vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$250.00} Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Lvnv funding llc illegally access my personal information and now has XXXX collections account that is not mine. These account is hurting my credit profile and is holding me from purchasing a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-05-30 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: MI

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late and fully paid on time. I've attached a copy of my report to this complaint on the following date XXXX I'm now requesting you investigate this account and update these payment to paid on time immediately. Thank you for your understanding and prompt action. 


XXXX XXXX XXXX XXXXXXXX

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 2025-05-30 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This letter is to notify you that I was a victim of a data breach, and fraudulent accounts now appear on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 
1681c-2 ( a ) ), I demand blocking and deletion within XXXX  days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXXXXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00}

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 explanation
Consumer complaint received 2025-05-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-30 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:
There is an account showing up on my credit report that does not belong to me. Its clearly a case of mixed or merged credit files, and this account is tied to someone elses information not mine. 

I want to be absolutely clear : I have no connection to this account, and it should have never appeared on my report in the first place. This is damaging, inaccurate, and completely unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX someone opened a city bank card using my name and my information, including my Social Security number my wifes telephone number our address and we live in XXXX, North Carolina and these purchases were made with this credit card in XXXX North Carolina at XXXX for the amount of {$230.00} that was made in on XX/XX/XXXX the next purchase was XX/XX/XXXX target at XXXX for XXXX The next one was XX/XX/XXXX in the amount of {$350.00} at XXXX in XXXX North Carolina. The next one was XX/XX/XXXX in the amount of {$640.00} at target in XXXX, North Carolina. I did not apply for this card Nor do I have this credit card in my possession. I pulled my credit report from XXXX  and put a freeze on my credit. Also filed a police report With the XXXX XXXX XXXX department. I contacted Citibank and had the account closed. on XX/XX/XXXX, I received a letter from city Bank cards saying they finished their investigation but are still going to hold me responsible for any debt owed. Whom ever Open this account used my address as the billing but Citibank cards neglected to tell me what address the card was sent to. I am a XXXX  XXXX  and XXXX  both me and my wife. This has hurt my credit report tremendously.

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 monetary relief
Consumer complaint received 2025-05-30 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: OH

Complaint narrative:
They were not allowed to use my information improperly to report the us XXXX  court did not personally give that information to report by law it is illegal and I asked that it be removed because it was used fraudulently against me without consent and by law that is illegal. It was used to prevent me from lawfully obtaining rights. 

XXXX XXXX Date:XXXX  To : Transunion Subject XXXX Formal Dispute Inaccurate XXXX Reporting ( Previously Removed by XXXX  ) Dear Transunion, I am formally disputing the XXXX  currently reported on my Transunion credit report. This entry is inaccurate, outdated, or unverifiable. Furthermore, XXXX  has already removed this XXXX  from my credit report after their own investigation, which raises concerns about the validity of the information you have on file. 

Here are the details of the disputed entry : Type : [ XXXX XXXX XXXX Case : XXXX Court Name : XXXX XXXX Filing Date : XX/XX/22 Status : remove because its illegal you didnt have a legal right to report this matter. I asked that it be removed immediately. It is against the law the us XXXX court did not give you this information it is unlawful and XXXX  has removed it off my report you guys do the same. Thank you According to the Fair Credit Reporting Act ( FCRA ), credit bureaus must maintain only accurate, complete, and verifiable data. Since another XXXX XXXX has already removed this entry, I am requesting that you verify its accuracy directly with the original source, not third-party vendors. If verification can not be obtained from the court directly, you are required to delete this entry from my file.

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 2025-05-30 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: SC

Complaint narrative:
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.

