vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX Date : [ XX/XX/XXXX ] TO : Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Identity Theft Dispute Formal Request for Deletion and Damages ( FTC Report # XXXX ) To Whom It May Concern : I am writing to formally dispute the inaccurate and fraudulent information that has been reported on my credit file as a result of identity theft. As documented in my attached FTC Identity Theft Report ( # XXXX ), I am a verified victim, and my personally identifiable information was compromisedlikely due to the Equifax, Experian, TransUnion, and XXXX XXXX breaches. 

Under 15 U.S.C. 1681c-2 ( FCRA 605B ), I am invoking my right to block and demand deletion of all items on my credit report that resulted from this identity theft. Additionally, under 15 U.S.C. 1681s-2, furnishers of information are required to report accurate data and remove information they know to be incorrect or fraudulent.

I also cite 15 U.S.C. 1692c ( c ) and 1692e, which prohibit continued collection or misrepresentation of debts after notification of identity theft. Furthermore, I assert my rights under UCC 1-308 ( without prejudice ) to reserve all legal rights and remedies in this matter. 

The following fraudulent accounts must be permanently deleted from all XXXX of my credit reports : XXXX. XXXX XXXX XXXX Account opened : XX/XX/XXXX Balance : {$1700.00} XXXX. XXXX / XXXX XXXX XXXX XXXX Account opened : XX/XX/XXXX Balance : {$510.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account opened : XX/XX/XXXX Balance : {$18000.00} XXXX. XXXX XXXX Account opened : XX/XX/XXXX Balance : {$380.00} These accounts are fraudulent, opened without my knowledge, consent, or authorization. Continued reporting of these items causes me financial harm, emotional distress, and damages my creditworthiness. 

I demand that you : Immediately remove all referenced fraudulent accounts from my credit file under FCRA 605B.

Notify all furnishers and debt collectors of the identity theft report and block the information. 
Cease and desist all attempts to collect on these debts as required by 15 U.S.C. 1692c ( c ).

Provide me written confirmation of the deletions within 30 days, per 15 U.S.C. 1681i ( a ).

Note that any failure to comply may result in a formal complaint to the CFPB, FTC, and potential civil action seeking monetary damages under 15 U.S.C. 1681n and 1681o.

All attached evidence, including the FTC Identity Theft Report, is provided in good faith and under penalty of perjury. 

Sincerely, XXXX XXXX UCC-1-308 Without Prejudice

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 2025-06-18 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX Date : [ XX/XX/XXXX ] TO : Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Identity Theft Dispute Formal Request for Deletion and Damages ( FTC Report # XXXX ) To Whom It May Concern : I am writing to formally dispute the inaccurate and fraudulent information that has been reported on my credit file as a result of identity theft. As documented in my attached FTC Identity Theft Report ( # XXXX ), I am a verified victim, and my personally identifiable information was compromisedlikely due to the Equifax, Experian, TransUnion, and XXXX XXXX breaches. 

Under 15 U.S.C. 1681c-2 ( FCRA 605B ), I am invoking my right to block and demand deletion of all items on my credit report that resulted from this identity theft. Additionally, under 15 U.S.C. 1681s-2, furnishers of information are required to report accurate data and remove information they know to be incorrect or fraudulent.

I also cite 15 U.S.C. 1692c ( c ) and 1692e, which prohibit continued collection or misrepresentation of debts after notification of identity theft. Furthermore, I assert my rights under UCC 1-308 ( without prejudice ) to reserve all legal rights and remedies in this matter. 

The following fraudulent accounts must be permanently deleted from all XXXX of my credit reports : XXXX. XXXX XXXX XXXX Account opened : XX/XX/XXXX Balance : {$1700.00} XXXX. XXXX / XXXX XXXX XXXX XXXX Account opened : XX/XX/XXXX Balance : {$510.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account opened : XX/XX/XXXX Balance : {$18000.00} XXXX. XXXX XXXX Account opened : XX/XX/XXXX Balance : {$380.00} These accounts are fraudulent, opened without my knowledge, consent, or authorization. Continued reporting of these items causes me financial harm, emotional distress, and damages my creditworthiness. 

I demand that you : Immediately remove all referenced fraudulent accounts from my credit file under FCRA 605B.

Notify all furnishers and debt collectors of the identity theft report and block the information. 
Cease and desist all attempts to collect on these debts as required by 15 U.S.C. 1692c ( c ).

