumer file and they did not respond at all and it has been XXXX days. 

I am fiing this complaint with the CFPB so that I can get help with this issue. It is my right to request a copy of the information that any consumer reporting agency has that relates to me. 

Attached to this complaint I've included a copy of my ID and Social to verify my identity and my current address. I also inculded a copy of the original letter that was sent to AmRent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: GA

Complaint narrative:
Subject : Debt Verification Request To Whom It May Concern, I am formally disputing the validity of an

alleged debt that has been reported on my credit file. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( 5 ) ), I am requesting full verification of this debt, including a copy of the original contract containing my wet-ink signature as proof that I agreed to this obligation. Additionally, under the Truth in Lending Act ( TILA ), I am requesting full disclosure of the terms and conditions of this debt, including any assignment records proving the creditors legal right to collect. As per 18 U.S.C. 894, any attempt to collect an unverified debt may constitute an unlawful debt collection practice. The Uniform Commercial Code ( UCC ) also mandates that valid contracts require an agreement between both parties. 

If this debt can not be fully validated with the requested documentation, I request its immediate removal from my credit report. Please provide a written response within the legally required timeframe. 

Sincerely, Without Recourse, Without Prejudice

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 2025-03-18 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 FRAUDULENT INFORMATION ( XXXX XXXX ) SEEMS TO HAVE BEEN REINSERTED ON MY CREDIT REPORT? IT WAS ONCE REMOVED few months ago THEN REINSERTED BY EQUIFAX WITHOUT SENDING ME PROPER PROOF OF VERIFICATION THEY USED TO REINSERT IN A TIMELY MANNER.

PURSUANT TO FCRA 605 ( B ) Law - i have sent all necessary docs to Equifax to have them block this account and they still haven't. This is willful negligence and highly illegal reporting. i am going to sue ALL PARTIES INVOLVED for {$1000.00} per month for damages if this continues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-03-18 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 writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. 
Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : 1.XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
2.Sarver v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
3.Henson v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-18 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: IN

Complaint narrative:
I sent a letter to the Credit Bureau requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. This account is reporting inaccurate late payments as I have statements showing I did not owe a balance duringthosetimes. 
XXXX XXXX XXXX XXXX Balance {$100.00}

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 2025-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
This has been an ongoing and none stop, now harassment commutation tactics by Citibank, after several complaints filed with the department of consumer affairs and after sending cease and desist letters via certified letter with signature return confirmation received. Citibank in past complaints, has responded with letters of, they will stop any further communication and attempts to contact me after each complaint filed and even mentioned the receiving of the cease and desist letters Ive sent. Now, AGAIN, today XX/XX/XXXX I received ANOTHER communication letter from Citibank as to an alleged debt that I have already sent a cease and desist letter in prior incidents as well as documentation of such in complaints with the department of consumer affairs as proof. This recent communication letter as to an alleged debt from Citibank again, dated XX/XX/XXXX and received today, XX/XX/XXXX is just outrageous, unethical, illegal and ignores Federal Fair Debt Collection act that protects consumers like me from this kind of abuse and intimidation tactics by a company Citibank. This is the 6th time that Citibank has violated my consumer rights under the federal government laws that protect consumers

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 2025-03-18 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: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-03-18 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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. This fraudulent, inaccurate, and false information consists of a loan XX/XX/year> under the account number sst XXXX, XXXX credit card These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation