vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: CA

Complaint narrative:
I am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are fraudulent accounts and/or inquiries on my credit report that I did not authorize or open. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be investigated, verified, and removed immediately. 



Details of the Dispute : I am disputing the following information that appears on my credit report, which I believe to be the result of identity theft : Creditor Name : XXXX XXXX  XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Charged Off {$1000.00} written off and past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Last Payment Date : XX/XX/XXXX ( not authorized ) Balance : {$1000.00} Credit Limit : {$700.00} Credit Usage : 149 % Balance Last Updated : XX/XX/XXXX Responsibility : Individual These accounts and inquiries are not mine, and I have not given anyone permission to open or use these accounts on my behalf. The XXXX XXXX account was fraudulently opened using my Social Security number and personal information without my knowledge or consent. 



Formal Request for Investigation and Debt Verification : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that the credit reporting agencies immediately block and delete this fraudulent item from my report.

In addition, under FCRA 611 ( 15 U.S.C. 1681i ), I am formally requesting debt verification. I expect the credit bureaus and furnishers to provide documented proof that I authorized this account. If they can not verify the debt with valid evidence such as a signed contract or agreement the account must be permanently removed from my credit file. 



Compensation for False Verification : As stated in FCRA 616 ( 15 U.S.C. 1681n ), if any account is falsely verified as valid despite my identity theft claim, I am entitled to statutory damages of {$1000.00} per violation. 



Supporting Documentation : I have included the following documents to support my claim : A copy of my identity theft report ( police report, FTC Identity Theft Affidavit, etc. ) A copy of my government-issued ID Proof of my current address ( utility bill, bank statement, etc. ) Requested Actions : 1. Immediate blocking and removal of all fraudulent accounts and inquiries 2. Debt verification for all disputed accounts 3. Written confirmation that the fraudulent items have been deleted from my report 4. Proof that the furnishers of these accounts have been notified and instructed to cease reporting any unverifiable information 5. An updated copy of my credit report reflecting these corrections I expect confirmation in writing that my request has been processed in accordance with the FCRA. Please be advised that failure to comply may result in further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: IL

Complaint narrative:
I am a victim of XXXX  XXXX and ongoing financial abuse. During my relationship, my abuser coerced me into opening accounts and mismanaged them without my consent. Some accounts may have been opened or used in my name under pressure, without my full understanding, or in ways I could not control due to threats, manipulation, or fear for my safety. 

I am currently living in a XXXX  XXXX XXXX  and have no income. I am working with case managers and legal advocates to recover and rebuild my life, but these accounts are severely impacting my ability to secure stable housing and employment. 

I respectfully request the removal of these accounts from my credit report, as they were incurred due to financial abuse. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report, and as a victim of XXXX  XXXX, I am entitled to protections under Section 605A of the FCRA, which prohibits the reporting of certain information that could be harmful to survivors of XXXX  XXXX. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I am protected from abusive debt collection practices, which I have experienced as a result of this financial abuse. 

I am willing to provide documentation from my shelter or advocate confirming my status as a XXXX  XXXX survivor and request the immediate removal of the accounts linked to this period of abuse. 

Please consider my situation under the Violence Against Women Act ( VAWA ), which offers financial protections to victims of XXXX  XXXX, including the removal of harmful financial information related to the abuse.

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 2025-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because TransUnion failed to remove XXXX inaccurate accounts from my credit report, despite my submission of clear, documented evidence proving the accounts are not mine. 

The accounts are : XXXX XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX account XXXX in XXXX I disputed both accounts with TransUnion and submitted : Verified results from XXXX  investigation XXXX which found the accounts to be inaccurate and removed them from my XXXX credit XXXX XXXX separate, valid forms of government-issued identification showing the name and information associated with the disputed accounts do not match my own Despite this, TransUnion closed the disputes without removing the accounts. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires that credit bureaus conduct reasonable investigations and correct or delete inaccurate information. 

In addition, under FCRA Section XXXX ( b ) ( XXXX ) ( D ), data furnishers are legally required to report corrections or deletions of inaccurate information to all consumer reporting agencies to which they originally furnished the data. Since XXXX removed these accounts as inaccurate, the furnishers involved ( XXXX  XXXX XXXX and XXXX XXXX XXXX ) had a legal duty to inform TransUnion and ensure their removal. 

I am requesting the CFPB investigate XXXX failure to act on this evidence and ensure the removal of both inaccurate accounts. 

