vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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 to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.....

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 2025-04-16 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: VA

Complaint narrative:
To Whom It May Concern, This letter is your final notice before I initiate legal action against your agency. I have already filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) due to your repeated failure to remove fraudulent accounts from my credit report despite providing you with all required documentation under the law.

I am once again demanding the immediate and permanent deletion of the fraudulent accounts that were illegally opened in my name. You are in continued violation of federal law, including but not limited to : FCRA 605B You are obligated to block fraudulent information within four ( 4 ) business days of receiving a valid Identity Theft Report and police report. You have failed to do so. 
FCRA 623 You are knowingly and willfully reporting inaccurate and unverified information.

15 U.S. Code 1681n & 1681o I am now legally entitled to pursue damages, attorneys fees, and punitive relief due to your willful noncompliance and negligence. 
FDCPA If youve shared these false debts with any collection agency, you are complicit in deceptive, abusive, and harassing collection practices. 

I have already provided and have re provided them A government-issued photo ID Proof of address A police report An Identity Theft Report filed with the FTC Your agency continues to allow fraudulent, damaging information to remain on my report. Some accounts were removed, only to be reinserted without proper notice, which is another FCRA violation ( 611 ( a ) ( 5 ) ( B ) ).

You now have five ( 5 ) business days from the date of this letter to : 1. Delete every fraudulent account from my credit report with your bureau.

2. Provide written confirmation that the accounts have been permanently removed and will not be reinserted.

3. Cease all sharing or selling of these false accounts to any third party or collection agency. 

Failure to comply will result in a civil lawsuit against your company, seeking all available remedies including statutory damages, emotional distress, reputational harm, and all costs of litigation. I will also notify state attorneys general, media outlets, and additional regulatory bodies as necessary.this has been goin on for years time to end this I am not asking again. I am demanding it. You have five business days. To remove the following from my credit profileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Im filing a complaint Because my creditor is Reporting late payments on my report # XXXX and last SSN XXXX that are incorrect and not properly Verified I have Disputed this Directly with the credit Bureau and the furniture, but the late payments Remain without proper Validations. Or Documentations. Under 15USC 1681s2 A furniture must report Accurate information under 15USC 1681i the cradit bureau must perform a Reasonable investigation within 30 Days Nether of them have provided sufficient Evidence to support the negative reporting.

According to 15 USC 1692c. My Rights had Violated Lawful communications please Remove this collection off of my 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 2025-04-16 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 am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. 


To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX  XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 
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 2025-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
My personal and financial information data was compromised violating XXXX. I request a cancellation of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: GA

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 : LIST OF ACCOUNTS TO BE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts has resulted in several 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 accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts 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 explanation
Consumer complaint received 2025-04-16 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: CA

Complaint narrative:
There are late payment remarks on my credit report that are entirely inaccurate and misleading. Many of these accounts show a {$0.00} balance and no past due amountso how can they be marked late? These notations are unfairly harming my score, despite my history of maintaining financial obligations.

Under the FCRA, no account may be reported as delinquent unless it can be backed by verifiable proof, including original signed documentation. If no such proof exists, these remarks must be deleted immediately. Most of these items have already been corrected or removed by other major bureaus due to lack of verifiable evidence, raising concerns about why they remain. 

The following late payment items are disputed and must be thoroughly reverified or deleted immediately : Late Payment ( XXXX XXXX XXXX XXXX  Account Number : XXXX - Balance & Past Due : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My application for a citi card was recently denied However my credit score is very good With score of XXXX in Citi cards owns page and website. 
The reason for my denial according to Citi its cause I dont use enough of my credit line. Which I believe this reason be discriminatory. I already have a credit card with Citi for which I have implacable payment record. 
I believe my credit equal rights are being violated by this denial without basis. 
Im askin at this point for Citi to re evaluate my application and the results in order to assist with facilitation the credit card for which I applied.