Provide me written confirmation of the deletions within 30 days, per 15 U.S.C. 1681i ( a ).

Note that any failure to comply may result in a formal complaint to the CFPB, FTC, and potential civil action seeking monetary damages under 15 U.S.C. 1681n and 1681o.

All attached evidence, including the FTC Identity Theft Report, is provided in good faith and under penalty of perjury. 

Sincerely, XXXX XXXX UCC-1-308 Without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
The accounts listed below are not mine and were added to my credit file without authorization. I request their immediate deletion as required by 15 U.S. Code 1681g. Supporting documentation is attached, and I request resolution within 15 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
I do not recognize this inquiry and did not give anyone permission to access my credit. This listing is inaccurate, and I respectfully request that it be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
I am formally disputing the inaccurate information reported on my credit report. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates the reporting of accurate information. Your continued reporting of this inaccurate data is in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits false or misleading representations, including the reporting of inaccurate information. Furthermore, this is also a violation of the Consumer Credit Protection Act ( CCPA ), 15 U.S.C. 1681b, which regulates the permissible purposes for credit reporting and mandates accuracy in reporting.

Despite my previous disputes, you have failed to correct or remove this information. This is an ongoing violation of my consumer rights, and I demand immediate correction or deletion of the inaccurate data as required by law. Failure to comply with these regulations will result in further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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:
My ex girlfriend opened several accounts in my name, these are not my accounts. I want these removed from my report right away. Please remove these accounts from my file.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My ex girlfriend opened several accounts in my name, these are not my accounts. I want these removed from my report right away. Please remove these accounts from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: PA

Complaint narrative:
I am filing this complaint against both XXXX XXXX XXXX ( reporting a {$1800.00} XXXX collection account ) and National Recovery Agency ( reporting a {$500.00} collection account ). 

I formally disputed both accounts via certified mail on XX/XX/XXXX, under my rights provided by Section 609 of the Fair Credit Reporting Act ( FCRA ). I requested verification of the debts, including original signed contracts and itemized statements. It has been more than 30 days, and I have not received a single document or verification in response. 

Both companies have continued to report these accounts to the credit bureaus despite their failure to verify. This is a violation of FCRA 611, which requires deletion of any account that can not be verified, and 609, which gives me the right to request full documentation. Additionally, my credit report has had an extended fraud alert on file since 2022, meaning they were also required to contact me directly and verify all information before reporting anything newas outlined in 605A and 605B. 

The XXXX XXXX XXXX account is especially suspicious. It shows a date opened in XXXX with a date of first delinquency from XXXX, which does not make logical or legal sense. This appears to be a re-aged debt, a known credit reporting abuse. 
As a result of these violations, I have experienced : Denial of new credit applications Increased interest rates on approved credit lines A drop in my XXXX XXXX Emotional distress and anxiety from having to constantly dispute unverifiable and damaging information Requested Relief : I am requesting the immediate deletion of both the XXXX XXXX XXXX and XXXX XXXX XXXX accounts from all credit bureaus ( TransUnion, Experian, and Equifax ) due to failure to provide verification within the timeframe outlined in the 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 explanation
Consumer complaint received 2025-06-18 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 am a victim of identity theft, which has left me feeling vulnerable and distressed. Fraudulent accounts were opened in my name without my knowledge or consent has caused Significant harm to my credit standing. I am determined to take the necessary steps to clear my name and protect my identity and restore my financial well being. I kindly request that you please remove these fraudulent accounts from my report as they due not properly reflect my financial history or responsibility. i appreciate any support and assistance in overcoming this unfortunate experience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NY

Complaint narrative:
This is my third CFPB complaint following # XXXX. The merchant XXXX breached our contract, withheld paid-for deliverables, and has continued deceptive behavior that I believe could violate multiple laws. Discover refuses to open the case based on an unrealistic request for a refund receipt something no scammer provides. That excuse is now enabling clear fraud to go unchecked. 

I am now escalating with the following violations that should trigger review : Breach of Contract : I paid over {$1000.00}. They let my domain expire, delayed access to services I paid for, and never delivered completed work.

Theft of Services / Conversion : They are withholding content and assets I legally own.

Consumer Fraud : They misrepresented their services, made false promises, and stalled endlessly while delivering nothing.

