vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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: AZ

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-05-02 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 filing this complaint because multiple unauthorized accounts are being reported on my credit file without my knowledge, consent, or legal authorization, which constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b and 1681i.

I have never given written permission to the furnishers of these accounts to report my personal non-public information to the credit reporting agencies. There was no disclosure, no opt-in, and no valid or permissible purpose under the law to allow this reporting. This is an intrusion into my financial privacy and a misrepresentation of my creditworthiness. 

Despite having disputed these accounts directly with the credit bureaus and providing a valid FTC Identity Theft Report ( FTC Report Number : XXXX ), the following accounts remain on my file : XXXX XXXX XXXX Account Number : XXXX These accounts are being reported without proper authorization and remain on my report even after the bureaus were notified of the FCRA violations. They have failed to verify the legitimacy of the information or remove it as required by law.

Furthermore, under 15 U.S.C. 1681c-2, the credit bureaus are obligated to block any information identified as the result of identity theft within four business days of receiving a valid identity theft report. They have not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXXwo Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX  Balance : {$1100.00} Open Date XX/XX/XXXX XXXX  XXXX BANK XXXX XXXX : {$670.00} Open Date XX/XX/XXXX XXXX  XXXX BANK XXXX XXXX : {$570.00} Open Date XX/XX/XXXX XXXX  XXXX BANK XXXX XXXX : {$500.00} Open Date XX/XX/XXXX XXXX XXXX BANK XXXX XXXX : {$470.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX FIN Date XXXX XXXX, XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXXA Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX 2023

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 2025-05-02 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: OK

Complaint narrative:
I am writing to formally report identity theft involving fraudulent activities and unauthorized accounts that have been inaccurately reported on my credit reports. The following accounts were fraudulently opened in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a Repossession Account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Accounts at XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, a Collection Account at XXXX ( XX/XX/XXXX ), and a Collection Account at XXXX XXXXXXXX XXXX XXXX XXXX XXXX. These unauthorized accounts have resulted in multiple fraudulent hard inquiries and unlawful collection activities, causing significant harm to my credit. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I demand the immediate removal of all fraudulent accounts and related inquiries from my credit reports with Equifax, Experian, and TransUnion, and that all collection activities tied to these accounts cease immediately. Enclosed are my FTC Identity Theft Affidavit and proof of identity to support this claim ; I urge prompt resolution and written confirmation once these fraudulent entries have been removed.All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: OK

Complaint narrative:
I am writing to formally report identity theft involving fraudulent activities and unauthorized accounts that have been inaccurately reported on my credit reports. The following accounts were fraudulently opened in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a Repossession Account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Accounts at XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, a Collection Account at XXXX ( XX/XX/XXXX ), and a Collection Account at XXXX XXXXXXXX XXXX XXXX XXXX XXXX. These unauthorized accounts have resulted in multiple fraudulent hard inquiries and unlawful collection activities, causing significant harm to my credit. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I demand the immediate removal of all fraudulent accounts and related inquiries from my credit reports with Equifax, Experian, and TransUnion, and that all collection activities tied to these accounts cease immediately. Enclosed are my FTC Identity Theft Affidavit and proof of identity to support this claim ; I urge prompt resolution and written confirmation once these fraudulent entries have been removed.All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA 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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am a victim of identity theft. There are XXXX fraudulent accounts appearing on my credit report that I did not open or authorize. These accounts are the result of the XXXX Equifax data breach and do not belong to me. 

I have submitted disputes to the credit reporting agency ( XXXX/Equifax/TransUnion ) and provided identification and documentation, including an identity theft affidavit. Despite this, the accounts have not been removed. 

Under the Fair Credit Reporting Act, 15 U.S. Code 1681c-2, the credit bureaus are required to block and permanently delete any information resulting from identity theft once proper documentation has been submitted. I am requesting immediate removal of these accounts from my credit file. 

The negative accounts are : XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-03 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: MI

Complaint narrative:
My name is wrong and listed XXXX  times on my credit report, It was not corrected like it was supposed to be I only have XXXX name.My Address is listed XXXX different places I only have XXXX address.I need an investigation done on my charge offs I believe that something is not right, and also my updated month to month report is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: MI

Complaint narrative:
My name is wrong and listed XXXX  times on my credit report, It was not corrected like it was supposed to be I only have XXXX name.My Address is listed XXXX different places I only have XXXX address.I need an investigation done on my charge offs I believe that something is not right, and also my updated month to month report is not right.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom it May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax Data breach, which exposed my sensitive Data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach.

