vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-11 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: CA

Complaint narrative:
I did not open these XXXX account. Someone stole my information. Please delete immediately. I do not recognize this account. This is identity theft. This is my 10th or 15th time sending this document all of my documents are logged and recorded. 


Upon receiving a dispute from a CRA, the furnisher must conduct a reasonable investigation into the disputed information ; " review all relevant information provided by the [ CRA ] '' in connection with the dispute ; and " report the results of the investigation to the [ CRA ].... '' [ 6 ] The furnisher must either verify the information as accurate, or if the investigation reveals that the disputed information is " inaccurate or incomplete or can not be verified, '' the furnisher must promptly modify, delete, or " permanently block the reporting of '' the information to the CRA. [ 7 ] An investigation of the disputed information " requires some degree of careful inquiry by furnishers of information. '' [ 8 ] Importantly, however, what constitutes a reasonable investigation of an identity theft dispute " will vary depending on the circumstances of the case '' and " in part on the status of the furnisheras an original creditor, a collection agency collecting on behalf of the original creditor, a debt buyer, or a down-the-line buyer-and on the quality of documentation available to the furnisher. '' [ 9 ] The closer the furnisher is to the original transaction, the more information the furnisher is expected to possess or be able to access to investigate the dispute. Merely reviewing an internal data file is not sufficient. [ 10 ] If the account level documents are no longer available due to a document retention policy, the Fourth Circuit has held that the furnisher, as the originator of the account, should have " at least informed the credit reporting agencies that [ it ] could not conclusively verify '' the disputed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello I authorized only 1 inquiry and have many from Jo Morgan chase bank I am a customer but only applied 1 time for a card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: AmeriCollect
State: GA

Complaint narrative:
XXXX XXXX {$450.00}, {$610.00}, {$2600.00}, {$3400.00} and {$1000.00} XXXX XXXX {$530.00} Americollect {$1600.00} This is reporting negative on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: I.C. System, Inc.
State: GA

Complaint narrative:
XXXX XXXX {$450.00}, {$610.00}, {$2600.00}, {$3400.00} and {$1000.00} IC System {$530.00} XXXX {$1600.00} This is reporting negative on 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 explanation
Consumer complaint received 2025-05-11 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: NC

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 2025-05-11 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:
My payment was made on time I paid off the loan on the XXXX. It reflects that on my credit report however XXXX XXXX out that I was 30 days late. Its only on my TransUnion 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
Consumer complaint received 2025-05-11 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: AZ

Complaint narrative:
EQUIFAX HAS STOLEN MY SOCIAL SECURITY NUMBER, CHANGED MY NAME TO FAKE NAME : XXXX  AND POSTING XXXX FAKE ACCOUNTS ON MY EQUIFAX CREDIT REPORT. PER FACTA AND FCRA THESE ARE TO BE BLOCKED IMMEDIATELY : XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX AND XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Equifax : Please be advised that you are reporting the wrong Address and NAME information and Employment on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated.

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 2025-05-11 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: FL

Complaint narrative:
Dear Equifax : Please be advised that you are reporting the wrong Address and NAME information and Employment on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated.

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 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Entrata Inc.
State: PA

Complaint narrative:
Hello my XXXX is XXXX XXXX XXXX I've been applying to apartments and been getting denied due to credit being report from resident verify stating my credit is at a XXXX on one of my applications and the other is XXXX and both scores are at least XXXX points of my actual score which is around a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: MD

Complaint narrative:
the following inquiries are not mine. i have not applied for credit. please remove them asap. 

These inquiries are not mine. i never applied for 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 XXXXXXXX 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 2025-05-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX XX/XX/year> XXXX Department of Education XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX Subject : Dispute of Account Information Due to Breach of FERPA and FCRA Violations To Whom It May Concern, I am writing to formally dispute the accuracy and legitimacy of the information being reported or collected in connection with the student loan account listed below. I also allege a breach of my rights under the Family Educational Rights and Privacy Act ( FERPA ) and violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) where applicable.

Account Details : Loan Servicer/Creditor : US DEPT OF EDUCATION Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Alleged Debt Amount : {$360.00}. 



Under FERPA ( 20 U.S.C. 1232g ), my educational recordsincluding financial aid and loan detailsare protected, and any unauthorized disclosure of such records to third parties ( including credit reporting agencies ) without written consent may constitute a violation of federal law. I do not recall providing proper written consent for the disclosure of this account, and I request documentation proving otherwise.

Additionally, under FCRA ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate, incomplete, or unverifiable information reported to the credit bureaus. If this debt has been reported to any credit reporting agencies, I am requesting a reinvestigation and verification of the legitimacy and accuracy of the reporting. 



If this account has been placed with a collection agency, please also take notice that under FDCPA ( 15 U.S.C. 1692g ), I am requesting full validation of the debt, including : The original agreement bearing my signature, Proof of ownership of the debt by the current holder, Proof of any disclosure authorization under FERPA, and A complete payment history.

Failure to respond with adequate validation or to correct/remove any unlawful disclosures or inaccurate credit entries may result in complaints being filed with the U.S. Department of Education , the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau XXXX CFPB ), and potentially legal action. 



Please respond in writing within XXXX  days of receipt of this letter. If you can not verify and validate the claims as required, I demand the immediate removal of the disputed items from any credit reporting and the cessation of any collection activities. 



Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-05-11 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX  XXXX XXXX on XX/XX/XXXX with a balance of {$24000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-05-11 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: NV

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 2025-05-11 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: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I just got a notice on XX/XX/2025 that the error Rocket Mortgage had corrected upon prior dispute reappeared on my credit file after waitin 30 days to have this fixed. Rocket Mortgage agreed to correct and now has recently reinserted the error. Please advise them to stop loading and incorrect info on my Credit file in violation of the fcra.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$810.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-05-11 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 2025-05-11 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 have been a victim of identity theft. My information was leaked in the Equifax data breach in XXXX and the data breach in XXXX. I have two car loan accounts that appear on my credit that I did not authorize, sign, or approve of. I have disputed these accounts and need them removed from my credit reporting immediately!!!!

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 2025-05-11 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: OH

Complaint narrative:
I have been a victim of identity theft. My information was leaked in the Equifax data breach in XXXX and the data breach in XXXX. I have two car loan accounts that appear on my credit that I did not authorize, sign, or approve of. I have disputed these accounts and need them removed from my credit reporting immediately!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: 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 non-monetary relief