vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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 continued reporting raises multiple of violations : A. Late Payments : Violating 15 U.S.C. 1681a ( 2Xi ) and related provisions.

B. Permissible Purpose Requirements : Violating 15 U.S.C. 1681b.

C. Furnisher Responsibilities : Violating 15 U.S.C. 1681 ( s ) -2.

D. Accuracy Standards : Violating 15 U.S.C. 1681e ( b ) and 1681i ( 5 ) ( a ).

E. Verification Requirements : Violating 15 U.S.C. 1681i ( 7 ).

I write as a documented Texas victim of identity theft arising from the Equifax, XXXX  and XXXX  data breaches and my SSN was used as a personal gain. The accounts were reported as a result of identity theft, and the placement of this materially false information violates my rights. Your agency continues to furnish and report fraud. Due to the inaccuracy of false information on my reports, I will be seeking legal advice, if this issue is not handled legally I have never given permission for this information and it is fraudulent. 

1 ) XXXX XXXX XXXX Account No. XXXXFraud Begun : XXXX XXXX/Bal. {$14000.00} 2 ) XXXX  CARD/ Account No. XXXX/Fraud Begun : XXXX XXXX. {$12000.00} XXXX ) DOE/XXXX/ Account No. XXXXFraud Begun : XXXX XXXX/Bal. {$8900.00} 4 ) DOE/XXXX/ Account No. XXXXFraud Begun : XXXX XXXX/Bal. {$8500.00} 5 ) DOEXXXX Account No. XXXXFraud Begun : XXXX XXXX/Bal. {$8500.00} 6 ) XXXX CARD/ Account No. XXXX/Fraud Begun : XXXX XXXX. {$8300.00} 7 ) DOEXXXX Account No. XXXXFraud Begun : XXXX XXXXBal. {$5200.00} I further assert and your agency has failed to provide a meaningful resolution in accordance with my rights. I am also complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report, in direct violation of the Fair Credit Reporting Act. I have discovered that the fraudulent accounts had been opened in my name without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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 submitting this formal dispute regarding the following accounts and inquiries that appear to be inaccurately reported on my credit file with TransUnion. I believe these items do not comply with the requirements under the Fair Credit Reporting Act ( FCRA ), and I am requesting an immediate investigation. 

Charged Off Accounts : XXXX : Account number XXXX, opened on XX/XX/XXXX, balance of {$340.00}. This account has errors and should be reviewed and corrected. 

XXXX XXXX : Account number XXXX, opened on XX/XX/XXXX, balance of {$210.00}. This account is inaccurately listed and should be corrected or removed. 

XXXX  : Account number XXXX, opened on XX/XX/XXXX, balance of {$410.00}. This account appears to be reported incorrectly. 

XXXX  : Account number XXXX, opened on XX/XX/XXXX, balance of {$3400.00}. This accounts reporting is not in line with the correct information. 

XXXX XXXX : Account number XXXX, opened on XX/XX/XXXX, balance of {$120.00}. I request that this account be reviewed as it does not match the correct data. 

XXXX : Account number XXXX, opened on XX/XX/XXXX, balance of {$3900.00}. The information reported for this account is inaccurate and requires correction. 

XXXX  : Account number XXXX, opened on XX/XX/XXXX, balance of {$1000.00}. I

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 2025-11-14 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: FL

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported.

I have made multiple attempts to contact EQUIFAX to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported.

I have made multiple attempts to contact EQUIFAX to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
On XX/XX/year> I requested the method of verification used for the public record ( bankruptcy ) that is being reported on my credit report. I was instead told that the dispute was frivolous. No method of verification was as ever provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> I opened my mail box and received a letter from Kohl 's / Capital One that included a physical and real credit card with my name on it. An active account number was listed on the letter and it stated my credit limit was {$1000.00}. I did not open a credit card with this company. I have not walked inside of a Kohl 's in over a year and have never used Capital One as a bank or credit card company for my personal or business use. I called the number that was listed on the piece of mail that eld me to the Kohl 's credit Card department ( XXXX ) XXXX and eventually reached a representative. I gave them the card number I had received and was then asked to provide my social security number which I refused to give because I did not open the card myself. Eventually I researched the phone number I was calling and confirmed that I was speaking to an official Kohl 's representative and that my information was in fact safe if shared and I did provide my last 4 digits of my social security number. I was mortified to find out that the numbers matched. Which means that my SS has absolutely been compromised, as well as my home address and any other information that was obtained. Since they were now able to open the account, I asked what charges were made and what store they were made at. They revealed that there was a {$930.00} charge on a newly opened credit card on XX/XX/year> at a Kohl 's location in XXXX XXXX, CA. I do not live in XXXX XXXX XXXX and do not visit XXXX XXXX ever. It is XXXX miles away from where I live and work. I was able to file a claim for fraud on the card and close the card account as well. But with this information, I am certain my personal information has been compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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 submitting this statement in connection with an identity theft incident that has affected my personal credit and financial records. I, XXXX XXXX, did not authorize or open the fraudulent accounts that have appeared on my credit report. I became aware of this issue after reviewing my credit file and noticing accounts, inquiries, and/or collections that I did not recognize or approve.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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 submitting this statement in connection with an identity theft incident that has affected my personal credit and financial records. I, XXXX XXXX, did not authorize or open the fraudulent accounts that have appeared on my credit report. I became aware of this issue after reviewing my credit file and noticing accounts, inquiries, and/or collections that I did not recognize or approve.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be frozen : XXXX XXXX XXXXXXXXXXXX XXXX XXXX  Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. 
I have contacted TRANSUNION multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

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 2025-11-14 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: CA

Complaint narrative:
I am filing this complaint because Equifax failed to conduct a reasonable investigation regarding the accuracy and verifiability of the XXXX XXXX collection account. The resolution provided by Equifax ( changing the account status to " Closed '' ) is insufficient and does not fix the error as required by the Fair Credit Reporting Act ( FCRA ). 
My initial dispute demanded the complete deletion of the XXXX XXXX account because the debt collector could not provide the full Chain of Title and proper debt validation ( 15 U.S.C. 1681i ). 
EVIDENCE OF FCRA VIOLATION : The same XXXX XXXX account has been COMPLETELY DELETED from my XXXX  credit report following a similar dispute. 
XXXX  's decision proves that the account data is inaccurate and legally unverifiable. 
Equifax 's failure to also delete the account, despite this evidence, demonstrates an inadequate investigation and a violation of the FCRA 's mandate for maximum possible accuracy. 
I demand the immediate and permanent deletion of the XXXX XXXX  account Account Number : XXXX XXXX from my Equifax credit report. Equifax must comply with the FCRA and delete any item that can not be verified with complete and accurate supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: TX

Complaint narrative:
Review the provided materials ; the questions came without prior warning and might be unapproved.

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 2025-11-14 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: MO

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: NV

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: MN

Complaint narrative:
I am submitting this dispute regarding the following items on my TransUnion credit report. These items, including charged-off accounts, inquiries, and late payments, need to be reviewed for accuracy and corrected : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$870.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} DPT EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX CARD Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Inquiries : XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX Late Payments : XXXX Account Number : 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 2025-11-14 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Transunion XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX. XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 U.S.C. 1681c-2 ( a ) To Whom It May Concern, I am writing to formally notify you that I am a victim of identity theft and to request the immediate blocking and deletion of all fraudulent Accounts and related information on my credit report, pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ).

I recently became aware of several unauthorized Accounts that were opened in my name without my knowledge or consent. These accounts are the result of a data breach and identity theft, and I have never had any business relationship or transactions with the entities in question.

Under 15 U.S.C. 1681c-2 ( a ), I hereby request that Transunion block and remove from my credit report all information that I identify as the result of identity theft. The Accounts I am disputing are as follows : 1 fst premier Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX Please investigate this matter and confirm in writing that the fraudulent Accounts have been blocked and permanently removed from my credit file. If any additional information or documentation is needed, do not hesitate to contact me using the information provided above. 
Thank you for your prompt attention to this serious matter. 
Sincerely, 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 2025-11-14 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: GA

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