vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$730.00} XXXX FIN - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} INQUIRIES : 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 2025-07-29 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: IN

Complaint narrative:
I am writing to formally dispute an account listed on my credit report. I believe this account may contain errors or inaccuracies that need to be investigated and corrected. 
Below is the account I am disputing : 1. Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>2021 Balance : {$200000.00} I request that this account be thoroughly investigated, and any discrepancies or errors be corrected. If this account is found to be inaccurate, I ask that they be removed or updated appropriately from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My ssn was used to open multiple accounts with bank of America. I called XXXX  and they were able to provide the other person 's information : XXXX XXXX XXXX XXXX XXXX, ect. ( This is not me ) My XXXX score dropped. XXXX  put alerts on the accounts and file for dispute. 
Accounts : Bank of America- {$2700.00} opened XX/XX/XXXX Bank of America- {$9000.00} opened XX/XX/XXXX Bank of America- {$2900.00} opened 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 2025-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: SC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$130.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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:
I am filing this complaint against the credit reporting agencies Equifax, Experian, and TransUnion for their failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding fraudulent accounts that have been reported under my name. 

I am a victim of identity theft. The following fraudulent items continue to appear on my personal credit file : XXXX XXXX a fraudulent closed charged off account with a balance of {$4900.00} opened in my name, which I never applied for or used. 

XXXX XXXX XXXX Credit Card a closed business account fraudulently opened in my name, with a balance of {$1200.00} which I never applied for or used. 

Despite my repeated submissions of FTC Identity Theft Reports, government-issued identification, and other supporting documents, the credit reporting agencies continue to treat my complaints as ordinary disputes rather than identity theft claims. 

Violations by the XXXX XXXX XXXX : Failure to comply with FCRA XXXX, which requires the blocking of information resulting from identity theft within XXXX business days of receiving proof ; Failure to properly investigate and remove inaccurate information under FCRA 611 ; Continuing to allow negative reporting from fraudulent accounts despite clear evidence of identity theft. 

These agencies refusal to act as required by law has caused severe harm to my XXXX XXXX and financial well-being.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: IL

Complaint narrative:
I am filing this complaint against the credit reporting agencies Equifax, XXXX XXXX XXXX  for their failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding fraudulent accounts that have been reported under my name. 

I am a victim of identity theft. The following fraudulent items continue to appear on my personal credit file : XXXX XXXX a fraudulent closed charged off account with a balance of {$4900.00} opened in my name, which I never applied for or used. 

XXXX XXXX XXXX Credit Card a closed business account fraudulently opened in my name, with a balance of {$1200.00} which I never applied for or used. 

Despite my repeated submissions of FTC Identity Theft Reports, government-issued identification, and other supporting documents, the credit reporting agencies continue to treat my complaints as ordinary disputes rather than identity theft claims. 

Violations by the XXXX XXXX XXXX : Failure to comply with FCRA XXXX, which requires the blocking of information resulting from identity theft within XXXX business days of receiving proof ; Failure to properly investigate and remove inaccurate information under FCRA 611 ; Continuing to allow negative reporting from fraudulent accounts despite clear evidence of identity theft. 

These agencies refusal to act as required by law has caused severe harm to my credit score and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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 filing this complaint against the credit reporting agencies Equifax, Experian, and TransUnion for their failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding fraudulent accounts that have been reported under my name. 

I am a victim of identity theft. The following fraudulent items continue to appear on my personal credit file : XXXX XXXX a fraudulent closed charged off account with a balance of {$4900.00} opened in my name, which I never applied for or used. 

XXXX XXXX XXXX Credit Card a closed business account fraudulently opened in my name, with a balance of {$1200.00} which I never applied for or used. 

Despite my repeated submissions of FTC Identity Theft Reports, government-issued identification, and other supporting documents, the credit reporting agencies continue to treat my complaints as ordinary disputes rather than identity theft claims. 

Violations by the XXXX XXXX XXXX : Failure to comply with FCRA XXXX, which requires the blocking of information resulting from identity theft within XXXX business days of receiving proof ; Failure to properly investigate and remove inaccurate information under FCRA 611 ; Continuing to allow negative reporting from fraudulent accounts despite clear evidence of identity theft. 

