vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 : 1XXXX XXXX XXXX XXXX - Under 15 USC 1666 Billing Error - Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in Fisher v. XXXX XXXXXXXX XXXX XXXX ( D. Ariz. 2018 ). Please provide validating documents. 
2. XXXX XXXX XXXXXXXX - Under 15 USC 1666 Billing Error - Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in Fisher v. XXXX XXXXXXXX XXXX XXXX ( D. Ariz. 2018 ). Please provide validating documents. 
3. XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Under 15 USC 1666 Billing Error - Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in Fisher v. XXXX XXXX XXXX XXXX ( D. Ariz. 2018 ). Please provide validating documents. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( XXXX ) 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 2025-06-09 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Truist Bank reported last payment being received was on XX/XX/year> but still shows account in charged off status during that month and year which makes the information 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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello. I am writing to request the correction of inaccurate personal information on my credit report. I've noticed that some errors in my report, particularly the incorrect addresses listed, have caused issues with my credit applications, which is extremely XXXX Please take action on this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX To : Experian P.O. XXXX XXXX XXXX, TX XXXX RE : Urgent Request to Remove XXXX XXXX Charge-Off Identity Theft / FCRA & Metro 2 Violations Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It XXXX Concern : I am writing to formally dispute the accuracy and legality of a XXXX XXXX  charge-off account being reported on my credit file. I am the victim of identity theft and previously filed a formal FTC Identity Theft Report in XXXX, which was submitted to both Experian and XXXX XXXX. This account is fraudulent and should not be attributed to me. 

As of XX/XX/XXXX, Experian responded to my Method of Verification ( MOV ) request stating I XXXX be a victim of identity theft, yet this account remains on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. 

This letter serves as a final formal demand for deletion based on the following violations : Violations of the Fair Credit Reporting Act ( FCRA ) : XXXX Failure to block identity theft information within XXXX business days of receiving proper documentation 611 ( a ) ( 7 ) Failure to provide Method of Verification documents 623 ( a ) ( 6 ) Failure to mark the account as disputed or notify consumer accurately 623 ( a ) ( 1 ) ( A ) Continued furnishing of inaccurate information Metro 2 Compliance Violations : Failure to use Special Comment Code Z ( Confirmed Identity Theft ) Failure to apply Compliance Condition Code F ( Fraudulent ) Continued reporting of unverifiable, fraudulent data in violation of XXXX XXXX standards XXXX Requested : Immediately block and delete the XXXX XXXX tradeline from my credit report Send written confirmation of the removal within 15 calendar days Cease all future reporting of this tradeline under FCRA 623 ( a ) ( 2 ) I am prepared to escalate this matter to the Consumer Financial Protection Bureau XXXX Federal Trade Commission XXXX and pursue legal action in Texas XXXX XXXX XXXX XXXX FCRA 1681n and 1681o for statutory and punitive damages. 

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 2025-06-09 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: AR

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silencXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX XXXX balance {$230.00}, XXXX XXXX balance {$140.00},

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 2025-06-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 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 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 2025-06-09 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: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: LEXISNEXIS
State: NY

Complaint narrative:
I am requesting the Consumer Financial Protection Bureau ( XXXX  ) to immediately take enforcement action against XXXX and LexisNexis for multiple and repeated violations of federal law. I submitted written disputes, identity theft documentation, and supporting materials over XXXX  days ago ( date of the letter ), and they failed to comply with statutory duties under the Fair Credit Reporting Act ( XXXX  ) and related federal laws. This delay constitutes additional violations. 

Violations Committed : XXXX U.S.C. XXXX, FCRA XXXX ( b ) : Failure to ensure maximum possible accuracy FCRA XXXX ( a ) ( XXXX ) ( A ) : Failure to investigate disputes within XXXX  days FCRA XXXX ( a ) ( XXXX ) : Failure to reinvestigate and issue findings XXXX U.S.C. XXXX : Failure to notify consumer of alleged debts XXXX XXXX ( XXXX U.S.C. XXXX ) : Failure to safeguard consumer information XXXX U.S.C. XXXX : Identity theft and misuse of personal data XXXX U.S.C. XXXX ( XXXX ) : Failure to provide victim assistance ( fraud alerts, recovery tools ) XXXX / CDIA Violations : Noncompliance with industry reporting standards New York XXXX XXXX XXXX XXXX XXXX XXXX. : Violations related to identity theft and consumer fraud under New York XXXX XXXX Fraudulent and Inaccurate Accounts to Be Removed : COLLECTION : XXXX XXXX Account Number : XXXX * * * Laws Violated : XXXX U.S.C. XXXX, XXXX ; FCRA XXXX ( b ), XXXX ( a ) ; XXXX XXXX XXXX ; New York XXXX XXXX Request : REMOVE AND BLOCK THIS ACCOUNT IMMEDIATELY. 


