vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: MA

Complaint narrative:
I am writing to file a formal complaint and request immediate action regarding the continued reporting of a negative account that has been fully paid and resolved, but remains on my credit reportdamaging my credit score and exposing private personal information. 

Account Details : Creditor Name : XXXX XXXX Account Number : XXXX Current Status : Paid in Full This negative tradeline is being reported despite the fact that the balance has been fully satisfied. The continued presence of this account misrepresents my current financial responsibility, which violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. According to the FCRA, information must be accurate, complete, and not misleading. Reporting a derogatory status on an account that has been settled in full is not only inaccurateit is deceptive and unlawful.

Furthermore, I believe my right to privacy under FCRA 604 and the Gramm-Leach-Bliley Act ( GLBA ) has been violated. The disclosure of outdated and unnecessary private financial data to third parties through credit reportingwhen the account is no longer delinquentconstitutes an unjust invasion of my personal financial history and has caused emotional and financial harm, including lower credit scores and denial of opportunities. 

I am requesting the immediate removal of this account from my credit report with all major credit reporting agencies ( Experian ). I demand an investigation under FCRA 611, and expect confirmation once this account has been removed and my credit report updated accordingly.

If documentation is required, I am prepared to provide proof of payment and resolution of this account.

Failure to correct this issue may result in further legal action, including complaints to the Federal Trade Commission ( FTC ) and potential civil action under FCRA 616 & 617, which allow for actual and punitive damages due to willful or negligent noncompliance. 

I respectfully urge your office to act swiftly to ensure this inaccurate and harmful information is permanently removed from my credit profile. 

Thank you for your immediate attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Request to Cease Reporting Inaccurate Debt CFPB Complaint Notice To Whom It May Concern, This letter serves as a formal dispute and demand to cease reporting of a negative item you have placed on my credit report. This inaccurate and unverified debt has significantly harmed my credit standing and is directly impacting my ability to obtain housing for myself and my family. 

You are currently reporting a debt to the credit bureaus without having provided any prior notice, validation, or consent, which is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( a ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2.

According to 15 U.S.C. 1692g ( a ), a debt collector is required to provide a consumer with a written notice of the debt within XXXX days of the initial communication. No such notice was ever provided to me. Further, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher of information to a consumer reporting agency must not report any information relating to a consumer that is knownor has reasonable cause to believeis inaccurate. 

In addition to these statutory violations, your failure to provide me with proper notice and opportunity to dispute the debt violates established case law, including : Clark v. Capital Credit & Collection Services , Inc., 460 F.3d 1162 ( 9th Cir. 2006 ) emphasizing the requirement that debt collectors follow the procedural mandates of the FDCPA.

Spears v. Brennan, 745 N.E.2d 862 ( Ind. Ct. App. 2001 ) which held that a collector must stop collection efforts when a debt is disputed and can not continue to report the debt without verification.

You have also failed to provide proof that I have any legal obligation to this alleged debt. Without proper validation and my express consent, the reporting of this item is unlawful, deceptive, and constitutes willful noncompliance under 15 U.S.C. 1681n, which may entitle me to actual damages, punitive damages, costs, and attorney fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Date of Birth : XX/XX/XXXX. XXXX : XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Under 15 USC 1681c-2 ( a ) To Whom it May Concern, I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries associated with my credit report, as I am a victim of identity theft resulting from the XXXX  Data Breach . Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have any fraudulent information blocked from my credit report. 

XXXX Bank Delaware - Opened on XX/XX/XXXX - Balance {$5900.00} Capital XXXX - Opened on XX/XX/XXXX - Balance {$3500.00} XXXX - Opened on XX/XX/XXXX - Balance N/A XXXX XXXX - Opened on XX/XX/XXXX - Balance N/A XXXX  - Opened XX/XX/XXXX - Balance N/A XXXX XXXX DC XXXX Opened XX/XX/XXXX - Balance {$1900.00} XXXX Credit XXXX XXXX XXXX XX/XX/XXXX XXXX Balance {$3100.00} XXXX  - Opened XX/XX/XXXX XXXX XXXX XXXX Please consider this letter my official notification. I request that you take the following actions immediately : 1. Block and delete any accounts, inquiries, or other information that were established or recorded as a result of identity theft.

2. Provide written confirmation that these fraudulent items have been blocked and deleted.

3. Ensure my credit report accurately reflects only legitimate accounts and inquiries. 

Enclosed are the following documents to support my request : A copy of my government-issued ID ( e.g., drivers license ). 
Proof of address ( e.g., utility bill ). 
A signed affidavit of identity theft ( if required ) - And my XXXX XXXX. 

As required by law, I expect these fraudulent items to be blocked within XXXX business days of your receipt of this request, as outlined in 15 USC 1681c-2 ( a ) ( 2 ).

I trust that this matter will handle promptly and in compliance with federal law. 

Thank you for your immediate attention to this urgent matter. 


XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Date of Birth : XX/XX/XXXX. XXXX : XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Under 15 USC 1681c-2 ( a ) To Whom it May Concern, I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries associated with my credit report, as I am a victim of identity theft resulting from the XXXX  Data Breach . Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have any fraudulent information blocked from my credit report. 