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 2025-05-02 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:
To Whom it May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax Data breach, which exposed my sensitive Data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach.

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 2025-05-03 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: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX Balance {$8700.00} XXXXXXXX XXXX XXXXXXXX Balance {$240.00} XXXX XXXXXXXX Balance : {$13000.00}

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 2025-05-02 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: NJ

Complaint narrative:
I am filing this formal complaint against Equifax and Experian for willfully and negligently reporting a fraudulent collection account from XXXX XXXX XXXX XXXX that does not belong to me. This account is being falsely associated with my credit profile, despite the fact that the Social Security number connected to the account does not match mine. I have never resided at the associated rental property, have no knowledge of this debt, and no contractual relationship with XXXX XXXX XXXX XXXX whatsoever. 

This is not only an egregious reporting error it is a direct violation of multiple federal consumer protection laws, including but not limited to : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq.

1681e ( b ) Requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. Reporting an account tied to a Social Security number that is not mine is a clear violation of this statute.

1681i ( a ) Entitles consumers to a timely reinvestigation of disputed information. I demand that this item be immediately and permanently removed, as it is inaccurate and unverifiable. 
XXXX ( b ) Furnishers of information ( such as XXXX XXXX XXXXXXXX XXXX XXXX are required to investigate disputes and correct inaccuracies. Continuing to report this account after notification constitutes willful noncompliance.

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et seq. 
If XXXX XXXX XXXX XXXX has attempted to collect on this debt or report it knowing it is tied to the wrong person, this could constitute false representation of a debt, a violation of 1692e ( 2 ) ( A ) and 1692e ( 8 ) communicating false credit information, including failing to communicate that a debt is disputed. 
3. Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5531 The continued reporting of this false account may amount to an unfair, deceptive, or abusive act or practice ( UDAAP ) under this statute.

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 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
At XXXX XXXX  I received a text that a XXXX XXXX XXXX XXXX XXXX card was recently opened. It requested that I reply with 1 FOR yes AND 2 FOR no. after reading this message opted to press # 2 since I had not requested to open said card. I then received another message stating that this XXXX XXXX XXXX XXXX XXXX card had been blocked. 

I then received a phone call from CITI representative wanting my bio information. I suspected that this call might be a part of the fraud scheme and was advised to call the number on the back of my XXXX CITI card. I called the number behind the CITI card and spoke to a CITI representative who then referred me to fraud department. I spoke to a person named " XXXX '' who in turn referred me to this website.

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 2025-05-03 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 filing a complaint under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 and 1681i. A collection account on my credit report is inaccurate, and after I disputed it, the reporting party failed to properly investigate or correct the error. This is affecting my creditworthiness and violates my rights under federal law. '' 15 U.S.C. 1681i If you dispute an account, the credit reporting agency must investigate within 30 days and correct or delete inaccurate info.

15 U.S.C. 1681s-2 ( a ) Debt collectors must report accurate information. If a collector reports false or outdated info ( e.g., a paid collection still showing as unpaid ), it may violate this section.

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 2025-05-02 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company 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 2025-05-03 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with XXXX XXXXB of the Fair Credit Reporting Act.

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 2025-05-02 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX, I mailed a formal dispute letter to Equifax via certified mail regarding multiple inaccurate, unverifiable, and potentially re-aged accounts on my credit report. According to Equifaxs own system, the reinvestigation was completed on XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( 6 ) ( A ), Equifax is required to notify the consumer of the results within five business days of completion no later than XX/XX/XXXX. 

Despite monitoring XXXX XXXX XXXX daily between XX/XX/XXXX and XX/XX/XXXX, no dispute results were sent or scanned for delivery during the required timeframe. I did not receive any response from Equifax untilXX/XX/XXXX, after I had already mailed a final demand letter citing their FCRA violations. 

XXXX response was both untimely and incomplete. They only deleted one account ( Extra ), while all others were marked verified despite containing inaccurate, unverifiable, or re-aged information. This raises concerns that the reinvestigation was not conducted properly or lawfully. The failure to notify me within the statutory timeframe is a clear violation of FCRA, and the continued reporting of erroneous data further damages my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

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

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