vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Dear CFPB, I am submitting a formal complaint regarding XXXX fraudulent accounts that have been reported on my credit file. These accounts were not opened by me, and I have never authorized any transactions associated with them. They are clearly cases of identity theft. 

Despite disputing these accounts directly with the lenders and collection agencies, they have refused to remove the fraudulent entries. 
This is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires that : 1. All information reported to consumer reporting agencies must be accurate and verifiable.

2. Consumer reporting agencies must investigate disputes within 30 days of receiving notice from a consumer regarding inaccurate information.

3. Any information that can not be verified as accurate must be removed from the credit report.

I demand that the CFPB investigate this matter, compel the reporting agencies to remove all fraudulent accounts immediately, and prevent them from further damaging my credit.

I am prepared to provide any supporting documentation required to verify this claim, including police reports or other relevant evidence, upon request.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
I've been getting multiple charges in total of over {$2000.00} by XXXX that aren't mine - I filed a claim with my bank and received a new card and XXXX XXXX transfer and still had charges go through. My bank was able to compensate me for {$1600.00} of it but said the new card that i requested is unable to be claimed because it was on a new card. Which i never received because it was only through XXXX XXXX but I believe XXXX has been hacked or is charging me for these purposefully. I looked through my account but have no receipt info of any of the transactions or history but is listed as XXXX from my bank statements. Please help figure this out. I attached screen shots of my bank statements of transactions that arent mine.

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 monetary relief
Consumer complaint received 2025-09-05 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-05 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:
Dear Credit Bureau Compliance Department, I, XXXX XXXX, am the victim of identity theft. I am writing to formally dispute multiple fraudulent student loan accounts that appear on my credit reports. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair and Accurate Credit Transactions Act, I demand the immediate and permanent deletion of these fraudulent accounts. 

Fraudulent Accounts in Dispute : XXXX multiple fraudulent federal student loan accounts ( see attached FTC Identity Theft Report, Case No. XXXX, and supporting documentation ). 

I have never applied for or authorized these loans. These debts are the result of identity theft, as documented in my official FTC Identity Theft Report dated XX/XX/XXXX. Under 15 U.S.C. 1681c-2 ( a ), you are required to block fraudulent information from my credit file within 4 business days of receiving proof of identity theft.

Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know ( or should know ) is inaccurate. Continued reporting of these accounts constitutes willful noncompliance and subjects both the bureaus and furnishers to liability under 15 U.S.C. 1681n ( willful violations ) and 1681o ( negligent violations ). 

Federal courts have affirmed this obligation. In XXXX v. XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) and XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), the courts made clear that credit bureaus must delete fraudulent or inaccurate accounts when provided with an Identity Theft Report. Merely updating or marking the account disputed is not sufficient when fraud is established. 

My Demands : 1.Permanently delete all XXXX student loan accounts related to this identity theft. 
2.Remove any associated fraudulent credit inquiries ( including XXXX, XXXX, or others ).

3.Provide me with updated copies of my credit reports showing deletion within 30 days, as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Failure to comply will result in me pursuing all legal remedies available, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Ohio Attorney Generals Office, as well as seeking damages in civil court. 

Enclosed are copies of : My FTC Identity Theft Report ( # XXXX ). 
Documentation showing fraudulent XXXX accounts. 
Government-issued ID and proof of residence. 

This letter serves as my formal and final request for deletion. Please investigate, comply with the law, and confirm in writing that the fraudulent accounts have been permanently removed. Respectfully 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 non-monetary relief
Consumer complaint received 2025-09-05 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:
Dear Credit Bureau Compliance Department, I, XXXX XXXX, am the victim of identity theft. I am writing to formally dispute multiple fraudulent student loan accounts that appear on my credit reports. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair and Accurate Credit Transactions Act, I demand the immediate and permanent deletion of these fraudulent accounts. 

Fraudulent Accounts in Dispute : XXXX multiple fraudulent federal student loan accounts ( see attached FTC Identity Theft Report, Case No. XXXX, and supporting documentation ). 

I have never applied for or authorized these loans. These debts are the result of identity theft, as documented in my official FTC Identity Theft Report dated XX/XX/XXXX. Under 15 U.S.C. 1681c-2 ( a ), you are required to block fraudulent information from my credit file within 4 business days of receiving proof of identity theft. 

Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know ( or should know ) is inaccurate. Continued reporting of these accounts constitutes willful noncompliance and subjects both the bureaus and furnishers to liability under 15 U.S.C. 1681n ( willful violations ) and 1681o ( negligent violations ). 

Federal courts have affirmed this obligation. In XXXX v. XXXX XXXXXXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) and XXXX  v. Experian Info. Sols., Inc. , XXXX XXXX XXXX ( XXXX XXXX XXXX ), the courts made clear that credit bureaus must delete fraudulent or inaccurate accounts when provided with an Identity Theft Report. Merely updating or marking the account disputed is not sufficient when fraud is established. 

My Demands : 1.Permanently delete all XXXX student loan accounts related to this identity theft. 
2.Remove any associated fraudulent credit inquiries ( including XXXX, XXXX, or others ).


3.Provide me with updated copies of my credit reports showing deletion within 30 days, as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Failure to comply will result in me pursuing all legal remedies available, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Ohio Attorney Generals Office, as well as seeking damages in civil court. 

Enclosed are copies of : My FTC Identity Theft Report ( # XXXX ). 
Documentation showing fraudulent XXXX accounts. 
Government-issued ID and proof of residence. 

