vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: VA

Complaint narrative:
Between XXXX and XXXX, someone used my identity without my knowledge or authorization to open multiple fraudulent accounts. In XX/XX/XXXX, a fraudulent account in the amount of {$770.00} was opened with a company listed as XXXX XXXX. I discovered this activity in XX/XX/XXXXXXXX  upon reviewing my credit report. Under the Fair Credit Reporting Act, specifically 15 U.S. Code 1681c-2, consumer reporting agencies are required to block and remove fraudulent information from a consumers file within four business days upon receiving : - Proof of the consumer 's identity - A copy of a valid identity theft report - A written statement identifying the fraudulent information In compliance with this law, I submitted an Identity Theft Report to the Federal Trade Commission on XX/XX/XXXX. I have formally disputed the fraudulent information and requested that the account be blocked and permanently removed from my credit report. This account was opened through identity theft and should not be associated with me. I am exercising my rights under the FCRA and request that the company take immediate action to resolve and remove this fraudulent item from all records. Let me know if you want to reference additional laws like the Fair Debt Collection Practices Act ( FDCPA ),

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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 value my credit the same as everyone else 's which is why I'm really concerned about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I've worked hard to build my credit, and it is disheartening to know that my rights as a consumer is being violated. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because multiple disputes I submitted to Experian regarding inaccurate items on my credit report have not been properly addressed, and I have not received sufficient evidence showing that a reasonable investigation was conducted by the credit reporting agencies involved. Despite following the proper procedures and submitting my disputes in writing via mail, I have not received any documentation or verification responses that demonstrate the disputed accounts were thoroughly investigated as required by the Fair Credit Reporting Act ( FCRA ). 

The disputes were submitted on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each of these letters included clear identification of the disputed accounts, supporting documentation, and a formal request for investigation. However, the credit reporting agencies have either failed to respond adequately or responded with generic summaries or automated replies, without providing detailed findings or investigation results.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I have 3 collection items on my report. One opened XX/XX/XXXX and last reporting on XX/XX/XXXX, the same company on another report opened on XX/XX/XXXX and reporting on XX/XX/XXXX. The one that was opened on XX/XX/XXXX shows as open, while the other is reporting as closed. These discrepancies I have as per Fair Credit Reporting Act ( FCRA ) 611.

Second item reports opened on XX/XX/XXXX and reported on XX/XX/XXXX while other opened on XX/XX/XXXX and reported on XX/XX/XXXX. The first item is reporting as closed, while the second item is reporting as open.

The 3rd item has same open date but different reporting dates and one is open and the other is closed.

on 1 report these items do not even exist. 

My car loan with XXXX XXXX should not be reporting late payments. My payment date was moved down and was reflected in XXXX, the XXXX - XXXX payments were not 30 days late at all. I've never been late with these payments. As a matter of fact I'm a little ahead of schedule. This needs to be corrected.

My reports all have different numbers because of all these discrepancies. I have asked them to be removed several times to no avail. I will continue to write them until this clears up.

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 2025-04-22 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: GA

Complaint narrative:
I am requesting the Consumer Financial Protection Bureau ( CFPB ) to immediately take enforcement action against Equifax, Experian, and TransUnion for multiple and repeated violations of federal law. I submitted written disputes, and supporting materials over 30 days ago ( date of the letter ), and they failed to comply with statutory duties under the Fair Credit Reporting Act ( FCRA ) and related federal laws. This delay constitutes additional violations. 

