vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: FL

Complaint narrative:
I am reporting identity theft in connection with accounts that were fraudulently opened or accessed in my name without my knowledge or authorization. I did not open these accounts, nor did I give anyone permission to use my personal information. I have already filed a dispute with the credit bureaus and am requesting a formal investigation. 

XXXX {$5800.00} XXXX XXXX {$530.00} XXXX  XXXX {$1000.00} XXXX XXXX  {$2200.00} XXXX XXXX XXXX {$15000.00}

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 2025-05-30 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: PA

Complaint narrative:
XXXX XXXX XXXX ( Last XXXX ) : XXXX Date of Birth : XX/XX/year> Address : XXXX XXXX XXXX XXXX, XXXX, PA XXXX This CFPB complaint is being filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to demand that TransUnion, and any other credit reporting agencies maintaining the same information, block and permanently remove all fraudulent, inaccurate, and unauthorized accounts currently appearing on my consumer credit file. 

The entries listed below were not opened, authorized, or used by me. They are the direct result of identity theft, and I have taken the appropriate legal steps to report this matter, including filing an official FTC Identity Theft Report, which is attached. 

The fraudulent and harmful accounts include : Collections and Charge-Offs XXXX XXXX XXXX ( XXXX separate entries ) Active collection accounts reporting balances of {$1200.00} and {$990.00}, neither of which I opened or authorized XXXX XXXX XXXX Multiple entries, including a {$430.00} active collection, a {$100.00} closed medical debt, and a {$0.00} paid account, all unauthorized XXXX XXXX XXXX XXXX XXXXlosed credit card account charged off for {$740.00} XXXX XXXX telecom collection account reported as closed with a balance of {$620.00} Closed Derogatory Account XXXX XXXX XXXX A closed auto loan account with past due reporting and derogatory status, which I did not initiate All of these entries have contributed to unauthorized hard inquiries and substantial damage to my credit profile and financial standing. I have never maintained relationships with these creditors, and the accounts were created without my knowledge or consent. 

I have enclosed the following : A certified FTC Identity Theft Report A government-issued photo ID A recent utility bill as proof of address Highlighted copies of my TransUnion, Experian, and Equifax credit reports showing the fraudulent items These accounts and inquiries are not mine and must be permanently removed. I expect TransUnion to act in full compliance with federal law and block all fraudulent data within four ( 4 ) business days, as required under FCRA 605B.

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 2025-05-30 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: PA

Complaint narrative:
XXXX XXXX XXXX ( Last XXXX ) : XXXX Date of Birth : XX/XX/year> Address : XXXX XXXX XXXX XXXX, XXXX, PA XXXX This CFPB complaint is being filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to demand that TransUnion, and any other credit reporting agencies maintaining the same information, block and permanently remove all fraudulent, inaccurate, and unauthorized accounts currently appearing on my consumer credit file. 

The entries listed below were not opened, authorized, or used by me. They are the direct result of identity theft, and I have taken the appropriate legal steps to report this matter, including filing an official FTC Identity Theft Report, which is attached. 

The fraudulent and harmful accounts include : Collections and Charge-Offs XXXX XXXX XXXX ( XXXX separate entries ) Active collection accounts reporting balances of {$1200.00} and {$990.00}, neither of which I opened or authorized XXXX XXXX XXXX Multiple entries, including a {$430.00} active collection, a {$100.00} closed medical debt, and a {$0.00} paid account, all unauthorized XXXX XXXX XXXX XXXX XXXXlosed credit card account charged off for {$740.00} XXXX XXXX telecom collection account reported as closed with a balance of {$620.00} Closed Derogatory Account XXXX XXXX XXXX A closed auto loan account with past due reporting and derogatory status, which I did not initiate All of these entries have contributed to unauthorized hard inquiries and substantial damage to my credit profile and financial standing. I have never maintained relationships with these creditors, and the accounts were created without my knowledge or consent. 

I have enclosed the following : A certified FTC Identity Theft Report A government-issued photo ID A recent utility bill as proof of address Highlighted copies of my TransUnion, Experian, and Equifax credit reports showing the fraudulent items These accounts and inquiries are not mine and must be permanently removed. I expect TransUnion to act in full compliance with federal law and block all fraudulent data within four ( 4 ) business days, as required under FCRA 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX XXXX XXXX XXXX XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: MA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

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 2025-05-30 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: FL

Complaint narrative:
I am reporting identity theft in connection with accounts that were fraudulently opened or accessed in my name without my knowledge or authorization. I did not open these accounts, nor did I give anyone permission to use my personal information. I have already filed a dispute with the credit bureaus and am requesting a formal investigation. 

