vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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:
XX/XX/XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX, XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion, XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Dispute & Demand for Permanent Deletion of Fraudulent Accounts Identity Theft Victim To Whom It May Concern, I am filing this dispute regarding multiple fraudulent credit accounts that have been reported on my credit files across Experian, Equifax, and TransUnion. These accounts were identified in my FTC Identity Theft Affidavit ( Report XXXX. XXXX ) and are the result of identity theft. I have never applied for, opened, or authorized the following accounts : XXXX XXXX {$8700.00} XXXX XXXX {$12000.00} XXXX XXXX {$10000.00} XXXX XXXX {$4000.00} XXXX XXXX  XXXX  {$10000.00} These fraudulent tradelines are damaging my credit, causing collection harassment, and directly violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 
The following violations apply : FCRA 1681i ( a ) : You must conduct a reasonable reinvestigation when a consumer disputes fraudulent information.

FCRA 1681e ( b ) : You must maintain reasonable procedures to assure maximum possible accuracy. Reporting accounts that belong to another person is a violation. 
FCRA 1681c-2 ( FACTA ) : Once a consumer submits an identity theft affidavit, fraudulent accounts must be blocked from appearing on the credit file. 
FCRA 1681i ( a ) ( 5 ) ( B ) : Deleted accounts may not be reinserted unless the furnisher certifies accuracy and the bureau notifies the consumer within XXXX business days. Reinsertion of previously deleted fraudulent accounts without notice is a direct violation. 
FCRA 1681s-2 : Furnishers of information are prohibited from knowingly reporting inaccurate or fraudulent information. 
It is unlawful for any credit bureau to reinsert accounts that were already deleted as fraudulent. Doing so without proper certification and consumer notice constitutes willful noncompliance with federal law. 
I am demanding the immediate and permanent deletion of all fraudulent accounts listed above from my Experian, Equifax, and TransUnion credit reports, along with written confirmation that these accounts have been blocked under FACTA and can not be reinserted. 
If these fraudulent tradelines are not permanently deleted, I will escalate this matter with the CFPB, FTC, and the State Attorney General for enforcement and potential legal remedies. 
Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$9600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center.

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-09-25 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: MA

Complaint narrative:
I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
Equifax has repeatedly violated the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate accounts and unauthorized inquiry on my credit report, despite multiple complaints and disputes. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers must ensure accuracy, yet errors persist. Additionally, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires a reasonable investigation of disputes, which Equifax has failed to conduct. Their continued noncompliance has caused financial harm, and I request immediate corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
This complaint concerns a single Bank XXXX XXXX revolving credit account ( Account XXXX XXXXXXXX ) that is being reported inconsistently across the XXXX credit reporting agencies. 

XXXX reports the account as Paid or paying as agreed with no late payments.

Experian reports the same account as Current, was past due XXXX  days, which is contradictory. 

Equifax reports the account with a history of XX/XX/90 day late payments, even though the account is now current and in good standing. 

These XXXX agencies are reporting different and conflicting versions of the same account. This creates inaccurate, misleading, and unfair damage to my credit profile. 

I have already disputed this account multiple times directly with the credit bureaus. Despite my disputes, the inconsistent and inaccurate reporting remains. 

This situation is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681e ( b ), which requires consumer reporting agencies to assure maximum possible accuracy of the information they report. The same creditor can not have XXXX different versions of payment history depending on the bureau. 

I also filed a complaint with the Federal Trade Commission ( FTC Report XXXX XXXX ) prior to this submission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: AES/PHEAA
State: FL

Complaint narrative:
I filled out a application to separate my student loan marital consolidation. On the application I checked the box that I am not able to find my exhusband and to separate the loans without him. American education services refuses to separate the loans and stated that have to have his permission to access his part of the loans in order to gain a payoff for me. They have forced me to find and reach out to my exhusband ( I am a victim of XXXX  XXXX ) to no avail. The marital consolidation remains intact and American education services will not separate the loans even though its been passed into law that the separation can occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX ACCOUNTS : BANKRUPTCY - Account Number : XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I am submitting this complaint against TransUnion for its continued failure to accurately and fairly report bankruptcy information on my credit file, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Despite submitting written disputes on XX/XX/XXXX, and again on XX/XX/XXXX, TransUnion has not corrected multiple inaccuracies related to a Chapter XXXX bankruptcy. According to XXXX, case number XXXX was filed in the XXXX Bankruptcy XXXX for the XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, on XX/XX/XXXX, and was discharged and terminated on XX/XX/XXXX. However, TransUnion reports the case generically as XXXX Bankruptcy XXXX and lists an incomplete case number, XXXX, which does not match the official XXXX  record that clearly identifies the case as XXXX. In addition, XXXX  confirms representation by Attorney XXXX XXXX XXXX, yet TransUnion omits this information entirely, leaving the record incomplete and misleading. Furthermore, bankruptcy courts do not furnish information directly to credit bureaus, meaning TransUnion is relying on flawed third-party data that has introduced further discrepancies, such as vague court identifiers and missing disposition details. This reporting fails to meet the accuracy standards required under FCRA 1681e ( b ) and demonstrates a lack of reasonable reinvestigation under 1681i ( a ), particularly given that my prior disputes have gone unresolved.

FCRA Violations by TransUnion : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy of information.

FCRA 1681i ( a ) : Failure to conduct a reasonable reinvestigation after receipt of disputes.

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 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I paid off the total balance on my Lowe 's credit card through synchrony bank. The balance was {$1600.00}, the payment was made in XXXX. I was told that the account was being closed due to derogatory information on my credit report. I accepted the closing of the account without question because I knew I had paid the total balance. On XX/XX/year> I got an alert on my phone saying my credit score had dropped XXXX points due to delinquency. This is nearly two months after I paid the account in full. I called Lowe 's to inquire and was told that although I had paid the total balance in XXXX, there was interest still occurring because the payment was made between billing cycles. {$12.00} plus {$4.00} for fees was added to an account I was told was closed. I got no remedy talking to Lowe 's so I paid them the additional {$16.00}. At this time I asked them was everything paid in full? and I was told there was more interest occurring on the fees I had just paid. The account was closed and paid in full in XXXX yet I keep getting fees assessed.

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 2025-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report includes an account that I never opened, never consented to, and have no affiliation with. I did not apply for this account, and the company reporting it has never had my authorization to access or use my personal information. This entry is fraudulent and unjustly affecting my credit profile and causing me significant 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 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I received a check for a personal injury settlement and after depositing the cash I got from cashing it my accounts were closed the next day and my funds are being held with no reason why or way to access them.

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 2025-09-25 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This LVNV account/ XXXX  XXXX account is the result of identity theft. I have not resided in California for over 30 years and never lived at the address provided. My Social Security number was compromised. I am not responsible for this debt.

Company response to consumer: Closed with explanation