vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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: NY

Complaint narrative:
Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities.

I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report.

This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit.

Thank you for your immediate action to this issue. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: NY

Complaint narrative:
Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities.

I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report.

This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit.

Thank you for your immediate action to this issue. 

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 2025-08-29 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: MO

Complaint narrative:
TransUnion is knowingly reporting false and contradictory late payment data tied to my accounts, and this misconduct is already tied to my open CFPB complaint ( Case # XXXX ). Despite multiple certified disputes, TransUnion has refused to correct or verify the accounts and continues to publish data that is structurally impossible under Metro 2 and unlawful under the Fair Credit Reporting Act ( FCRA ). 

The following accounts are in direct violation : XXXX XXXX XXXX XXXX Acct # XXXX Reported as open with a {$0.00} balance and XXXX XXXX monthly payment, yet also coded negative with a high balance of {$11000.00}. 

Last activity shows XX/XX/XXXX, but the account is still flagged as open, creating a re-aging risk. 

No Method of Verification under 611 ( a ) ( 7 ) has ever been provided. 

This is structurally impossible under XXXX XXXX, violates FCRA 1681e ( b ) ( accuracy ), and FCRA 623 ( a ) ( 1 ) ( A ) ( furnisher duty not to report false data ). 

XXXX XXXX XXXX XXXX Acct # XXXX Reported as open and current with {$100.00} balance and XXXX XXXX monthly payment, yet also coded negative. 

Payment history shows only XXXX XXXX late in XX/XX/XXXX, which does not justify an ongoing negative status. 

Reporting an account as both current and negative is contradictory under XXXX XXXX  and a violation of 1681e ( b ).

No Method of Verification has been produced to justify these contradictions.

TransUnion is publishing inconsistent and unverifiable data : Date of Last Activity conflicts across bureaus.

Date of Last Payment is contradictory and inaccurate. 

Payment statuses are conflicting. 

No MOV has been provided despite multiple written demands. 

This is not an accident. This is willful non-compliance : FCRA 1681i ( a ) ( 1 ) ( A ) : No reasonable reinvestigation has been conducted.

FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy.

FCRA 1681s-2 ( b ) : Failure of the furnisher to correct false information after direct dispute.

FCRA 1681c ( a ) : Reporting obsolete or false payment information.

FCRA 1681n : Willful violation of federal law.

TransUnion has repeatedly ignored my disputes and continues to report unverifiable negative data, knowingly causing damage to my credit file. They have produced no documentation, no signed contracts, no payment records nothing to justify these remarks. Yet they keep publishing them.

This is reckless, unlawful, and harmful. I am a victim of the Equifax data breach, and TransUnions continued mishandling of my file is compounding that injury. 

The CFPB must intervene and enforce the law. TransUnion can not continue to report contradictory, unverifiable, and false payment data in open defiance of federal statutes.

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 2025-08-29 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:
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 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 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 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 XXXX 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, XXXX as proof from the US 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 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: OR

Complaint narrative:
Summary of Complaint Navy Federal Credit Union issued an adverse action determination on my credit application dated XX/XX/year>, citing Collection Action or Judgment allegedly reported by XXXX. This action is improper, unlawful, and contrary to multiple federal statutes, for the following reasons : Grounds for Complaint Violation of 12 U.S.C. 411 ( Federal Reserve Act ) Federal Reserve Notes are obligations of the United States and must be received and honored by all national and member banks as lawful consideration.

Navy Federal failed to extend or tender any lawful consideration in connection with my application.

Since no valid contract or exchange occurred, the application can not stand as denied. It must be treated as retracted.

Violation of the Equal Credit Opportunity Act ( 15 U.S.C. 1691 et seq. ) ECOA requires that adverse credit decisions be based on lawful, non-discriminatory grounds.

Navy Federals denial was based solely on unverified third-party data ( TransUnion ) rather than verified, substantiated obligations.

This constitutes an unlawful adverse action.

Violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) FCRA requires that information used to make adverse decisions must be accurate and verifiable.

No original instrument, proof of debt, or judicially enforceable record was provided to substantiate the alleged collection action or judgment.

Navy Federal improperly relied on unverifiable information, resulting in an unlawful adverse action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Late Payments Under FCRA Dear CFPB Representative, I am writing to formally dispute inaccurate late payment information being reported on my credit file. These accounts are negatively impacting my creditworthiness, and I request an immediate investigation in accordance with the Fair Credit Reporting Act ( FCRA ), Section 609 and 611. 

The accounts in question are as follows : XXXXXXXX XXXX XXXX XXXX missed payments XXXX XXXX - XXXX missed payments I believe these late payments are either inaccurate, incomplete, or unverifiable. I request that the credit bureaus and data furnishers provide full documentation proving the accuracy of the reported delinquencies. If they can not provide proof, these late payments must be removed from my credit file immediately. 

Please conduct a thorough investigation and provide me with written confirmation of your findings within the legally required time frame. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL, XXXX Equifax XXXX XXXX XXXXXXXX XXXX, GA XXXX Your Account Number XXXX Account Name and Balance : XXXX XXXX XXXX XXXX  {$400.00} Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX, resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, 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 2025-08-29 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.

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: CA

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

1681c2 ) that you, the Experian 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 XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4600.00} 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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am a documented fraud victim and my consumer credit files have been unlawfully accessed and polluted with multiple unauthorized inquiries. These companies never had my consent, never had a permissible purpose under FCRA 1681b, and never provided any signed authorization. Despite the fact that fraud alerts are active across all three bureaus, the bureaus have failed to block these inquiries under FCRA 605B within the required four business days. 

The following inquiries are fraudulent and unauthorized : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give them permission to pull my credit. I did not authorize them in writing, electronically, or verbally. These inquiries are the result of identity theft and data breach exposure. 

The credit bureaus have violated federal law in the following ways : FCRA 605B : They failed to block fraudulent inquiries from my file within four business days even after receiving my disputes, fraud alerts, and identity theft documentation. 

FCRA 611 ( a ) ( 7 ) : They failed to provide the legally required Method of Verification showing who verified these inquiries, how they were verified, and what documentation was used. No signed application or proof of authorization has ever been provided.

FCRA 1681e ( b ) : They failed to follow reasonable procedures to assure maximum possible accuracy by continuing to report inquiries that are false, unauthorized, and unverifiable.

FCRA 1681n and 1681o : Their actions and omissions amount to willful and negligent non-compliance with federal law. 

The continued reporting of these unauthorized inquiries has caused direct and ongoing harm to me. It lowers my credit scores, damages my creditworthiness, and exposes me to further fraud and financial injury. The bureaus are knowingly leaving false and unauthorized information in my file even after formal disputes and even while CFPB complaints are pending. 

This is reckless, unlawful, and in direct violation of my rights under federal law. 

I demand that the CFPB take immediate enforcement action to compel the deletion of all unauthorized inquiries listed above, require the credit bureaus to produce full Method of Verification including signed contracts or applications, and ensure that all bureaus comply with FCRA 605B by blocking and suppressing fraudulent information. 

The credit bureaus have ignored their legal duties and are continuing to injure me with false reporting. This is willful non-compliance that can not be excused.

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