I have attached the following : XXXX investigation results My identification documents My current TransUnion report showing these accounts are still listed Thank you for your attention to this matter.

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 2025-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See attachment. The dispute concerns inaccurate information on my credit report. I have also included a Method of Verification ( MOV ) request and a Notice of Default and Demand for Correction. This filing is to document my efforts and ensure accountability in case they fails to comply with its legal obligations under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ) and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kashable LLC
State: TX

Complaint narrative:
I am filing a formal complaint against Kashable LLC for reporting inaccurate and conflicting credit information to XXXX. Although this account is marked as Paid as agreed and Closed, Kashable continues to report XXXX day late payments in the final months of the account. 

This is a direct contradiction under the Fair Credit Reporting Act ( FCRA XXXX ), which requires information furnished to credit bureaus to be accurate, consistent, and not misleading. A paid and closed account in good standing should not reflect severe delinquencies. 

Additionally, the terms of my loan were bi-weekly payments, yet the payment history appears to have been reported as if on a monthly scheduleanother potential misreporting that resulted in false late payment marks. 

I have not been provided with proof from Kashable that supports the accuracy of these lates, and I am requesting the immediate removal of all late payments and/or deletion of the tradeline unless full verification ( not just automated system responses ) can be provided. 

These late marks are unjustly harming my credit and ability to secure fair financing, and I am prepared to escalate further if needed under FCRA XXXX for willful noncompliance and damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: LA

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year>XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: LA

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year>XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXX/XX/year>

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 2025-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: NC

Complaint narrative:
I've distributed these allegations with these bureaus on several occasions through XXXX XXXX it was said that they where removed so I checked at that time it was saying I owed XXXX dollars so after several times of disputing I checked XXXX XXXX everything was removed except XXXX things and it was showing I owed XXXX dollars a year later which is now I signed up with XXXX and my report is showing everything that XXXX XXXX was a legending plus the XXXX dollars and was wondering how could that be so I'm asking could you all check into this for me with the bureaus to find out what's going I only have XXXX things on my report that I owe, XXXX to XXXX XXXX XXXX XXXX and XXXX to XXXX XXXX XXXX XXXX everything else should be removed without showing some type of proof it belongs to me, thanks sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by XXXX as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section XXXX and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA XXXX XXXX, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: DC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-04-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I made a payment on a loan I have with Affirm. The loan number is XXXX and the purchase amount is {$350.00}. On XX/XX/year>, I paid them {$100.00} from my XXXX account. This XXXX XXXX  account reflects that the payment of {$100.00} posted and cleared from my checking account. I call Affirm at XXXX ( XXXX ) XXXX - XXXX and spoke with a customer service agent who stated, " I'm sorry we can not do anything for you. You need to contact your bank. You did not make the payment because our screen is not reflecting it. '' However, I contacted XXXX Banking services who did confirm the payment of {$100.00} was made, debited, and posted from my checking account. 

My complaint is against Affirm. Their mistake is an act of poor bookkeeping and a financial error. Also, their banking institution which is XXXX XXXX should've handled this situation carefully and thoroughly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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 have submitted disputes to you and i didnt get response within XXXX  days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i have submitted disputes to you and i didnt get response within XXXX  days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: DC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: LA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Balance : {$15000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$15000.00} XXXXXXXX XXXX XXXX Balance : {$15000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Balance : {$15000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$15000.00} XXXXXXXX XXXX XXXX Balance : {$15000.00}

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a formal complaint against XXXX XXXX for reporting inaccurate and conflicting credit information to TransUnion. Although this account is marked as Paid as agreed and Closed, XXXX continues to report XXXX day late payments in the final months of the account. 

This is a direct contradiction under the Fair Credit Reporting Act ( FCRA XXXX ), which requires information furnished to credit bureaus to be accurate, consistent, and not misleading. A paid and closed account in good standing should not reflect severe delinquencies. 

Additionally, the terms of my loan were bi-weekly payments, yet the payment history appears to have been reported as if on a monthly scheduleanother potential misreporting that resulted in false late payment marks. 

I have not been provided with proof from XXXX that supports the accuracy of these lates, and I am requesting the immediate removal of all late payments and/or deletion of the tradeline unless full verification ( not just automated system responses ) can be provided. 

These late marks are unjustly harming my credit and ability to secure fair financing, and I am prepared to escalate further if needed under FCRA XXXX for willful noncompliance and damages.

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