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 2025-04-16 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:
Subject : Request for Removal of Fraudulent Inquiries under FCRA 605B Dear Experian Dispute Department, I am writing to formally request the removal of several unauthorized hard inquiries that have appeared on my Experian credit file. I did not apply for credit with the companies listed below, nor did I authorize these inquiries. I believe these are the result of identity theft. 
Supporting documents attached : FTC Identity Theft Report ( # XXXX ) Government-issued photo ID Proof of address ( utility bill ) Copy of XXXX ( last XXXX digits : XXXX ) The following inquiries are fraudulent and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Please find attached my FTC Identity Theft Report ( # XXXX ), which outlines the incident. This report has been filed under penalty of perjury, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 605B, which requires credit reporting agencies to block fraudulent information within four business days of receiving proper documentation.

I respectfully request that you process this case in accordance with FCRA guidelines and treat it as an identity theft-based dispute. Should you need further verification or documents, I am available to cooperate. 
Sincerely, 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 2025-04-16 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed I had a fraudulent account on my credit report. Please remove this account from my credit report because this is hurting my ability to obtain credit. I do not recognize this account or inquiry and did not authorize it being reported by a third-party. Inquiry-XXXX XXXX XXXXXX/XX/year>

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 2025-04-16 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: U.S. BANCORP
State: MN

Complaint narrative:
I contacted U.S. Bank to explore getting prequalified for a mortgage. I made it explicitly clear that I only wanted to be prequalifiednot preapprovedand that I did not authorize a hard credit inquiry. The representative confirmed via email that a hard inquiry would not be required for prequalification.

After providing some information, I was told I could not proceed due to not having two years of work history. However, I later received a letter that U.S. Bank had performed a hard credit inquiry on XX/XX/year>, which caused my credit score as displayed by my US Bank account page to drop by XXXX points. 

I did not authorize this hard inquiry and have repeatedly requested proof from U.S. Bank that I gave such authorization. They have not been able to provide any, and instead referred me in circles between various departments. XXXX representative ultimately told me to dispute the inquiry with Equifax, requiring me to file a police report or an FTC fraud reportwhich is not appropriate since this is not identity theft, but rather a violation of the Fair Credit Reporting Act by the institution itself. 

U.S. Bank had no permissible purpose to conduct a hard inquiry, as I never consented to it and was only seeking prequalification. I am requesting that U.S. Bank be held accountable and that XXXX  be required to remove the unauthorized hard inquiry from my credit report. And I want my score to be restored to what it was before this happened.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

DISCOVERBANK # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$150.00} XXXX # XXXX XX/XX/XXXX -- {$750.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$5600.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$450.00} XXXX # XXXX XX/XX/XXXX -- {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have both mailed and e-mailed Experian about inaccurate information on my credit report. I stated i was exercising My rights pursuant 8 US code 894, 15 US code 1681 & 1692. They responded that the investigation meet the requirements of the fair credit reporting act and the negative information was accurate.

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 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I am filing this complaint against CREDIT SYSTEMS INT INC regarding an account they are reporting on my credit report : Account Number XXXX XXXX XXXX XXXX 

On XX/XX/, I submitted a formal debt validation request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. I specifically requested full documentation to validate the debt, including : A copy of the original signed contract, An itemized breakdown of the alleged debt, Information about the original creditor and account history, Proof of their legal authority to collect, Confirmation that the debt is within the legal statute of limitations. 

As of today, I have received no such documentation. Despite this, they continue to report this account on my credit file, which is causing ongoing harm to my creditworthiness. 

This conduct violates my rights under both the FDCPA and FCRA. According to 15 U.S.C. 1692g ( b ), they must stop all collection activity until the debt is validated. Under 15 U.S.C. 1681s-2 ( a ), they must not furnish inaccurate or unverifiable information to the credit bureaus. They have ignored these obligations. 

I referenced several federal court decisions in my letter, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which establish that debt collectors must go beyond automated systems and must stop reporting unverifiable debts. They have failed to comply with these legal standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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