These agencies refusal to act as required by law has caused severe harm to my XXXX XXXX and financial well-being.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust 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 non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Despite submitting formal dispute letters on XXXX, the credit reporting agencies continue to maintain multiple unverifiable, inaccurate, and outdated tradelines : XXXX ( Acct # : XXXX ) Chargeoff balance of {$14000.00} unchanged since 2020, with no validation provided. 
XXXX XXXX XXXX XXXX ( Acct # : XXXX ) False XXXX late payments reported after account closure. 
XXXX BANK XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX  ) Small chargeoff ( {$140.00} ) with no activity or documentation since 2020. 

These actions violate multiple sections of the Fair Credit Reporting Act, including 1681i, 1681e ( b ), 1681s2 ( b ), and 1681c. 
I previously submitted dispute letters and have provided supporting 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 2025-07-29 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I applied for an AMEX XXXX on XX/XX/year> and while doing so XXXX of the questions on the application was income source which I selected XXXX  because I am XXXX XXXX XXXX XXXX. A month later I get charged the annual AMEX XXXX card fee which is supposed be refunded for current XXXX  members under XXXX. I contact customer service to enquirer as to why the annual fee was charged to my account. Customer service rep says I didnt have an XXXX XXXX submitted and to upload documents to a portal to verify my military eligibility. I uploaded to their portal an extract copy of my current XXXX  orders, commonly used for civ employers and mil benefits. 

On XX/XX/XXXX I get an email saying I didnt qualify for the XXXX XXXX but no other explanation and fees would continue to be charged. Called the customer service number and the rep said the documents I uploaded would not suffice for XXXX eligibility and that the company contacted the XXXX who also couldnt verify my military status. XXXX said I would have to contact XXXX and sort it out with them and that AMEX XXXX do anything about it. I uploaded another copy of my military orders this time the full version not commonly used to verify military status and also screenshot of me logged into my XXXX account. 

XX/XX/XXXX I get another denial email from AMEX this time it says my XXXX XXXX status disqualifies me for CRA even though I am just trying to get the XXXX benefit to have the annual fee waived which I had expressed was my intent both times I called customer service. They said I would have to resubmit documents and request XXXX again. I expressed concern with the fact I am being charged interest on an annual fee I shouldnt have paid to begin with, Rep said nothing they can do about it. 

I havent taken action since calling them on XX/XX/XXXX, please advise what I can do to get this resolved and utilize the XXXX benefits that I am entitled to. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding LLC Have no idea who or what this company is pertaining to. 
Account is reported as a collection/charge-off with a derogatory balance. 
Please remove : No original creditor or contact listed No supporting documentation or validation has been provided The reported dates and balance are inconsistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6900.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3800.00} FAIR COLLECTIONS & OUT - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7000.00} XXXX XXXX SERVICES - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) as evidence of my claim.

According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days.

The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX - XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported.

I have made multiple attempts to contact TRANSUNION to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family.

Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response.

I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate and/or outdated information that appears on my credit report. These inaccuracies are negatively impacting my credit profile and do not reflect my true financial responsibility. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is incorrect or can not be verified. Upon careful review of my credit report, I have found several discrepancies that require immediate attention. These may include ( but are not limited to ) : Incorrect account statuses Accounts that are not mine Items reported as late or delinquent in error Inaccurate balances or credit limits Accounts falsely listed as included in bankruptcy Duplicate entries Unauthorized hard inquiries I am requesting that your agency conduct a full investigation into these matters. If the disputed information can not be verified with proper documentation, it must be promptly removed from my credit report. In support of my dispute, I am including the following documents : A copy of my government-issued ID Proof of current address ( e.g., utility bill or lease agreement ) A copy of the credit report with the disputed items highlighted Any relevant documents supporting my claims I expect the results of your investigation within the 30-day window allowed under the FCRA. Please provide written confirmation when the inaccurate information has been updated or removed. If the investigation does not resolve my dispute, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies. Thank you in advance for your prompt attention to this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation