vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I cancelled my XXXX membership XX/XX/year> and later noticed charges I didn't recognized from XXXX XXXX on my credit card. I attempted to dispute directly with the merchant without success, so I proceeded to open a dispute with my card issuer. The credit card company investigated and ruled in my favor, issuing a credit for the disputed amounts. 

Instead of following the proper credit card dispute process or providing proof to the bank, XXXX and its billing partner, XXXX XXXX, sent my account to collections with Aldous & Associates. 

I provided documentation showing the cancellation, the dispute results, and the banks resolution, yet Aldous & Associates continued to contact me and demand payment. They have refused to validate the debt, misrepresented the amount owed, and continued collection efforts in violation of the FDCPA and Floridas FCCPA.

I am requesting full closure of this account, confirmation of XXXX balance and that no credit reporting will occur, and enforcement action for unlawful debt collection practices. 

These actions violated the Fair Debt Collection Practices Act ( FDCPA ) and the Florida Consumer Collection Practices Act ( FCCPA ), as Aldous continued contacting me after written dispute and without providing validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: IL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

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 2025-10-16 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shown as Collection/ChargeOff but coded as Installment ; collection reporting with installment-type fields and inconsistent activity dates.

o FCRA/Reg V : 607 ( b ), 611 ( a ), 623 ( a ) ( 5 ) ( DOFD/re-aging risk ), Reg V 1022.42 ( a ). 
o XXXX : XXXX ( Account Status ), XXXX, XXXX ( Date of Acct Info ), XXXX ( Amount Past Due ), XXXX ( Payment History ), XXXX ( Compliance Code ). 
o XXXX : Provide DOFD and full ledger ; absent proof, delete. 
XXXX. XXXX XXXX XXXX ( XXXX ) XXXX XXXX {$100.00} and XXXX without proof of due date/receipt/posting sequence. 
o XXXX XXXX : XXXX ( b ), XXXX ( a ) ; XXXX XXXX XXXX ( a ). 
o XXXX : XXXX, XXXX ( XXXX XXXX ), XXXX, XXXX, XXXX. 
o XXXX : Produce billing ledger ; otherwise remove all lates/derog or delete. 
XXXX. XXXX XXXX XXXX ( XXXX ) collection framed with past-due and conflicting activity date usage. 
o XXXX XXXX : XXXX ( b ), XXXX ( a ), XXXX ( a ) ( XXXX ) ; XXXX XXXX XXXX ( a ). 
o XXXX : XXXX, DOFD, XXXX, XXXX ( XXXX ), XXXX, XXXX. 
o XXXX : Correct to compliant collection coding or delete. 
XXXX. XXXX XXXX ( XXXX XXXX ) marked As XXXX XXXX while showing XX/XX/year> lates ( XXXX ) internal contradiction. 
o XXXX XXXX : XXXX ( b ), XXXX ( a ) ; XXXX XXXX XXXX ( a ). 
o XXXX : XXXX, XXXX, XXXX, XXXX. 
o XXXX : Provide running statements proving each late month ; else remove late grid. 
XXXX XXXX XXXX XXXX XXXX XXXX coded XXXX / negative status after closure/zero balance. 
o XXXX XXXX : XXXX ( b ), XXXX ( a ) ; XXXX XXXX XXXX ( a ). 
o XXXX : XXXX, XXXX ( Date Closed ), XXXX ( XXXX ), XXXX, XXXX, XXXX. 
o XXXX : Produce ledger supporting XXXX lates post-closure ; else delete derog or tradeline. 
XXXX. XXXX XXXX ( XXXX of XXXX ) {$0.00} balance & Closed yet coded Collection/Charge-Off. 
o XXXX XXXX : XXXX ( b ), XXXX ( a ). 
o XXXX : XXXX, XXXX, XXXX, XXXX, XXXX. 
o XXXX : Provide charge-off accounting ( principal/interest/fees write-off ) or delete. 
XXXX. XXXX XXXX ( multiple ) As Agreed but flagged Negative/Dispute-resolved ; misleading derogatory tagging. 
o XXXX XXXX : XXXX ( b ), XXXX ( a ). 
o XXXX : XXXX, XXXX, XXXX, XXXX, XXXX. 
o Relief : Correct to non-derogatory ; remove late codes absent proof. 
All late months disputed : Every XXXX indicator for the items above on your payment grids is disputed. Provide running statements/ledger showing due date receipt posting. 
Codes are not proof. 
If you can not verify to 611 ( a ) ( 5 ) ( A ) & 607 ( b ) standards, you must delete the derogatory data or the entire tradeline. I will file with the CFPB/FTC/State AG and pursue remedies under FCRA 616617 for noncompliance .