Unfair/Deceptive Trade Practices : Refusing access, failing to notify me of key events, and breaking guarantees constitutes deceptive behavior.

Interference with Economic Opportunity : This has actively harmed my business and financial interests. 

False Advertising : If a company advertises results or timelines, they must deliver. XXXX didnt, repeatedly. 

I request : That Discover reopen the fraud case immediately and review the full documentation. 

That the CFPB investigate XXXX for the outlined violations. 

That the CFPB determine whether Discover is violating card network rules or federal law by denying valid disputes based on the absence of refund receipts in documented fraud cases. 

Consumers should not be forced to accept theft because a scammer refuses to admit guilt on a receipt. That policy opens the door to unchecked fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-18 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: NC

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 explanation
Consumer complaint received 2025-06-18 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: NC

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 2025-06-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
Misrepresentation and deceptive practices that encourage me and placed me on forbearance and deferments unnecessarily. Loans skyrocketed, credit was affected as a single parent this caused increased stress, sleepless nights and mental strain. I worked hard to keep credit in good standing. Accrued debt beyond what I borrowed has caused unfathom stressors and sickness.I recently heard about Navient law suit and this web site to place a complaint about my misguided loan servicer. I am Unable to access information due loans been sold to another servicer XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
XXXXXXXX XXXX  account # XXXX XX/XX/XXXX {$11000.00} XXXX XXXX account # XXXX XX/XX/XXXX {$5800.00} These accounts were opened fraudulent and I did not authorize anyone to open any account on my behalf. These accounts have created a barrier in receiving services that I qualify for.

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 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Approximately one month ago, I was notified by Bank of America that they were closing my checking and savings account. These items did not appear any longer on my dashboard. I am not able to review the accounts see the deposits or subsequent withdrawals balance history, or receive a statement from the dashboard or from Bank of America. They have wiped all record of my account ever existing. There is nothing there. I have received emails from them stating that my account is overdrawn. I have received emails from them stating that they have they are providing me a monthly statement but when I click to open those email links, theres nothing there then my savings account reappeared on my dashboard this time with a negative balance because they charged me a monthly maintenance fee. They have subsequently charged me a second monthly maintenance fee yet I have no access to that account. I can not deposit nor withdrawal from that account. Also, my checking account does not show up on my dashboard. Theres no knowledge of it anywhere it doesnt exist if they have put my savings account for view on my dashboard why have they not returned my checking account for review they said its not closed that its in a status waiting for the negative balance to be paid. I have asked them to go over the deposit withdrawals with me because the account was overdrawn, however, there have been several credits made to the account one for over {$200.00}. I dont believe in good faith that they are providing me with all of the information I need with regards to the deposits that were made after the state, and I believe that there is a positive balance. Ive called them no less than three times to get this information from them and when I start asking detailed questions about my balance, they end the call the phone just drops three times not random. I want to know what the balance was on the day that they sent the account and what subsequent deposits have been made because I dont believe they are telling me about all of them. Id like to know why they close my account. I also want a summary of my account made available to me so I can see the deposits on my account after the center, which they are refusing to provideAnd even more so Id like to know why they did this with a person whos banked with him for 14 years. I mean the account is just not viewable. Its just vanished. How outrageous shame on your Bank of America.

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 2025-06-18 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: AZ

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: GA

Complaint narrative:
I, XXXX XXXX, am filing this formal complaint against Equifax and XXXX XXXX A regarding the following account : Account Name : XXXX XXXX A Account Number ( Partial ) : XXXX Nature of Complaint : Equifax is reporting a collection account furnished by XXXX XXXX A. However, XXXX XXXX  A has already confirmed in a prior response that they can not verify or validate this alleged debt. Despite this, Equifax continues to report this information on my consumer report. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and reflects a failure by both parties to maintain the accuracy and integrity of the information reported. If the data furnisher can not verify the account, then Equifax has no legal basis to include it in my credit file.

Legal Violations : This conduct violates the following sections of federal law : 15 U.S. Code 1681e ( b ) Duty to follow reasonable procedures to assure maximum possible accuracy 15 U.S. Code 1681i ( a ) Requires a proper reinvestigation if information is disputed 15 U.S. Code 1692g Debt collector obligations to validate a debt when requested

Company response to consumer: Closed with non-monetary relief