XXXX {$5800.00} XXXX XXXX {$530.00} XXXX  XXXX {$1000.00} XXXX XXXX  {$2200.00} XXXX XXXX XXXX {$15000.00}

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 2025-05-30 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 reporting identity theft in connection with accounts that were fraudulently opened or accessed in my name without my knowledge or authorization. I did not open these accounts, nor did I give anyone permission to use my personal information. I have already filed a dispute with the credit bureaus and am requesting a formal investigation. 

XXXX {$5800.00} XXXX XXXX {$530.00} XXXX  XXXX {$1000.00} XXXX XXXX  {$2200.00} XXXX XXXX XXXX {$15000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: NE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-30 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: EQUIFAX, INC.
State: NE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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.

Complaint narrative:
Because of a recent data breach, my credit file has been compromised by unauthorized accounts. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within XXXX  days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} Inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Date : XX/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 2025-05-30 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.

Complaint narrative:
Because of a recent data breach, my credit file has been compromised by unauthorized accounts. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within XXXX  days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} Inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Date : XX/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 non-monetary relief
Consumer complaint received 2025-05-30 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: IL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: NV

Complaint narrative:
I am submitting a formal complaint against [ Equifax ) for continuing lo report inaccurate and unverifiable information on my credit report, in violation of multiple sections of tho Fair Credit Reporting Act ( FCRA ). 
On [ XX/XX/year> ), I identified discrepancies in the following account : Account Name : ( XXXX  XXXX ) Account Number : ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Issue : ( Describe inaccuracies such as incorrect balance, wrong status, Inconsistent datos ) I submitted a disputo directly with the credit bureau and requested a reinvestigation pursuant to : FCRA Section 611 ( 15 U.S.C. 16811 ) : Right to dispute Inaccurate information and receive a reinvestigation within 30 days FCRA Section 609 ( e ) ( 1 ) ( A ) : Right to request original documentation for verification ( o.g., signed consumer contract ) FCRA Section 623 ( o ) ( 5 ) : Requirement to delete any Information that can not bo verified with the original creditor FCRA Section 1681e ( b ) : Obligation lo ensure maximum possible accuracy in reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: NV

Complaint narrative:
15 USC 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate lease see attached documents.

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 2025-05-30 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: NV

Complaint narrative:
15 USC 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate lease see attached documents.

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 2025-05-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: OK

Complaint narrative:
ON XX/XX/year> I sent in a certified USPS Mail Ceasecom Letter. Stated below to the Debt collection agency XXXX XXXX XXXX XXXX XXXX. Representing XXXX XXXX. Here is the letter : " Via Certified Mail XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Acct. # XXXX File # XXXXXXXX XXXX XXXXXXXX XXXX/XXXX XXXX/Balance {$52000.00} Dear Debt collection agency : This will serve as your legal notice under federal law, The Fair Debt Collection Act, to cease all communication with me in reference to the above account. 
If you fail to head this notice, I will file a formal complaint against you with the Federal Trade Commission who is responsible for enforcement, and the XXXX XXXX XXXX, and the State Attorney Generals Office. 
I have decided that we do not desire to work with a collection agency under any circumstance. We will contact XXXX XXXX to resolve this matter directly. 
You are also notified that if any adverse items are placed against my credit report as a result of this notice, I will be forced to take appropriate action against you, and concerned parties. 
Give this matter the attention it deserves. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: IL

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-30 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: MA

Complaint narrative:
Following is a list of inaccurate information that I discovered on my Equifax account on XX/XX/XXXX. 



Collections XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX  XXXX Acct # XXXX Alleged Amount Owed : {$190.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
XXXX, XXXX  XXXX Acct # XXXX Alleged Amount Owed : {$1400.00} Acct # XXXX Alleged Amount Owed : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Acct # XXXX Alleged Amount Owed : {$510.00} Acct # XXXX Alleged Amount Owed : {$790.00} Acct # XXXX Alleged Amount Owed : {$840.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Acct # XXXX Alleged Amount Owed : {$720.00} Acct # XXXX Alleged Amount Owed : {$620.00} Acct # XXXX Alleged Amount Owed : {$930.00} Acct # XXXX Alleged Amount Owed : {$600.00} XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX Acct # XXXX Alleged Amount Owed : {$1400.00} Acct # XXXX Alleged Amount Owed : {$3600.00} Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Closed : XX/XX/XXXX Alleged Balance : {$8900.00} I responded to the inaccurate information by sending Equifax a certified letter requesting that they conduct a reasonable investigation, and an immediate deletion of all unverified and inaccurate information. Attached is the letter I sent to Equifax on XX/XX/XXXX

Company response to consumer: Closed with explanation