This letter serves as my formal and final request for deletion. Please investigate, comply with the law, and confirm in writing that the fraudulent accounts have been permanently removed. Respectfully 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 2025-09-05 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:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Dear CFPB, I am submitting a formal complaint regarding XXXX fraudulent accounts that have been reported on my credit file with Wells Fargo. These accounts were not opened by me, and I have never authorized any transactions associated with them. They are clearly cases of identity theft. 

Despite disputing these accounts directly with the lenders and collection agencies, they have refused to remove the fraudulent entries.

This is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires that : 1. All information reported to consumer reporting agencies must be accurate and verifiable.

2. Consumer reporting agencies must investigate disputes within 30 days of receiving notice from a consumer regarding inaccurate information.

3. Any information that can not be verified as accurate must be removed from the credit report. 

I demand that the CFPB investigate this matter, compel the reporting agencies to remove all fraudulent accounts immediately, and prevent them from further damaging my credit. 

I am prepared to provide any supporting documentation required to verify this claim, including police reports or other relevant evidence, upon request.

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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Dear CFPB, I am submitting a formal complaint regarding fraudulent accounts that have been reported on my credit file. These accounts were not opened by me, and I have never authorized any transactions associated with them. They are clearly cases of identity theft. 

Despite disputing these accounts directly with the lenders and collection agencies, they have refused to remove the fraudulent entries. 

This is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires that : XXXX. All information reported to consumer reporting agencies must be accurate and verifiable. 
XXXX. Consumer reporting agencies must investigate disputes within XXXX days of receiving notice from a consumer regarding inaccurate information. 
XXXX. Any information that can not be verified as accurate must be removed from the credit report. 

I demand that the CFPB investigate this matter, compel the reporting agencies to remove all fraudulent accounts immediately, and prevent them from further damaging my credit. 

I am prepared to provide any supporting documentation required to verify this claim, including police reports or other relevant evidence, upon request.

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 2025-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-05 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR, XXXX XXXX XXXX Date : XXXXXXXX  To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Formal Dispute & Demand for Immediate Deletion Violations of FCRA 609, 611, 623 & FDCPA 809 ( b ) To Whom It May Concern, This letter serves as a formal dispute and final demand for full validation of the alleged account you are reporting to the credit bureaus. You are hereby notified that any continued reporting, collection, or verification of this account without complete and proper validation constitutes a willful violation of federal law under the FCRA and FDCPA. 
Pursuant to FDCPA 809 ( b ) ( 15 U.S.C. 1692g ) and FCRA 609, 611, and 623, you are required to provide the following : 1. A complete and original signed agreement or contract between myself and the original creditor showing clear proof of obligation.
2. A complete chain of title, including purchase and assignment agreements, proving legal ownership of this alleged debt.

3. A full, detailed, and itemized payment history and accounting ledger including all charges, fees, and interest from inception.

4. Proof of your license and authorization to collect or furnish data in my state.

5. Documentation proving the correct Date of First Delinquency ( DOFD ) reported to the bureaus, as required by FCRA 623 ( a ) ( 5 ).

6. A written explanation supported by documents showing how this information was verified prior to being reported. 
Failure to provide all requested documents within the legally required timeframe will require you to : Cease all collection activity immediately Delete this account from all consumer reporting agencies Refrain from re-reporting unless full compliance with the law is met Be advised that under FCRA 611 ( a ) ( 1 ) ( A ), you are required to conduct a proper investigation and remove unverifiable data. Furthermore, under FCRA 623 ( a ) ( 1 ) ( A ), knowingly furnishing false, incomplete, or unverifiable information is a direct violation of federal law.

If you fail to comply, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office. In addition, I will pursue legal remedies under FCRA 616617 and FDCPA 813 ( 15 U.S.C. 1692k ) for statutory damages, court costs, and attorney fees.

This is not a requestit is a final legal demand. You have been officially notified. 
Sincerely, 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 2025-09-05 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR, XXXX XXXX XXXX Date : XXXXXXXX  To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Formal Dispute & Demand for Immediate Deletion Violations of FCRA 609, 611, 623 & FDCPA 809 ( b ) To Whom It May Concern, This letter serves as a formal dispute and final demand for full validation of the alleged account you are reporting to the credit bureaus. You are hereby notified that any continued reporting, collection, or verification of this account without complete and proper validation constitutes a willful violation of federal law under the FCRA and FDCPA. 
Pursuant to FDCPA 809 ( b ) ( 15 U.S.C. 1692g ) and FCRA 609, 611, and 623, you are required to provide the following : 1. A complete and original signed agreement or contract between myself and the original creditor showing clear proof of obligation.
2. A complete chain of title, including purchase and assignment agreements, proving legal ownership of this alleged debt.

3. A full, detailed, and itemized payment history and accounting ledger including all charges, fees, and interest from inception.

4. Proof of your license and authorization to collect or furnish data in my state.

5. Documentation proving the correct Date of First Delinquency ( DOFD ) reported to the bureaus, as required by FCRA 623 ( a ) ( 5 ).

6. A written explanation supported by documents showing how this information was verified prior to being reported. 
Failure to provide all requested documents within the legally required timeframe will require you to : Cease all collection activity immediately Delete this account from all consumer reporting agencies Refrain from re-reporting unless full compliance with the law is met Be advised that under FCRA 611 ( a ) ( 1 ) ( A ), you are required to conduct a proper investigation and remove unverifiable data. Furthermore, under FCRA 623 ( a ) ( 1 ) ( A ), knowingly furnishing false, incomplete, or unverifiable information is a direct violation of federal law.

If you fail to comply, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office. In addition, I will pursue legal remedies under FCRA 616617 and FDCPA 813 ( 15 U.S.C. 1692k ) for statutory damages, court costs, and attorney fees.

This is not a requestit is a final legal demand. You have been officially notified. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S.

C. 1681c2 ) that you, block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation