vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This letter is submitted to the Consumer Financial Protection Bureau as part of my identity theft case, supported by my FTC Identity Theft Report filed on XXXX XXXX XXXX 

I have reviewed my credit report with Equifax and discovered the following unauthorized inquiries that I did not initiate, approve, or authorize : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Date Unknown ] These inquiries are the result of identity theft and are fraudulent. Pursuant to the Fair Credit Reporting Act ( FCRA ) 1681c-2, I am requesting their immediate removal from my credit file and the blocking of any related or derived accounts or access. 

I have enclosed the following documents to support this request : - A copy of my FTC Identity Theft Report ( filed XXXX XXXX XXXX ) Please investigate and remove these inquiries promptly, and confirm removal in writing. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed all of the items that are not reported with maximum accuracy by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: DE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 US 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 2025-07-22 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: DE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
I am writing to formally demand immediate corrective action in response to your agencys failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., concerning my recent identity theft dispute. Your handling of this matter has been grossly negligent and falls well below federally mandated standards.

Violation of Consumer Rights Under Federal Law Neglecting to Conduct an Adequate Investigation ( FCRA 1681i ( a ) ( 1 ) ) Despite being provided with my FTC Identity Theft Report and supporting evidence, your agency failed to undertake a legitimate and thorough reinvestigation.

Simply overlooking credible proof does not fulfill your legal duty.

No Notification of Investigation Outcome ( FCRA 1681i ( a ) ( 6 ) ) As per the law, you are required to notify me of your findings within 30 days. To date, I have received no update, which is a clear breach of your obligations.

Refusal to Block Fraudulent Data ( FCRA 1681c-2 ) Your agency is mandated to block identity theft-related information upon receiving proper documentation. Yet, the fraudulent accounts remain, damaging my credit and violating my rights. 
Reinsertion of Deleted Items Without Proper Certification ( FCRA XXXX ( a ) ( XXXX ) ) It has come to my attention that previously removed accounts have been reintroduced into my credit file without the proper legal process or notice. This is a serious violation. I am aware that lawsuits have been filed against credit bureaus for this exact misconduct as recently as last year. 
Precedent Cases That Establish Your Liability Legal precedent confirms your agency 's accountability when you fail to uphold FCRA standards : In XX/XX/year>, Equifax was fined {$15.00} XXXX for improper investigations and failure to comply with FCRA accuracy requirements. 
XXXX Actions Required I am demanding that your agency take the following steps without delay : Launch a comprehensive and meaningful reinvestigation into the disputed fraudulent accounts. 
Send me a complete written explanation of the investigation and your conclusions. 
Immediately and permanently delete or block all identity theft-related accounts and data. 
If this is not resolved within the timeframe required under the FCRA, I will proceed with the following actions : File official complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Initiate legal proceedings to seek compensation as allowed under FCRA XXXX and XXXX, including statutory and punitive damages as well as legal fees. 
XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report. 
Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable.

Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). 
In XX/XX/year>, the CFPB sued Experian for failing to properly investigate consumer disputes and continuing to report inaccurate data. 
I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 


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 2025-07-22 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:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

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 explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc.
State: IL

Complaint narrative:
I recently received a debit card from cash app/block inc XXXX I never opened an account with them I find it very suspicious I'm receiving a debit card. There are hundreds of reviews of other people receiving similar cards in the mail. 

XXXX XXXX XXXX has XXXX reputation of easing illicit financial transactions. I don't want nor did I request to bank with them. I feel safer banking with the cartel then I do with cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-22 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
At the beginning of XX/XX/year> I opened a savings account for my XXXX XXXX XXXX son 's money that we withdrew from his XXXX Bank account- for the purpose of changing banks. The bank needed me to open the account in my name since he is a minor, so I did, but the check that was deposited was made out to him. I deposited a check for {$1900.00} on XXXX. On XXXX they stated that they needed to verify the funds since the check was made out to my son. I called them when requested and I emailed them all information they requested to complete the verification process. They then sent an email on XXXX that they were freezing the deposit for investigation. On XXXX they sent notification that they were closing the account and another notification that the money would be sent via a check to the address on file, or returned to the issuing bank. Since this time the issuing bank never received any money and nor did I receive a check. I have been in contact with their investigation team weekly since this time and they consistently give me a run around, saying it's being reviewed, or saying that the other bank has the money. On XXXX they re-opened the account, but did not return the money into the account. I have all of the documents to track these interactions as well as recorded phone calls with their investigation team and/or client services department. I have done everything they have asked and spent countless hours trying to get my son 's money back to him. It would appear that they have either stolen or lost my son 's savings account that he has been collecting since he was XXXX XXXX XXXX. Please help us end this vicious loop and return our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
I take my credit seriously, and I'm really concerned about the mistakes on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. I've worked hard to build my credit, and it's frustrating to see it affected by mistakes that aren't my fault. It's getting me anxious. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

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 2025-07-22 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: PA

Complaint narrative:
I am requesting the immediate and permanent deletion of all fraudulent accounts and inquiries that were added to my credit file due to identity theft. I have enclosed the following required documentation : A copy of my government-issued ID Proof of address ( utility bill ) A copy of my Social Security card An official FTC Identity Theft Report The following fraudulent accounts must be blocked and removed from my report under 15 USC 1681c2 : XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Requested Resolution : Block and permanently delete all accounts and related inquiries within 4 business days of receiving my valid identity theft documentation, as required by FCRA. 

Do not issue a stall or template response. This dispute is filed by me directly the consumer. 

Send a written confirmation that the fraudulent data has been removed, and provide an updated copy of my credit report. 

Prevent any reinsertion of this fraudulent information unless all FCRA reinsertion procedures are followed, including proper notice under 1681i ( a ) ( 5 ) ( B ).

If this issue is not resolved promptly and in compliance with the law, I will file complaints with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXX XXXX ( XXXX  ) State Attorney General Offices ( yours and mine ) I expect full resolution and written confirmation within the timeline required by federal law.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
EXPERIAN HAS REFUSED TO UPDATE PERSONAL INFORMATION REGARDING MY CREDIT FILE, THIS HAS BEEN MY REPEATED XXXX ATTEMPT RECTIFY THIS ERROR FOR THE FOREGOING REASONS, PER XXXX VS. EXPERIAN THE COURT SHOULD HOLD THAT THE FCRAS REINVESTIGATION REQUIREMENT IN 15 USC 1681i APPLIES TO DISPUTES REGARDING NAME, ADDRESS, AND SOCIAL SECURITY NUMBER INFORMATION ; EXPERIANS CONTRARY INTERPRETATION IS NOT FOPUND IN COMPLIANCE, THE DISTRICT COURTS ERRED IN APPLYING THE STANDARD FOR RECKLESSNESS AND THUS WIILFULNESS UNDER THE FCRA TO NEGLIGENCE CLAIMS.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
EXPERIAN HAS REFUSED TO UPDATE PERSONAL INFORMATION REGARDING MY CREDIT FILE, THIS HAS BEEN MY REPEATED XXXX ATTEMPT RECTIFY THIS ERROR FOR THE FOREGOING REASONS, PER XXXX VS. EXPERIAN THE COURT SHOULD HOLD THAT THE FCRAS REINVESTIGATION REQUIREMENT IN 15 USC 1681i APPLIES TO DISPUTES REGARDING NAME, ADDRESS, AND SOCIAL SECURITY NUMBER INFORMATION ; EXPERIANS CONTRARY INTERPRETATION IS NOT FOPUND IN COMPLIANCE, THE DISTRICT COURTS ERRED IN APPLYING THE STANDARD FOR RECKLESSNESS AND THUS WIILFULNESS UNDER THE FCRA TO NEGLIGENCE CLAIMS.

Company response to consumer: Closed with explanation