Violations Committed : 15 U.S.C. 1681, FCRA 607 ( b ) : Failure to ensure maximum possible accuracy FCRA 611 ( a ) ( 1 ) ( A ) : Failure to investigate disputes within 30 days FCRA 611 ( a ) ( 6 ) : Failure to reinvestigate and issue findings 15 U.S.C. 1692g : Failure to notify consumer of alleged debts Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) : Failure to safeguard consumer information 18 U.S.C. 1028 : Identity theft and misuse of personal data 15 U.S.C. 1681g ( e ) : Failure to provide victim assistance ( fraud alerts, recovery tools ) Metro2 / CDIA Violations : Noncompliance with industry reporting standards 1. Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c- 2 ( a ) XXXX XXXX Account Number : XXXX * * * * Please remove this inaccurate information from my credit report. 
2. Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c- 2 ( a ) XXXX XXXX Account Number : XXXX * * * * Please remove this inaccurate information from my credit report. 
3. Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c- 2 ( a ) XXXX XXXX Account Number : XXXX * * * * Please remove this inaccurate information from my credit report. 
4.Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c- 2 ( a XXXX XXXXXXXX Account Number : XXXX * * * * Please remove this inaccurate information from my credit report Requested Relief from the CFPB : Enforce immediate removal and blocking of all fraudulent accounts listed above. 
Compel deletion of all unauthorized hard inquiries. 
Mandate removal of inaccurate personal information, including addresses and employers. 
Require written confirmation from all three credit bureaus, including updated credit reports. 
Ensure that identity theft protections ( e.g., fraud alerts ) are implemented as required by law. 
Initiate investigation and sanctions for failure to comply with FCRA deadlines. 
Fine or discipline bureaus for their willful neglect of legal obligations.

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 2025-04-22 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: GA

Complaint narrative:
I am requesting the Consumer Financial Protection Bureau ( CFPB ) to immediately take enforcement action against Equifax, Experian, and TransUnion for multiple and repeated violations of federal law. I submitted written disputes, and supporting materials over 30 days ago ( date of the letter ), and they failed to comply with statutory duties under the Fair Credit Reporting Act ( FCRA ) and related federal laws. This delay constitutes additional violations. 

Violations Committed : 15 U.S.C. 1681, FCRA 607 ( b ) : Failure to ensure maximum possible accuracy FCRA 611 ( a ) ( 1 ) ( A ) : Failure to investigate disputes within 30 days FCRA 611 ( a ) ( 6 ) : Failure to reinvestigate and issue findings 15 U.S.C. 1692g : Failure to notify consumer of alleged debts Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) : Failure to safeguard consumer information 18 U.S.C. 1028 : Identity theft and misuse of personal data 15 U.S.C. 1681g ( e ) : Failure to provide victim assistance ( fraud alerts, recovery tools ) Metro2 / CDIA Violations : Noncompliance with industry reporting standards 1. Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c- 2 ( a ) XXXX XXXX Account Number : XXXX * * * * Please remove this inaccurate information from my credit report. 
2. Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c- 2 ( a ) XXXX XXXX Account Number : XXXX * * * * Please remove this inaccurate information from my credit report. 
3. Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c- 2 ( a ) XXXX XXXX Account Number : XXXX * * * * Please remove this inaccurate information from my credit report. 
4.Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c- 2 ( a XXXX XXXXXXXX Account Number : XXXX * * * * Please remove this inaccurate information from my credit report Requested Relief from the CFPB : Enforce immediate removal and blocking of all fraudulent accounts listed above. 
Compel deletion of all unauthorized hard inquiries. 
Mandate removal of inaccurate personal information, including addresses and employers. 
Require written confirmation from all three credit bureaus, including updated credit reports. 
Ensure that identity theft protections ( e.g., fraud alerts ) are implemented as required by law. 
Initiate investigation and sanctions for failure to comply with FCRA deadlines. 
Fine or discipline bureaus for their willful neglect of legal obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Data breach All negative reporting on all 3 bureaus be removed. I never consented to any of decisions/ transfers and transactions made under the15 usc.1681 that includes any debt, judgements and the late payments reporting. Remove all negative reporting and debt,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-04-22 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: Kriya Capital, LLC
State: IL

Complaint narrative:
In accordance with the fair credit reporting act Credence RM resources Act # XXXX has violated my rights 15 U.S.C 1681Section 602A. States I have the right to privacy 15 U.S.C 1681Section 604A Section 2 it also states a consumer reporting agency can not furnish an account with out my written instruction.

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: SC

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I am requesting copies of all credit card statements associated with accounts held in my name for the period from XXXX to XXXX, for financial audit purposes.

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 2025-04-22 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: MA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-04-22 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 formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes 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 2025-04-22 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: IL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After an XXXX XXXX XXXX data breach, I was given one year of identity theft coverage. This has since expired, so I tried to reach out to lock my credit and receive an annual credit report. The phone number and email that pop up for confirmation are not mine, so I have no access to my credit through Experian. All phone numbers on the Experian website led to nowhere.

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