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 2025-10-16 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: TN

Complaint narrative:
XX/XX/year> The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name XXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX, Tennessee XXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX, XXXX, TN, XXXX - The following personal information is incorrect - Please delete this from my credit report. 

Incorrect Address : XXXX XXXX XXXX XXXX, XXXX This is my relatives address. PLEASE DELETE THIS FROM MY CREDIT REPORT. 

Incorrect Address - XXXX XXXX XXXX, XXXX, TN, XXXX - The following personal information is incorrect - Please delete this from my credit report. 

EMPLOYER - XXXX XXXX XXXXXXXX- The following personal information is incorrect - Please delete this from my credit report.EMPLOYER - XXXXXXXX XXXX XXXX - The following personal information is incorrect - Please delete this from my credit report.

Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: TN

Complaint narrative:
XX/XX/year> The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name XXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX, Tennessee XXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX, XXXX, TN, XXXX - The following personal information is incorrect - Please delete this from my credit report. 

Incorrect Address : XXXX XXXX XXXX XXXX, XXXX This is my relatives address. PLEASE DELETE THIS FROM MY CREDIT REPORT. 

Incorrect Address - XXXX XXXX XXXX, XXXX, TN, XXXX - The following personal information is incorrect - Please delete this from my credit report. 

EMPLOYER - XXXX XXXX XXXXXXXX- The following personal information is incorrect - Please delete this from my credit report.EMPLOYER - XXXXXXXX XXXX XXXX - The following personal information is incorrect - Please delete this from my credit report.

Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting 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 non-monetary relief
Consumer complaint received 2025-10-16 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: NY

Complaint narrative:
I wanted to let you know that I lost control of my accounts due to a previous detention, leaving me unaware of what was happening with my files. Unfortunately, someone misused my information to open fraudulent accounts. I kindly ask that these accounts not be reported to any of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
This complaint is regarding a unprofessional exchange between the loan officer and myself. There was no appropriate choice for reasons to file a complaint. Called the officer to inform him I was not going to commit to taking on any more debt with the situation going on with the present administration in the XXXX XXXX. He tried to overtalk me and convince me to change my mind. I ask him to allow me to speak and explain why. When I mentioned the economy crashing due to the maniac in the XXXX XXXX. He hung up on me. I did report it to the company. Loan Depot. They filed a complaint and said they would speak with his manager and remove my name from the call list as I told them I was getting calls all day and night from the company not the officer. Soliciting business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: PA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES 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 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
CREDENCE is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

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 2025-10-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> UNAUTHORIZED INQUIRIES : Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XX/XX/year> Equifax XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Unauthorized Credit Inquiry Dispute Dear Sir or Madam, I am writing to dispute several unauthorized credit inquiries that have appeared on my TransUnion credit report. I did not authorize these inquiries, and I believe they may be a result of identity theft or errors made by the companies listed below. The inquiries in question are : 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 XXXXXX/XX/XXXX I respectfully request that you investigate these inquiries and remove them from my credit report as soon as possible. I did not authorize any of these credit pulls, and I believe they are either fraudulent or made in error. 
Thank you for your attention to this matter. I look forward to your prompt resolution. 
Sincerely, 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 2025-10-16 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Hello, I applied for a XXXX credit card about 5 months ago and they gave me a {$8200.00} credit limit. I haven't even been a XXXX member for a year. 

I owe XXXX {$2400.00} on their credit card and make on-time payments. My personal credit score is XXXX XXXX 

Out of the blue I recieve an email and letter in the mail from them stating that they have reduced my credit limit to {$4000.00} which will greatly affect my credit score because now it will look like I have used 70 % of my available credit! I haven't even had the card or membership for year and this will wreck my credit. 

