vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are multiple fraudulent hard inquiries on my credit report that I did not authorize or initiate. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be investigated and removed immediately. 



Details of the Dispute : I am disputing the following 10 hard inquiries that appear on my credit report. These inquiries are not mine, and I did not give anyone permission to access my credit or submit credit applications on my behalf : 1. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> Type : XXXX XXXX XXXX : ( XXXX ) XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/year> Type : All Banks - Non Specific Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/year> Type : Finance Companies Phone : Not listed 4. XXXX XXXX XXXX Inquiry Date : XX/XX/year> Type : Auto Financing Companies Phone : ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/year> Type : Auto Financing Companies Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/year> Type : Auto Financing Companies Phone : ( XXXX ) XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/year> Type : XXXX XXXX Companies Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/year> Type XXXX Auto Financing Companies Phone : ( XXXX ) XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/year> Type : Automobile Dealers, Used Phone : ( XXXX ) XXXX XXXX. XXXX / XXXX XXXX XXXX Inquiry Date : XX/XX/year> Type : Automobile Dealers, Used Phone : ( XXXX ) XXXX Formal Request for Removal : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting the immediate deletion and blocking of these inquiries from my credit file. These inquiries were made without my authorization and are a direct result of identity theft.

Supporting Documentation : I have included the following documents to support my claim : Identity theft report ( police & FTC affidavit ) Government-issued photo ID Requested Resolution : 1. Immediate removal of all 10 unauthorized inquiries listed above.

2. Written confirmation that these items have been deleted from my credit file.

3. Proof that these companies have been notified to cease any further credit activity in my name.

4. An updated copy of my credit report showing the corrected information.

Legal Notice : I appreciate your attention to this urgent matter and request a timely resolution in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-23 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 am sending to dispute the inclusion of this items on my credit report, as it was opened fraudulently by an individual using my stolen personal information ; pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), I am formally requesting that this item be permanently delete from my credit file, as I have provided a valid Identity Theft Report and supporting documentation that proves I am not responsible for this account. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$7500.00} XXXX XX/XX/2023

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 2025-04-23 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: NC

Complaint narrative:
I am sending to dispute the inclusion of this items on my credit report, as it was opened fraudulently by an individual using my stolen personal information ; pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), I am formally requesting that this item be permanently delete from my credit file, as I have provided a valid Identity Theft Report and supporting documentation that proves I am not responsible for this account. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$7500.00} XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
The merchant is XXXX, my purchase was for a " Drill Bit Sharpener '' on XX/XX/2025 for {$160.00}. The merchant provided false tracking numbers with both USPS and XXXX. The item associated with XXXX of these tracking numbers weighed only XXXX XXXX, the " Drill Bit Sharpener '' weighs ~ XXXX XXXX. I disputed the charge for non-delivery of goods and provided details of the false tracking-numbers/shipments. Although I have provided extensive documentation of this fraud, I have been denied a refund by both the merchant and my CITIBANK credit card.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have an issue where I have paid the balance of a credit card an the amount still lingers on my credit report I would like all of my information to become updated.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have an issue where I have paid the balance of a credit card an the amount still lingers on my credit report I would like all of my information to become updated.

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 2025-04-23 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: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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 2025-04-23 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-23 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: SC

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked I had been the victim of identity theft. I do not recognize these accounts. Please remove it from my credit report because they are hurting my ability to obtain 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 explanation
Consumer complaint received 2025-04-23 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: OH

Complaint narrative:
I do not recognize these addresses please remove them. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH 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 2025-04-23 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: MI

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX : XXXX Date Filed/Reported : XX/XX/year> Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$870.00} XXXX  XXXX XXXX * XXXX XXXX * Balance : {$430.00} XXXX  XXXX XXXX * XXXX XXXX * Balance : {$190.00} XXXX  XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00}

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 2025-04-23 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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:
CREDITOR FAILED TO COMPLY WITHIN 30 DAYS FOR investigation. Under 15 U.S.C. 168i ( a ) ( 5 ), I demand the immediate deletion of all inaccurate, outdated, or unverified account. The following CLOSED ACCOUNT on my credit report : XXXX XXXX XXXX XXXX  reported on XX/XX/XXXX and XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), Section ( 15 U.S.C. ~1692g ) ( 15 U.S.C. ~ 1635 ), YOU ARE REPORTING THIS ACCOUNT AS CLOSED YET YOU ALSO REPORT A MONTHLY PAYMENT? DELETE ACCOUNT IMMEDIATELY FOR INACCURATE REPORTING.

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 2025-04-23 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: FL

Complaint narrative:
I am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are multiple fraudulent hard inquiries on my credit report that I did not authorize or initiate. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be investigated and removed immediately. 



Details of the Dispute : I am disputing the following 10 hard inquiries that appear on my credit report. These inquiries are not mine, and I did not give anyone permission to access my credit or submit credit applications on my behalf : 1. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> Type : XXXX XXXX XXXX : ( XXXX ) XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/year> Type : All Banks - Non Specific Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/year> Type : Finance Companies Phone : Not listed 4. XXXX XXXX XXXX Inquiry Date : XX/XX/year> Type : Auto Financing Companies Phone : ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/year> Type : Auto Financing Companies Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/year> Type : Auto Financing Companies Phone : ( XXXX ) XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/year> Type : XXXX XXXX Companies Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/year> Type XXXX Auto Financing Companies Phone : ( XXXX ) XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/year> Type : Automobile Dealers, Used Phone : ( XXXX ) XXXX XXXX. XXXX / XXXX XXXX XXXX Inquiry Date : XX/XX/year> Type : Automobile Dealers, Used Phone : ( XXXX ) XXXX Formal Request for Removal : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting the immediate deletion and blocking of these inquiries from my credit file. These inquiries were made without my authorization and are a direct result of identity theft.

Supporting Documentation : I have included the following documents to support my claim : Identity theft report ( police & FTC affidavit ) Government-issued photo ID Requested Resolution : 1. Immediate removal of all 10 unauthorized inquiries listed above.

2. Written confirmation that these items have been deleted from my credit file.

3. Proof that these companies have been notified to cease any further credit activity in my name.

4. An updated copy of my credit report showing the corrected information.

Legal Notice : I appreciate your attention to this urgent matter and request a timely resolution in writing.

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 2025-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor have you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ).

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance.

Documentation Still Required : Despite my prior request, you have not produced any of the following : 1. A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2. Records or communications used to verify the accuracy of the disputed information ; 3. Documentation outlining your reinvestigation procedure and final findings.

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified.

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation fols ; Legal fees anr actual damages, including emotional distress and credit deniad court costs, if litigation becomes necessary. 
Bankruptcy XXXX XXXX Discharged reference 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 2025-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
Account was opened fraudulently for approximately XXXX, my personal information and inaccurate information has been used to secure this loan and now it is popping up on my credit report. I have filed identity theft report and company is still trying to deem me the owner of this account

Company response to consumer: Closed with explanation