vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 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: NJ

Complaint narrative:
Subject : Formal Complaint Identity Theft & amp ; Failure of XXXX  to Remove Fraudulent Accounts FCRA 605B, 611, 623 ( a ) ( 6 ) I am submitting this formal complaint regarding multiple fraudulent accounts that remain on my XXXX  credit report despite my identity theft filings. These accounts do NOT belong to me, and I did NOT open or authorize them. I am requesting enforcement of the Fair Credit Reporting Act ( FCRA ) to compel XXXX  and the furnishers to remove these fraudulent accounts immediately. I am filing under the following laws : 1. FCRA 605B ( 15 U.S.C. 1681c2 ) Identity Theft Blocking This section requires XXXX  to BLOCK and REMOVE fraudulent accounts within 4 business days after receiving : My identity theft report ( FTC affidavit ), My written statement, My identification and Proof of address ... 2. FCRA 611 ( 15 U.S.C. 1681i ) Reinvestigation Requirements This law requires a reasonable reinvestigation of disputed accounts and mandates that any unverifiable or fraudulent account must be deleted. 3. FCRA 623 ( a ) ( 6 ) ( 15 U.S.C. 1681s2 ( a ) ( 6 ) ) Furnisher Investigation Duties The furnishers ( banks and creditors ) are legally required to investigate identity theft claims, stop reporting fraudulent information, and notify the bureaus. 

FRAUDULENT ACCOUNTS REMAINING ON MY XXXX  REPORT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were not opened, authorized, or used by me. They are the result of identity theft and are causing ongoing harm including credit denials, damaged creditworthiness, and financial hardship. I am requesting : Immediate blocking and removal of all fraudulent accounts under FCRA 605B. A full reinvestigation under FCRA 611. Enforcement of furnisher duties under FCRA 623 ( a ) ( 6 ). A corrected and updated XXXX  credit report. Written confirmation of all deletions All statements in this letter are true and accurate to the best of my knowledge.

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 2025-11-23 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: NC

Complaint narrative:
I, XXXX XXXX, declare under penalty of perjury that the statements contained herein are true and correct to the best of my knowledge and belief. This statement is executed to unequivocally exercise my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the applicable provisions of XXXX XXXX XXXXXXXX, including the protections afforded under XXXX  XXXX  XXXX theft statutes. 

The fraudulent account I have found have been detrimental to my XXXX credit scores. I have attached documentation from Experian, XXXX and XXXX, XXXX confirming that my personally identifiable information was exposed in the XXXX, XXXX XXXX Breach ( Case No. XXXX md XXXX ). The following items are erroneous and in dispute : a ) WFNBA : Account # XXXX : Balance : XXXX. 

The account was opened without my authorization and directly violate my rights as a consumer. They are not permitted to remain on my credit report and must be rectified.

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 2025-11-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: ID

Complaint narrative:
I called the company and asked them to come and get the vehicle because the transmission went out wasnt gojng to beable to continue to make payments on a vehicle that wasnt opertable and I had only had it 3 years and it took them almost 6 months to come get it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: KS

Complaint narrative:
When the lady gave me the transaction list at around XXXX on XXXX XXXX, there was one transaction for {$29.00} on tomorrows date, which seemed odd since tomorrow was XXXX hours away. I asked her to repeate the name of the company which she did. It was : XXXX I told her that I never even heard of them in my life. I asked her could she stop the payment and she told me no. She said that I would have to wait until the crooks got paid and then dispute it with them and give them 5 to 7 days to correct it after which if i was still unhappy then i could dispute it through them. That seems crazy that we cant stop the crooks before we give them our money! So when that call ended I looked up the website and went to the end of the line of stuff until I found a place that said " Contact Us '' they gave me a box like the one I am typing in to say whatever I wanted to talk to them about and i gave them an earful and told them that they were stealing my heating bill ( gas ) bill money and they were evil. I apologize for handling that all wrong! while i was doing that i saw their phone number ( XXXX ) XXXX and the address which was XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX which is crazy! Then I called back the card company and explained my situation again and asked for supervisor which they transferred me to a man named XXXX, I told him that I was receiving an unauthorized, fraudulent charge from a merchant called XXXX XXXX for {$29.00} and i have no relationship with them at all. I was demanding my rights by XXXX XXXX XXXX to revoke ( there is more but no room to write )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-23 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: IL

Complaint narrative:
Someone used my information without my knowledge or consent and opened up fraudulent accounts.It was 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 2025-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Someone stole my identity and opened this account LVNV Funding LLC XXXX XXXX XXXX  XX/XX/XXXX balance {$1000.00} I have not lived in Texas since XXXX and never opened this account, the company did not properly screen or prove identity or it would have never been opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian  is willfully violating FCRA 605B. They have already received every document required to block fraudulent information, and instead of complying with the law, they continue to publish and furnish fraudulent accounts and are now falsely coding these identity-theft accounts as included in bankruptcy. 

This is illegal. Fraudulent accounts are NOT permitted to be linked to a consumers bankruptcy, and Experian knows this. Experian is deliberately ignoring a valid 605B identity-theft notice, refusing to block fraudulent accounts within the mandatory 4-day period, and continuing to report them in a way that is financially damaging and materially misleading. 

I am not providing more documents because Experian already received everything required under 605B on multiple occasions. They are intentionally stalling and refusing to comply. Their continued reporting is a WILLFUL violation of the FCRA, not an error. 

I want immediate action by the CFPB to force Experian to : 1. Block every fraudulent account identified in my 605B notice 2. Remove all bankruptcy coding from those fraudulent accounts 3. Stop demanding documents they already have 4. Correct my file and provide written confirmation Experians conduct is negligent, willful, and unlawful.

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 2025-11-23 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and 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 non-monetary relief
Consumer complaint received 2025-11-23 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: TX

Complaint narrative:
I was alerted by XXXX XXXX  about a data breach on my account with my SSN I had several data breaches I obtained a copy of my credit report and found several variations of addresses found on my report that where unfamiliar too me I never lived at and do not recognize any of these addresses please delete the following addresses XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az 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 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Imprint Payments, Inc.
State: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX  ( issuer ) and Imprint Payments , Inc. ( servicer ) regarding the XXXX XXXX Signature Credit Card XXXX 

I applied in early XX/XX/XXXX and provided all requested documents : Texas XXXX XXXXcompliant driver license with federal compliance star ( issued XX/XX/XXXX, expires XXXX/XXXX/XXXX, Limited-Term notation due to pending I-485 Adjustment of Status ) SSN XXXX  verification ( completed twice ) Proof of Texas address My XXXX XXXX  with XXXX confirms XXXXUSCIS has already verified my lawful presence through the XXXX  system ( XXXX XXXX  Act 202 ( c ) ( 2 ) ( B ) ).

Despite this : My {$39.00} initial payment was successfully debited on or about XX/XX/XXXX The physical card was manufactured and delivered to my verified address ( XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, TX XXXX ) Every single transaction ( personal and business, both permitted under card terms ) was declined Decline notifications were sent via SMS and in the app, but there was NO option in the app, website, or SMS to confirm that the transaction was legitimate/performed by me Customer support promised a follow-up call that never occurred I was asked to re-upload documents and complete additional selfie verification ( completed twice ) On XX/XX/XXXX the account was closed with no specific reason provided and no mandatory ECOA adverse-action notice. 

I believe the account closure was based solely on the Limited Term notation on my otherwise fully XXXX XXXXcompliant Texas driver license. This notation exists only because I have a pending XXXX Adjustment of Status application and am not yet a U.S. citizen XXXX 

Overbroad or unnecessary reliance on immigration status when the applicant is lawfully present, holds XXXX, XXXX, federally-verified identity via REAL ID, and has a XXXX XXXX established U.S. credit history with 10 credit cards may violate the Equal Credit Opportunity Acts prohibition on discrimination based on national origin ( 15 U.S.C. 1691 ( a ) ( 1 ) ) and the joint CFPBXXXX guidance issued in XXXX and reaffirmed in XXXX, which specifically cautions creditors against unnecessary or overly broad use of immigration status in credit decisions. 

I have all evidence ready ( driver license photos, decline SMS screenshots, closure letter, payment receipts, chat/call logs ). 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 explanation
Consumer complaint received 2025-11-23 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 AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX XXXX COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-23 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX XXXX COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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