Is this legal? 

Kind regards, 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 non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
Called SOUTHWEST CREDIT SYSTEMS ON XX/XX/year> at XXXX. Spoke to a representative to get an account number to see about why this is on my credit report. This account on behalf of XXXX IS not under my social security number and needs to be removed immediately from all three credit bureaus. Its not under my social my birthday nothing is linked to me from this 3rd party debt collector or account I do not have a account number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: MO

Complaint narrative:
Dear Experian I am writing formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information iam disputing is as follows : FRAUDULENTD ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDELENT INQUIRIES 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 2025-10-16 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: AL

Complaint narrative:
Under FCRA 611 ( a ) ( 1 ) ( A ), I dispute the accuracy and completeness of the following Equifaxreported items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CollectionInstallment ( Open ) with Past Due {$1200.00} ( collections should not carry past due like installment/revolving ). 
XXXX FCRA/Reg V : 607 ( b ), 611 ( a ), 623 ( a ) ( 5 ) ; Reg V 1022.42 ( a ).XXXX Metro-2 : 17A, DOFD, 32, 14, 25, 40, 71. XXXX Relief XXXX Provide XXXX  and ledger ; else delete. 
XXXX. XXXX XXXX XXXX XXXX XXXX {$100.00} ; Late90Days ; require cycle/ledger proof. 
o FCRA/Reg V : 607 ( b ), 611 ( a ) ; Reg V 1022.42 ( a ).

o Metro-2 : 17A, 19, 32, 25, 40.

o Relief : Remove late history absent proof or delete. 
XXXX. XXXX XXXX XXXX ( XXXX  ) CollectionInstallment ( Open ) with Past Due {$2500.00} ; conflicting date usage vs other bureaus ( re-aging risk ). 
XXXX  FCRA/Reg V : 607 ( b ), 611 ( a ), 623 ( a ) ( 5 ) ; Reg V 1022.42 ( a ).

XXXX  Metro-2 : 17A, DOFD, 32, 14, 25, 40.

XXXX  Relief : Correct coding or delete. 
XXXX. XXXX XXXX ( XXXXpen Revolving ) As Agreed but shows 30/60/90 lates ( XXXX ) ; contradiction. 
XXXX  FCRA/Reg V : 607 ( b ), 611 ( a ). 
XXXX Metro-2 : 17A, 19, 40, 25. 
XXXX Relief : Produce statements for each late month ; else remove late grid. 
XXXX XXXX XXXX ( Closed/Zero ) still coded LateOver120Days/Negative ; facial inconsistency. 
XXXX FCRA/Reg V : 607 ( b ), 611 ( a ).

XXXX  Metro-2 : 17A, 24, 14, 32, 19, 40.

XXXX Relief : Ledger or delete derog/tradeline. 
XXXX. XXXX XXXX ( multiple ) As Agreed but Negative/Dispute-resolved flags remain. 
XXXX FCRA/Reg V : 607 ( b ), 611 ( a ). o Metro-2 : 17A, 19, 40, 25, 71.XXXX Relief  : Correct to non-derogatory ; remove late codes without proof. 
XXXX. Dept. of Education/XXXX  Negative with 90-day late 6 despite As Agreed elsewhere ; requires federal loan ledger. 
XXXX FCRA/Reg V : 607 ( b ), 611 ( a ) ; Reg V 1022.42 ( a ).XXXX Metro-2 : 17A, 40, DOFD, 25XXXX R
elief : Uniform correction or delete unverified derog months. 
All late months disputed. Provide running statements/ledger ( due date receipt posting ). 
Codes proof. 
If unverified to 611 ( a ) ( 5 ) ( A ) and 607 ( b ) standards, delete or suppress the tradeline ( s ).

Otherwise, I will escalate to CFPB/FTC/AG and seek relief under FCRA 616617.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: OH

Complaint narrative:
I have been a victim of several security breaches and as a result I have become a victim of identity theft. There are things reporting on my credit report that do not belong to me and I have no knowledge of.

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 2025-10-16 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: TX

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : 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