COLLECTION : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX * * * * Laws Violated : XXXX U.S.C. XXXX ; FCRA XXXX ( b ), XXXX ( a ) ; XXXX XXXX XXXX ; New York XXXX XXXX Request : REMOVE AND BLOCK THIS ACCOUNT IMMEDIATELY. 
Requested Relief from the CFPB : Enforce immediate removal and blocking of all fraudulent accounts listed above. 
Compel deletion of all unauthorized hard inquiries. 
Mandate removal of inaccurate personal information, including addresses and employers. 
Require written confirmation from all three credit bureaus, including updated credit reports. 
Ensure that identity theft protections ( e.g., fraud alerts ) are implemented as required by law. 
Initiate investigation and sanctions for failure to comply with FCRA deadlines. 
Fine or discipline bureaus for their willful neglect of legal obligations. 

Supporting Documentation Previously Submitted to Bureaus : Government-issued photo ID Social Security card Police report documenting identity theft Proof of current address Original dispute letters dated XX/XX/year> Declaration : I affirm under penalty of perjury that the statements made in this complaint are accurate and true to the best of my knowledge. I respectfully request urgent enforcement by the CFPB to protect my rights and remove damaging, false, and fraudulent information from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a formal and valid complaint that warrants immediate corrective action. My credit report contains demonstrably inaccurate information that violates the required standard of maximum possible accuracy. These inaccuracies are inflicting serious and ongoing damage to my financial reputation and overall well-being. I demand an immediate and comprehensive investigation, with all false or unverifiable entries corrected or permanently removed without delay. This issue must be resolved at once failure to act is unacceptable.

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I requested Equifax to change my DOB from XX/XX/XXXX to XX/XX/XXXX. I uploaded my ID as proof of identity. The investigation was complete on XX/XX/XXXX which requested me to upload and ID or birth certificate, which I've provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, our XXXX XXXX frequent flyer account was hacked by an unknown individual. The hacker changed the account password, email address, and phone number. They also replaced the saved credit card on the account with XXXX belonging to an individual named XXXX XXXX, whose listed address is XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX. We do not know XXXX XXXX, and we are unsure if he is involved in the theft or if his credit card was also stolen and used fraudulently. Using our stolen airline miles, the individual ( XXXX ) booked a round-trip flight from XXXX ( XXXX ) to XXXX ( XXXX ) XXXX departing on XX/XX/year>, and returning on XX/XX/year>. XXXX tickets were purchased using our account. XXXX ticket was issued in my name ( the account holder ) because the system requires the account owner 's name for redemption. However, I did not book this trip, and I did not fly. I do not know the people who used the tickets. The other XXXX tickets were booked under the names XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I believe these may be their real names, as they would have needed valid ID to pass through XXXX XXXX and board the flight. 
XXXX XXXX XXXX mileage points - account hacked, value {$330.00} * XXXX XXXX was informed of the hack on XX/XX/year> when we discovered the issue. 
* XXXX XXXX advised us they would restore the points, etc. verbally. 
* Per the FTC website, a letter was sent to XXXX XXXX by mail on XX/XX/year> * As of XX/XX/year>, my points have not been restored and I have received no further correspondence from 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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Hi, I am writing to correct my personal information on my credit report as it is inaccurate and I am having trouble with my credit applications because of it which is extremely frustrating. Please take action on this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: MA

Complaint narrative:
Tuesday XXXX tried to send money to my employee via XXXX. Message said XXXX is down. Tried several times over the day. Login to us bank XXXX. Called support line. Told me to wait XXXX hours. No reason or guidance provided. Hold unreversible. 

Wednesday XXXX login successful. Tried to send money to employee via XXXX. Message says XXXX is down again. Called support again. Told to wait another XXXX hours. Hold unreversible. Called complaint line. Filed a complaint. Advisor on phone advised me to clear browser cache on laptop and delete/redownload mobile app on phone. Hold unreversible. 

Thursday XXXX XXXX and XXXX successful after following directions of advisor. 

Monday XXXX login successful. Tried to transfer money into us bank account via ACH. Transaction failed. Login disabled. Called customer support. Told to wait another XXXX hours. Hold unreversible. Called technical support. Told to wait another XXXX hours, login disabled without any assistance or reason. Hold unreversible. Called manager line. Filed a complaint. No reason or guidance provided. Hold unreversible. Told me I need to wait XXXX hours.

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 2025-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
An account was opened with XXXX XXXX in my name in 2023. It is not mine, and I did not authorize it. XXXX has sold the defaulted account to Midland Credit Management, a credit collection agency, which is suing me in the North Carolina XXXX XXXX for an outstanding balance of {$4000.00}. I was served with a summons on XX/XX/XXXX, which I have 30 days to answer. This collection agency has failed to provide a signed agreement or contract connecting me to this account, despite my repeated requests through their attorneys. In the court complaint/Summons, their attorneys claim that no signed agreements or contracts exist. This should be considered harassment and intimidation. XXXX XXXX has made the process too easy for fraud to happen. I have since filed an FTC complaint and installed a fraud alert on all three credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Reporting information on a consumers credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them to place such information on my consumer report because my privacy rights have been violated. I am demanding the company block and remove the inquires/account from my consumer report no later than XXXX business days after such informationIveprovided.

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 2025-06-09 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 CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all XXXX XXXX XXXX REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX  listed below : 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 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 2025-06-09 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 CT XXXX ACCOUNTS : XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$4900.00} CAP XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$6900.00} XXXX  XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$6000.00} XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$4600.00} XXXX CARD - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX - Account Number : XXXX XXXX * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: GA

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with XXXX XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief