vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: AL

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 non-monetary relief
Consumer complaint received 2025-04-21 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute :XX/XX/XXXXBalance {$840.00} Open Date XX/XX/XXXXXX/XX/XXXX Balance {$170.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX {$2400.00} Open Date XX/XX/XXXX XXXXXX/XX/XXXX XXXX {$280.00} Open Date XX/XX/XXXX InquiriesXX/XX/XXXXDate XX/XX/XXXX XXXXXX/XX/XXXX Date XX/XX/XXXX XXXXXX/XX/XXXX Date XX/XX/XXXX XXXXXX/XX/XXXXDate XX/XX/XXXX XXXX XXXX XX/XX/XXXXDate XX/XX/XXXXXX/XX/XXXXDate XX/XX/XXXX XXXXXX/XX/XXXX Date XX/XX/XXXXXX/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 2025-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: PA

Complaint narrative:
The reporting on my credit report is incorrect. Especially the amount. Please see attached document that explains my complaint in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: CA

Complaint narrative:
Im reaching out because I recently reviewed my credit report and noticed some accounts listed that I never opened or authorized. Ive never had any dealings with these companies, and seeing them show up on my report was both confusing and alarming. Just to be clearthese accounts are not mine. I didnt open them, I didnt give anyone permission to use my information, and I have no connection to them whatsoever. It seems like my personal information may have been used without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
I have had few credit cards in my lifetime and all perfect payment history however recently I went to open it try XXXX XXXX and found out I had 3 and XXXX as well

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 2025-04-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX To Whom It May Concern : Subject : Identity Theft Dispute Under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681c ( a ) Request to Block Fraudulent and Obsolete Information I am writing to formally dispute and demand the removal of fraudulent and outdated information from my credit file, pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( identity theft ) and 15 U.S.C. 1681c ( a ) ( obsolescence rule ). Despite previous attempts to resolve these issues, the following accounts which are either the result of identity theft or have remained on my report longer than legally allowed are still being reported.

I have already submitted official police reports filed with both XXXX XXXX and XXXX XXXX, and I am issued an Identity Protection PIN each year by the IRS due to confirmed, ongoing identity theft. Your agency should already have copies of these reports and supporting documents on file. Despite this, the fraudulent accounts below remain on my credit report.

Additionally, under 15 U.S.C. 1681c ( a ), you are legally required to remove any accounts that are more than seven ( 7 ) years old, regardless of whether they were fraudulent or legitimate. If any of the accounts listed fall into this category, they must also be deleted immediately in accordance with federal law. 

Fraudulent Accounts to Be Removed : XXXXXXXX XXXX Closed : XX/XX/XXXX Last Reported : XX/XX/XXXX Credit Limit : {$800.00} Balance : {$0.00} XXXX XXXX Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Highest Balance : {$18000.00} Balance : {$0.00} XXXX. XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$160.00} XXXX. XXXX XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$350.00} XXXX. XXXX XXXX Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Credit Limit : {$300.00} Balance : {$0.00} Immediate Action Required : Block and permanently remove all fraudulent accounts listed above pursuant to 15 U.S.C. 1681c-2 Delete any accounts or derogatory marks older than seven years in accordance with 15 U.S.C. 1681c ( a ) Send written confirmation that these actions have been completed You are required by law to act within four ( 4 ) business days of receiving this notice if you have the necessary documentation which has already been provided. Your failure to take appropriate action to date is unacceptable and may constitute willful noncompliance.

I am also submitting this dispute to the Consumer Financial Protection Bureau ( CFPB ) and reserve all rights to pursue legal action under the FCRA. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the 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 2025-04-21 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: TX

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXXXXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX  - G Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: CA

Complaint narrative:
Im reaching out because I recently reviewed my credit report and noticed some accounts listed that I never opened or authorized. Ive never had any dealings with these companies, and seeing them show up on my report was both confusing and alarming. Just to be clearthese accounts are not mine. I didnt open them, I didnt give anyone permission to use my information, and I have no connection to them whatsoever. It seems like my personal information may have been used without 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 non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy and legality of the reporting and handling of my account ( # XXXX ) under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666. Specifically, I assert that your actions have violated your statutory obligations under the FCBA to properly investigate billing disputes and ensure fair treatment of consumers.

Basis of Dispute : Inaccurate Reporting : The account in question is reported as charged-off and contains multiple late payments. These entries are inaccurate, incomplete, and fail to reflect the account 's true status.

Failure to Conduct a Reasonable Investigation : I have previously raised concerns regarding these inaccuracies, but American Express has failed to conduct a proper investigation or provide adequate documentation verifying the legitimacy of these entries.