XXXX Bank Delaware - Opened on XX/XX/XXXX - Balance {$5900.00} Capital XXXX - Opened on XX/XX/XXXX - Balance {$3500.00} XXXX - Opened on XX/XX/XXXX - Balance N/A XXXX XXXX - Opened on XX/XX/XXXX - Balance N/A XXXX  - Opened XX/XX/XXXX - Balance N/A XXXX XXXX DC XXXX Opened XX/XX/XXXX - Balance {$1900.00} XXXX Credit XXXX XXXX XXXX XX/XX/XXXX XXXX Balance {$3100.00} XXXX  - Opened XX/XX/XXXX XXXX XXXX XXXX Please consider this letter my official notification. I request that you take the following actions immediately : 1. Block and delete any accounts, inquiries, or other information that were established or recorded as a result of identity theft.

2. Provide written confirmation that these fraudulent items have been blocked and deleted.

3. Ensure my credit report accurately reflects only legitimate accounts and inquiries. 

Enclosed are the following documents to support my request : A copy of my government-issued ID ( e.g., drivers license ). 
Proof of address ( e.g., utility bill ). 
A signed affidavit of identity theft ( if required ) - And my XXXX XXXX. 

As required by law, I expect these fraudulent items to be blocked within XXXX business days of your receipt of this request, as outlined in 15 USC 1681c-2 ( a ) ( 2 ).

I trust that this matter will handle promptly and in compliance with federal law. 

Thank you for your immediate attention to this urgent matter. 


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 2025-07-24 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: GA

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: CA

Complaint narrative:
A fraudulent account has appeared on my credit report. I did not apply for or approve this account.

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 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: TX

Complaint narrative:
This all started in early XX/XX/year>2024 when I had a small loss of income and wasn't able to make my mortgage payment. I immediately reached out and tried to get help from Selene Finance to see what we could. We wanted to try and work something out with them to maintain our current status on our loan. I thought by doing so I would be pointed in the right direction with the correct info. After filing all the paperwork they request and checking in with them many weeks in a row, in XXXX I was told that I submitted the paperwork incorrectly and was told to do it again and start over in the process. I did that and continued to check again. Well in XXXX they finally said that I do not qualify for any of the programs they checked out for me but would not look at the other programs that were available. I have a huge issue with this and every time I spoke with Selene it was to a different rep with a different response. They seemed to be very uninformed with this matter and only drug their feet, which in turn only put me into higher debt with them. I was then told that if I hurried up and made enough payments to be no more than two payments behind I would get out of foreclosure status. Well when I finally saved up enough to make that required payment my hopes of doing so were only crushed when I was told that is no way the case and if I wanted to reinstate my account I would have to pay this higher amount to do so. Well I finally was forced to sell my house in hopes of at least paying them off in full and not completely losing out on my investment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NJ

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX High Balance : {$910.00} Account Number : XXXX * * * * Date : XX/XX/XXXX Duration : 7 years XXXX XXXX XXXX High Balance : {$14000.00} Account Number : XXXX * * * * Date : XX/XX/XXXX Duration : 7 years XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) High Balance : {$1500.00} Account Number : XXXX * * * * Date : XX/XX/XXXX Duration : 7 years XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-24 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:
Im reaching out because Ive discovered an account on my credit report that I did not authorize or open, and I need this issue addressed immediately. 

This account is the result of unauthorized and fraudulent use of my identity. I want to be absolutely clear : I did not apply for, open, or consent to this account in any form. It does not belong to me, and it should never have appeared on my credit report in the first place. 

This situation is not only frustratingits alarming. I take my personal information and financial history very seriously, and the presence of this fraudulent account is damaging my credit and misrepresenting my financial behavior. Im requesting that you conduct a thorough investigation and permanently delete this fraudulent account from my credit report without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-07-24 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: NC

Complaint narrative:
I am writing to formally dispute and request the immediate removal of fraudulent accounts & hard inquiries being reported on my TransUnion credit report. These accounts & hard inquiries are the result of identity theft, and I did not authorize or open them. 
Additionally, I am a verified victim of multiple data breaches, including the XXXX XXXX  data breach, which exposed sensitive personal information that may have contributed to the identity theft and the creation of these fraudulent accounts & hard inquiries..

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 2025-07-24 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: CO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-07-24 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 am a victim of identity theft, unauthorized data sharing, and data breach-related errors impacting my credit reports with Experian, TransUnion, and Equifax. Despite multiple disputes and supporting evidenceincluding my FTC Identity Theft Reports, police report, Equifax deletion records, and breach notificationsfraudulent accounts, unauthorized hard inquiries, and inaccurate names/addresses are still being reported. 
These errors include accounts I did not open ( XXXX XXXX, XXXX, XXXX ), inquiries I never authorized, and personal info that is not mine. My extensive evidence, attached to this complaint, demonstrates clear violations of the Fair Credit Reporting Act ( FCRA ), including FCRA 1681c-2 and 1681i requirements for immediate blocking/deletion of disputed information after proof of identity theft is submitted. 
All three bureaus have failed to fully correct the information, and I have exhausted all dispute channels. This ongoing inaccuracy is damaging my credit, employment opportunities, and peace of mind.

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 2025-07-24 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX, account number XXXX has violated my rights.

15 U.S.C 1681 section 602 A. Stated I have The right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I deposited {$1200.00} into my checking and savings account. I spent {$1.00} through my checking and have {$25.00} left in my savings. I had one transaction that overdrew my account of {$110.00}. I got charged {$170.00} for 5 overdraft transactions.

Company response to consumer: Closed with monetary relief