vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Name : XXXX XXXX, XXXX : XXXX, XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX on XX/XX/XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX, a personal loan account opened at XXXX XXXX XXXX XX/XX/XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, a personal loan account opened at XXXX XXXX  XXXX XXXX XX/XX/XXXX, a personal loan account opened at XXXX and XXXX XXXX XX/XX/XXXX, a personal loan account opened at Eastern Account XXXX XXXX XX/XX/XXXX, and a personal loan account opened at Possible XXXX XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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, a copy of FTC Identity Theft Criminal Complaint # XXXX, and a copy of FTC Identity Theft Criminal Complaint # XXXX, as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-20 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts from my credit report due to identity theft. These accounts were opened without my consent and I am invoking my rights under the Fair Credit Act ( FCRA ) to have these items removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 .U.S.C . 168c-2 ( a ). I became aware of the breach of my personal information through the Equifax Data Breach, Which has exposed my sensitive Data to unauthorized individuals. The following accounts have been identified as a result of this breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: OH

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-20 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: MA

Complaint narrative:
This is a secondary upload for EQUIFAX to include XXXX more PDF file uploads. 
Initial CFPB File Number : XXXX, Secondary : XXXX. 
FTC ID Theft Affidavit File Number : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CFPB Complaint ID & SSN CARD ( Equifax ) .pdf. To provide proper identification and proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Few days back my card was lost somebody used with XXXX. So my bank replaced old card with new card. That card i did not recieve in my mail and somebody drained my whole money from account which was approximatly XXXX bucks and my bank is wells fargo. I urge please help me to get my money back because i am burden under this situation. I will either die due to this.

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 2025-04-20 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:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor have you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ).

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance. Documentation Still Required : Despite my prior request, you have not produced any of the following : 1.A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2.Records or communications used to verify the accuracy of the disputed information ; 3.Documentation outlining your reinvestigation procedure and final findings.

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified.

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 

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 2025-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
The credit card I am writing about is in regards to Navy Federal, my account is delinquent. I was 10 days late on my credit card, and they started transferring money from my Navy Federal checking account to satisfy the debt without my authorization. I also had money in the account for bill pay items and navy federal took my money out of my checking account and caused my account to be overdrawn.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  were opened against my consent as an identity theft victim. I have disputed this with all bureaus and XXXX is the only bureau that has deleted these fraudulent accounts from my credit report. These accounts are harming my XXXX score please deleted ASAP!

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am formally reporting the XXXX data breach that exposed the credit reporting information of U.S. citizens, including my own. Critically, this breach included my student loan information, which has directly contributed to negative changes in my credit report. I was never notified that this sensitive personal and financial data had been compromised, which is a clear violation of federal consumer protection laws.

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am formally reporting the XXXX  data breach that exposed the credit reporting information of U.S. citizens, including my own. Critically, this breach included my student loan information, which has directly contributed to negative changes in my credit report. I was never notified that this sensitive personal and financial data had been compromised, which is a clear violation of federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am formally reporting the XXXX  data breach that exposed the credit reporting information of U.S. citizens, including my own. Critically, this breach included my student loan information, which has directly contributed to negative changes in my credit report. I was never notified that this sensitive personal and financial data had been compromised, which is a clear violation of federal consumer protection laws.

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 2025-04-20 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: Thaxton Investment Corporation
State: OK

Complaint narrative:
XXXX XXXX is on my credit report a couple of times and I don't know what this is I've also told them that it's a duplicate and they will not remove it or verify it for that matter and give me the information on it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDear Sir/Madam:\nUpon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report:\n\nIncorrect Information to Be Removed:\n\nIncorrect Name(s): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report.\n\nAdditionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.\n\nRequest for Investigation and Procedures\nPursuant to Section 611(a)(6)(B)(iii) of the Fair Credit Reporting Act (FCRA), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation.\n\nAdditional Request\nPlease note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements.\nI also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above.\n\nRequest for Correction\nI request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law.\n\nThank you for your attention to this matter. I look forward to your prompt responseXXXX 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 2025-04-19 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  were opened against my consent as an identity theft victim. I have disputed this with all bureaus and XXXX is the only bureau that has deleted these fraudulent accounts from my credit report. These accounts are harming my XXXX score please deleted ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: PR

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. 

XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: PR

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. 

XXXX XXXXXXXX

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 2025-04-19 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: NY

Complaint narrative:
Subject : Demand for Immediate Correction and Deletion of Inaccurate Collection Account I am writing to formally dispute a fraudulent and inaccurate collection account reported by XXXX XXXX on my credit report, which is severely impacting my ability to proceed with a car purchase. This erroneous account indicates an incorrect debt of {$160.00} that I do not owe. I have no knowledge of this debt, nor have I given any authorization or acceptance of it. To address this fraudulent activity, I have filed a report with the Federal Trade Commission ( FTC ). The FTC has advised that such claims should be immediately ceased and desisted unless proper verification can substantiate the debt as mine. Under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681i ( a ) ( 7 ), you are required to provide a method of verification. To date, this account has been reported without providing such verification, resulting in a violation of my rights as a consumer. Furthermore, this reporting violates 15 U.S.C. 1681e ( b ), which mandates credit reporting agencies to follow reasoned procedures to ensure the maximum possible accuracy of consumer reports. The inaccuracies in reporting this collection account on both my TransUnion and Equifax reports highlight a disregard for these requirements. I have also communicated directly with the debt collector, requesting evidence of this alleged debt. Specifically, I asked for documentation such as the original application bearing my wet signature, supporting the legitimacy of this debt. XXXX XXXX  has failed to provide the requested documentation. This inability to provide proof indicates the reporting of a fictitious account. In light of these significant errors and lack of verification, I am formally demanding the immediate blockage and deletion of this collection account from my credit reports. This action is not just a requestit 's a rightful demand for fairness and accuracy mandated by federal law. I expect confirmation of these changes within the five business days stipulated by the Fair Credit Reporting Act, along with a revised copy of my credit report reflecting these corrections. Thank you for your prompt attention to this urgent matter. Failure to adhere to this demand may result in further legal action, including complaints with appropriate consumer protection agencies, to ensure compliance and protection of my consumer rights. Sincerely,

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 2025-04-20 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: TX

Complaint narrative:
I recently looked at my credit report noticed a number of unauthorized in inquiries on my credit profile. These inquiries consist of the following : Inquiries : XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX OF XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian Inquiries XXXX XXXX XXXX, XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX, XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX CRE XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX VIA XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax Collections Accounts : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Transunion, Experian, Equifax. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Experian, Equifax, Transunion.

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 2025-04-20 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: MI

Complaint narrative:
To Whom It May Concern, I am writing to dispute and seek resolution concerning the closure and/or reporting of my account with XXXX XXXX . This action has negatively impacted my credit report and score. I have not been provided with any notice, documentation, or explanation that substantiates the account closure or any adverse reporting. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I request a full investigation into this matter and correction of any inaccurate or unverifiable information. Additionally, under the Doctrine of Estoppel by Silence, as established in Engelhardt v. Gravens ( Mo. 1926 ), 281 S.W. 715, 719, silence or failure to respond where there exists a duty to do so may constitute an admission. Therefore, in the absence of valid documentation or justification, I must presume that no grounds exist for the closure or negative credit reporting associated with this account.

Company response to consumer: Closed with explanation