Improper Handling of Disputed Amounts : The handling of this account appears inconsistent with your obligations under the FCBA. You rebilled amounts without providing me a clear and detailed explanation of your findings and failed to resolve the matter within the required timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/scrub>XXXX  My correct Social Security number:XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX09OrlandoFloridaXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/scrub>XXXX  My correct Social Security number:XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX09OrlandoFloridaXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: Open Dealer Exchange, LLC
State: TX

Complaint narrative:
My report shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in 15 USC 1681b. I believe these inquiries were unintended, and I am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX To Whom It May Concern : Subject : Identity Theft Dispute Under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681c ( a ) Request to Block Fraudulent and Obsolete Information I am writing to formally dispute and demand the removal of fraudulent and outdated information from my credit file, pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( identity theft ) and 15 U.S.C. 1681c ( a ) ( obsolescence rule ). Despite previous attempts to resolve these issues, the following accounts which are either the result of identity theft or have remained on my report longer than legally allowed are still being reported.

I have already submitted official police reports filed with both XXXX XXXX and XXXX XXXX, and I am issued an Identity Protection PIN each year by the IRS due to confirmed, ongoing identity theft. Your agency should already have copies of these reports and supporting documents on file. Despite this, the fraudulent accounts below remain on my credit report.

Additionally, under 15 U.S.C. 1681c ( a ), you are legally required to remove any accounts that are more than seven ( 7 ) years old, regardless of whether they were fraudulent or legitimate. If any of the accounts listed fall into this category, they must also be deleted immediately in accordance with federal law. 

Fraudulent Accounts to Be Removed : XXXXXXXX XXXX Closed : XX/XX/XXXX Last Reported : XX/XX/XXXX Credit Limit : {$800.00} Balance : {$0.00} XXXX XXXX Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Highest Balance : {$18000.00} Balance : {$0.00} XXXX. XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$160.00} XXXX. XXXX XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$350.00} XXXX. XXXX XXXX Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Credit Limit : {$300.00} Balance : {$0.00} Immediate Action Required : Block and permanently remove all fraudulent accounts listed above pursuant to 15 U.S.C. 1681c-2 Delete any accounts or derogatory marks older than seven years in accordance with 15 U.S.C. 1681c ( a ) Send written confirmation that these actions have been completed You are required by law to act within four ( 4 ) business days of receiving this notice if you have the necessary documentation which has already been provided. Your failure to take appropriate action to date is unacceptable and may constitute willful noncompliance.

I am also submitting this dispute to the Consumer Financial Protection Bureau ( CFPB ) and reserve all rights to pursue legal action under the FCRA. 

Sincerely, 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 2025-04-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX To Whom It May Concern : Subject : Identity Theft Dispute Under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681c ( a ) Request to Block Fraudulent and Obsolete Information I am writing to formally dispute and demand the removal of fraudulent and outdated information from my credit file, pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( identity theft ) and 15 U.S.C. 1681c ( a ) ( obsolescence rule ). Despite previous attempts to resolve these issues, the following accounts which are either the result of identity theft or have remained on my report longer than legally allowed are still being reported.

I have already submitted official police reports filed with both XXXX XXXX and XXXX XXXX, and I am issued an Identity Protection PIN each year by the IRS due to confirmed, ongoing identity theft. Your agency should already have copies of these reports and supporting documents on file. Despite this, the fraudulent accounts below remain on my credit report.

Additionally, under 15 U.S.C. 1681c ( a ), you are legally required to remove any accounts that are more than seven ( 7 ) years old, regardless of whether they were fraudulent or legitimate. If any of the accounts listed fall into this category, they must also be deleted immediately in accordance with federal law. 

Fraudulent Accounts to Be Removed : XXXXXXXX XXXX Closed : XX/XX/XXXX Last Reported : XX/XX/XXXX Credit Limit : {$800.00} Balance : {$0.00} XXXX XXXX Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Highest Balance : {$18000.00} Balance : {$0.00} XXXX. XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$160.00} XXXX. XXXX XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$350.00} XXXX. XXXX XXXX Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Credit Limit : {$300.00} Balance : {$0.00} Immediate Action Required : Block and permanently remove all fraudulent accounts listed above pursuant to 15 U.S.C. 1681c-2 Delete any accounts or derogatory marks older than seven years in accordance with 15 U.S.C. 1681c ( a ) Send written confirmation that these actions have been completed You are required by law to act within four ( 4 ) business days of receiving this notice if you have the necessary documentation which has already been provided. Your failure to take appropriate action to date is unacceptable and may constitute willful noncompliance.

I am also submitting this dispute to the Consumer Financial Protection Bureau ( CFPB ) and reserve all rights to pursue legal action under the FCRA. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: NC

Complaint narrative:
Theres an account showing up on my credit report that doesnt belong to me. It looks like my information is being mixed up with someone elses, which is really concerning. I have no connection to this account, and it shouldnt be linked to my credit at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
I have 2 accounts that are not mine in my XXXX Credit Report and want to get them removed. 

XXXX XXXX XXXX {$1900.00} out of {$2700.00} - Inquiry was on XX/XX/XXXX XXXX XXXX {$360.00} out of {$1000.00} - Inquiry was on XX/XX/XXXX Again, these accounts are not mine and I have not seeked to open lines of credit with these lenders/providers.

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