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 2025-05-30 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: FL

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XXXX XXXX, XXXX Account Name : Unknown # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: FL

Complaint narrative:
FORMAL LEGAL NOTICE OF INTENT TO SUE FOR VIOLATION OF FCRA XXXX XXXX XXXX, XXXX XXXX XXXX CT, XXXX, FL, XXXX, XXXX, XX/XX/XXXX, XXXX EQUIFAX, XXXX. XXXX XXXX, XXXX, GA XXXX. 
INTENT TO SUE FOR NON-COMPLIANCE WITH FCRA 605B ( 15 U.S.C. 1681C-2 ) DEAR EQUIFAX, I AM WRITING TO FORMALLY NOTIFY YOU OF MY INTENT TO PURSUE LEGAL ACTION FOR YOUR FAILURE TO COMPLY WITH THE FAIR CREDIT REPORTING ACT ( FCRA ) 605B, WHICH MANDATES THAT YOU BLOCK INFORMATION RESULTING FROM IDENTITY THEFT FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS UPON RECEIPT OF THE RELEVANT DOCUMENTATION. FRAUDULENT ACCOUNTS IN QUESTION : XXXX XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, DATE OPENED : XXXX, AMOUNT : {$560.00}, DEPT OF ED XXXX, ACCOUNT NUMBER : XXXX, DATE OPENED : XXXX, AMOUNT : {$4100.00}, DEPT OF ED XXXX, ACCOUNT NUMBER : XXXX, DATE OPENED : XXXX, AMOUNT : {$7400.00}, DEPT OF ED XXXX, ACCOUNT NUMBER : XXXX, DATE OPENED : XXXX, AMOUNT : {$3200.00}, XXXX, ACCOUNT NUMBER : XXXX, DATE XXXX : XXXX, AMOUNT : {$140.00}, XXXX XXXX, ACCOUNT XXXX, DATE OPENED : XXXX, XXXX : {$73.00}, XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, DATE OPENED : XXXX, AMOUNT : {$0.00}, XXXX XXXX, ACCOUNT NUMBER XXXX, DATE OPENED : XXXX, AMOUNT : {$0.00}, XXXX XXXX XXXX ACCOUNT NUMBER : XXXX, DATE OPENED : XXXX, AMOUNT : {$0.00}, XXXX XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, DATE OPENED : XXXX, AMOUNT : {$330.00}, XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, DATE OPENED : XXXX, AMOUNT : {$4500.00}, XXXX, ACCOUNT NUMBER : XXXX, DATE OPENED : XXXX, AMOUNT : XXXX, XXXX, ACCOUNT NUMBER : XXXX, DATE OPENED : XXXX, AMOUNT : {$0.00}. INCORRECT NAME : XXXX A XXXX, INCORRECT XXXX XXXX XXXX, XXXX, GA XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXXXXXX, XXXX, FL XXXX, FRAUDULENT INQUIRES : XXXX CO XXXX DATE XXXX INCORRECT EMPLOYER : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. THESE ACCOUNTS, ALONG WITH UNAUTHORIZED HARD INQUIRIES, FRADULENT COLLECTIONS, ADDRESSES, AND NAMES, HAVE BEEN FLAGGED AS IDENTITY THEFT. ENCLOSED IS A FEDERAL TRADE COMMISSION IDENTITY THEFT CRIMINAL COMPLAINT, SUBSTANTIATING THE FRAUDULENT NATURE OF THESE ACCOUNTS. YOUR CONTINUED FAILURE TO BLOCK ALL DISPUTED ACCOUNTS, COLLECTIONS, INQUIRIES, ADDRESSES, AND NAMES WITHIN THE NEXT XXXX BUSINESS DAYS, IN STRICT ADHERENCE TO THE FCRA. FURTHERMORE, I SEEK A DETAILED EXPLANATION REGARDING YOUR VERIFICATION PROCESS, PARTICULARLY HOW IT FAILED TO ADDRESS AND CORRECT THESE INACCURACIES IN MY CREDIT REPORT, RESULTING IN HARMFUL RAMIFICATIONS TO MY CREDITWORTHINESS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: MD

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please note that I am only disputing the negative reporting, not the entire account. 
Please remove the following items from my credit report immediately : Negative Report for : XXXX XXXX XXXX XXXX Department of EducationXXXX 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 explanation
Consumer complaint received 2025-05-30 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX List of Unauthorized Inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX  ] Account Number : [ 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