vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-03-08 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: MS

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX : Experian, XXXX, or XXXX XXXX Name : XXXX Previous CFPB Complaint # XXXX Previous Complaint Date : XX/XX/XXXX The reason given by the supervisor for not removing your accounts : We don't remove negative items. 

I am submitting this formal complaint regarding [ CREDIT BUREAU ] 's violations of the Fair Credit Reporting Act ( FCRA ), specifically XXXX and XXXX, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On [ Insert Date of Initial Complaint ], I disputed several fraudulent accounts and provided [ CREDIT BUREAU ] with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, [ CREDIT BUREAU ] failed to block the disputed items within the XXXX business days required by XXXX and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating XXXXXXXX XXXX mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the XXXX XXXX bulletin underscores [ CREDIT BUREAU ] 's failure to uphold consumer protections under the FCRA. 
atter fairly and expeditiously, I request that [ CREDIT BUREAU ] take the following actions : block the fraudulent items from my credit report as mandated by FCRA XXXX ; conduct a comprehensive reinvestigation of all disputed accounts in accordance with FCRA XXXX ; provide detailed documentation of the verification process, including the identity of all furnishers or XXXX-party

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 2025-03-08 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: TX

Complaint narrative:
I am reaching out to follow up on my earlier request for an investigation into the errors on my credit report, which I first submitted in XX/XX/XXXX. To date, I have not received any response from your office, and the inaccurate information is still present on my report, negatively impacting my credit. This lack of action is both troubling and unacceptable. 

For your reference, this is the account that I am referring to XXXX XXXX XXXX XXXX Balance : {$5100.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance : {$11000.00} Date Opened : XX/XX/XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$540.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$220.00} Date Opened : XX/XX/XXXX Please remove all of the inaccurate accounts listed above. 

I respectfully urge TRANSUNION to resolve this matter without further delay. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to investigate disputes within XXXX  days of receiving a formal request. However, it has now been more than [ number of days since the initial request ] days, and I have yet to receive any resolution, confirmation of an investigation, or an update on this issue. The ongoing presence of this incorrect information has significantly harmed my creditworthiness, leading to credit denials, higher interest rates, and emotional distress. This prolonged delay raises serious concerns about the reliability and efficiency of the process.

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 2025-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
15 USC 1692CC if a consumer nofiy a collector that he or she owe a debt the consumer have to pre fide a sign documentation showing proof the debt belong to him or her.the day of the process the consumer have up to XXXX  days to respond

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I recived a letter from the XXXX stating an amendment to my XXXX  tax return. The letter stated that I had received a payment cards totaling XXXX dollars and that I failed to report this to the XXXX. The XXXX  is wanting XXXX dollars in back taxes. I have contacted XXXX XXXX Block Inc and they keep saying they can not comminicate any way other than email. I have opened a case with them ( XXXX ) anf have gotten no where. When I call, the XXXX number says I dont have an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Yet they have not Did not provide me any reference to how they verified my account when I asked them how was my account verified all they would tell me is they verified it they verified it they verified it it was getting very annoying and now I'm being affected by this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: MS

Complaint narrative:
I have been trying to remove multiple fraudulent accounts off my credit report since XX/XX/scrub> 2023 and I have made multiple police reports and ftc reports and they have not removed are blocked the information yet I have provided my documents verify my identity and still the fraudulent accounts are still on my report Transunion didn't do anything about these fraudulent accounts and refused to remove them they are fraudulent as stated in my ftc report and by law they are to 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 non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am wanting to have these hard inquiries removed because I did not authorize these companies to run my credit this is fraudulent. 


XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-08 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: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX EQUIFAX XXXX XXXX XXXX XXXX GA XXXX Subject : Formal Dispute of Fraudulent Information Under 15 U.S.C. 1681c-2 Dear EQUIFAX, I am writing to formally dispute fraudulent information appearing on my credit report and to request its immediate removal under the provisions of 15 U.S.C. 1681c-2. Enclosed with this letter is a copy of my police report and/or FTC identity theft report ( FTC Report Number : XXXX ) as supporting documentation for my claim. 
According to 15 U.S.C. 1681c-2, credit reporting agencies are required to delete information resulting from identity theft within four business days of receiving proper notice and documentation from the consumer. The following account ( s ) appearing on my credit report are fraudulent, were opened without my consent, and must be permanently removed immediately : Fraudulent Account ( s ) to Be Removed : Account Name : [ XXXX XXXX ] ... ... ... ... ... ... ... ... ... Account Number : [ XXXX ] Account Name : [ XXXX XXXX XXXX ] ... ... ... ... ... ... ... .. Account Number : [ XXXX ] This fraudulent account is severely damaging my credit history and does not reflect any of my legitimate f inancial activities. Therefore, I formally request the following actions to be taken promptly : 1. Immediately delete the fraudulent account ( s ) from my credit report.

2. Provide written confirmation that the account ( s ) have been removed.

3. Issue an updated copy of my credit report reflecting the corrections.

4. Do not place a fraud alert on my credit report.

As per federal law, you are obligated to comply with this request within the mandated timeframe. Please confirm receipt of this dispute and provide written confirmation once the fraudulent information has been removed.

If you require any further information to process this request, please contact me in writing at the address listed below. I appreciate your prompt attention to this serious matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: SC

Complaint narrative:
Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

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 2025-03-08 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: NY

Complaint narrative:
I am filing this CFPB complaint to report 5 separate fraudulent accounts appearing on my consumer credit report which I do not recognize as reported and which are the result of identity theft and fraud.

These fraudulent accounts include : 1. A personal credit card account opened at XXXX XXXX on XX/XX/scrub> 2024 under the account number ( XXXX ). 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports 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 2025-03-08 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B 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 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am writing to formally request the removal of the collection account associated with my name, [ Your Name ], and account number [ Account Number ], which is currently being reported on my credit file. 

I believe this account has been reported in error due to [ briefly explain reason, e.g., " a payment that was made on time, '' " identity theft, '' or " an account that was settled '' ]. I have attached relevant documentation to support my claim. 

According to the Fair Debt Collection Practices Act, I request that you cease any further collection attempts and remove this account from my records within seven ( 7 ) days of receiving this notice. 

Please confirm in writing that this account has been removed from your records and that you have notified the credit bureaus accordingly. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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 the following inaccuracies on my credit report, pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Upon review, I have identified the following erroneous items : Billing Error ( Violation of 15 U.S.C. 1666b ) XXXX XXXX XXXX  Account Number : XXXX Request : Please remove this inaccurate information from my credit report immediately. 

I hereby request that you conduct a full and complete investigation of the above-referenced items and remove them from my credit report if they are found to be inaccurate, incomplete, or unverifiable, as required under 15 U.S.C. 1681i. Furthermore, as stipulated by 15 U.S.C. 1681i ( a ), I expect the investigation to be completed within 30 days of receipt of this dispute. 

Additionally, I request that you send me an updated copy of my credit report following your findings, free of charge, as mandated by the Fair Credit Reporting Act. Should any of these items be removed, I ask that you notify any third parties who have received my credit report in the past six months of these corrections. 


Thank you for your immediate 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 explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the following inaccuracies on my credit report, pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Upon review, I have identified the following erroneous items : Billing Error ( Violation of 15 U.S.C. 1666b ) XXXX XXXX XXXX  Account Number : XXXX Request : Please remove this inaccurate information from my credit report immediately. 

I hereby request that you conduct a full and complete investigation of the above-referenced items and remove them from my credit report if they are found to be inaccurate, incomplete, or unverifiable, as required under 15 U.S.C. 1681i. Furthermore, as stipulated by 15 U.S.C. 1681i ( a ), I expect the investigation to be completed within 30 days of receipt of this dispute. 

Additionally, I request that you send me an updated copy of my credit report following your findings, free of charge, as mandated by the Fair Credit Reporting Act. Should any of these items be removed, I ask that you notify any third parties who have received my credit report in the past six months of these corrections. 


Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2200.00}, XXXX  XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$770.00}, XXXX XXXXXXXX Account # : XXXX XXXX opened XX/XX/XXXX bal. {$750.00}, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$340.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$310.00}, XXXX XXXX # : XXXX date opened XX/XX/XXXX bal. {$210.00}. Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: CA

Complaint narrative:
I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.

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