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

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " rrting of any.

information in the file of a consumer that the consumer identifies as informaeasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purpoy report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the repotises. I do not believe any of these permissible purposes apply to the disputed items on mon that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-09 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: SC

Complaint narrative:
Hello, I am submitting this complaint regarding a late payment reported on a recently opened account that requires correction. 
The account in question is reported as late, but the reporting does not accurately reflect the terms or payment history at the time of opening. I am requesting that the credit reporting agency conduct a thorough investigation and update the account to reflect the correct status in compliance with the FCRA. Please provide written confirmation of the actions taken and an updated credit report reflecting the correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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

Complaint narrative:
Hello, I am submitting this complaint regarding a late payment reported on a recently opened account that requires correction. 
The account in question is reported as late, but the reporting does not accurately reflect the terms or payment history at the time of opening. I am requesting that the credit reporting agency conduct a thorough investigation and update the account to reflect the correct status in compliance with the FCRA. Please provide written confirmation of the actions taken and an updated credit report reflecting the correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-09-09 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: CO

Complaint narrative:
The following reporting account is fraudulent please remove now. Transunion reports- XXXX opened XXXX with the following account number XXXX. XXXX XXXX opened XXXX with the following account number XXXX, XXXX opened XXXX with account number XXXX for {$1300.00} The following reporting accounts are fraudulent please remove now. Experian reports XXXX opened XXXX XXXX the following account number XXXX and XXXXXXXX XXXXXXXX was opened XXXX with account number XXXX for {$1300.00} Equifax reports XXXX opened XXXX with the following account number XXXX and XXXXXXXX XXXX  was opened XXXX with account number XXXX for {$1300.00}

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 non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CIG FINANCIAL LLC
State: CA

Complaint narrative:
I am reporting an account that appears on my credit report with Autonation Finance that I do not recognize and did not authorize. This account is inaccurately attributed to me and appears to be the result of identity theft or clerical error. 
The account was reportedly opened in XX/XX/scrub> 2023. 
The loan type is listed as a vehicle loan with original terms of 66 months. 
The account shows a balance of {$27000.00}. 
Payment history indicates delinquencies inXX/XX/XXXX 2023, followed by the account being reported as charged-off in XX/XX/year>2023. 

At no point did I apply for, finance, or purchase a vehicle through Autonation Finance. I have never signed any loan documents with this company, nor did I authorize anyone else to open such an account on my behalf. 

This fraudulent account has caused serious harm to my credit profile. I am requesting that it be fully investigated and removed from my credit reports. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681b and 1681c ), no unverifiable or fraudulent information should remain in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: GA

Complaint narrative:
XXXX XXXX, ( SSN ) XXXX, ( Date of Birth ) XXXX/XXXX/1987, Contents of Complaint : 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 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX  accurate. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX  accurate XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

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 ( FTC Number ) XXXX proof from the XXXX 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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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

Complaint narrative:
I closed my XXXX XXXX Credit card, and XXXX XXXXXXXX kept my card open for months and then placed the account in Charged Off status when I CALLED to close it. They kept it open in a malicious attempt to collect more interest, late fees, etc. Ive called and spoken to their collection agency, hired by them to advise of the error. NO ONE has taken my issue seriously. I would like a FULL investigation into XXXX XXXX, my account, and their collection practices. I also want the account removed from my credit report till the CORRECT information is updated and I receive it in writing. I WANT ALL CALLS PULLED AND ANY ACCOUNT NOTES PERTAINING TO INBOUND CALLS PULLED AND SENT TO ME. I file complaints till this is done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
My name is on XXXX XXXX and early warning systems due to identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: IL

Complaint narrative:
I am submitting this complaint to dispute certain accounts on my credit report that I believe are inaccurately reported and request that they be investigated and removed if they can not be properly verified. 
The first accounts are with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), both showing a XXXX balance and XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX listed as a charge-off with a XXXX balance. Upon reviewing my records, I have not received proper documentation to confirm these accounts as charge-offs, and I believe the reporting may be incomplete or inaccurate. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) and FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), I have the right to dispute unverifiable or inaccurate information and request that it be removed from my credit report. 
Additionally, there is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$2400.00} that does not have a proper IRS Form XXXX filed for debts over {$600.00}. Under CRA 607 ( b ), I am entitled to dispute any unverified debts and request their removal if they can not be properly substantiated.In addition, my report lists several collections from XXXX XXXX, including accounts XXXXXXXX XXXX XXXX XXXX ( {$38.00} ), XXXXXXXX XXXX XXXX XXXX XXXX {$66.00} ), and XXXXXXXX XXXX XXXX XXXX  ( {$52.00} ), XXXX, originally from XXXX XXXX XXXX XXXX XXXX XXXX ), showing a balance of {$52.00}. I have not received adequate documentation to validate these debts. These accounts fall under FCRA 605B ( 15 U.S.C. 1681c-2 ) and FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), giving me the right to request deletion of unverifiable or inaccurate collection accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: IL

Complaint narrative:
I am submitting this complaint to dispute certain accounts on my credit report that I believe are inaccurately reported and request that they be investigated and removed if they can not be properly verified. 
The first accounts are with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), both showing a XXXX balance and XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX listed as a charge-off with a XXXX balance. Upon reviewing my records, I have not received proper documentation to confirm these accounts as charge-offs, and I believe the reporting may be incomplete or inaccurate. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) and FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), I have the right to dispute unverifiable or inaccurate information and request that it be removed from my credit report. 
Additionally, there is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$2400.00} that does not have a proper IRS Form XXXX filed for debts over {$600.00}. Under CRA 607 ( b ), I am entitled to dispute any unverified debts and request their removal if they can not be properly substantiated.In addition, my report lists several collections from XXXX XXXX, including accounts XXXXXXXX XXXX XXXX XXXX ( {$38.00} ), XXXXXXXX XXXX XXXX XXXX XXXX {$66.00} ), and XXXXXXXX XXXX XXXX XXXX  ( {$52.00} ), XXXX, originally from XXXX XXXX XXXX XXXX XXXX XXXX ), showing a balance of {$52.00}. I have not received adequate documentation to validate these debts. These accounts fall under FCRA 605B ( 15 U.S.C. 1681c-2 ) and FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), giving me the right to request deletion of unverifiable or inaccurate collection accounts.

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 2025-09-09 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: CO

Complaint narrative:
The following reporting account is fraudulent please remove now. Transunion reports- XXXX opened XXXX with the following account number XXXX. XXXX XXXX opened XXXX with the following account number XXXX, XXXX opened XXXX with account number XXXX for {$1300.00} The following reporting accounts are fraudulent please remove now. Experian reports XXXX opened XXXX XXXX the following account number XXXX and XXXXXXXX XXXXXXXX was opened XXXX with account number XXXX for {$1300.00} Equifax reports XXXX opened XXXX with the following account number XXXX and XXXXXXXX XXXX  was opened XXXX with account number XXXX for {$1300.00}

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 2025-09-09 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: CO

Complaint narrative:
The following reporting account is fraudulent please remove now. Transunion reports- XXXX opened XXXX with the following account number XXXX. XXXX XXXX opened XXXX with the following account number XXXX, XXXX opened XXXX with account number XXXX for {$1300.00} The following reporting accounts are fraudulent please remove now. Experian reports XXXX opened XXXX XXXX the following account number XXXX and XXXXXXXX XXXXXXXX was opened XXXX with account number XXXX for {$1300.00} Equifax reports XXXX opened XXXX with the following account number XXXX and XXXXXXXX XXXX  was opened XXXX with account number XXXX for {$1300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: NY

Complaint narrative:
This is unfair, illegal, fraudulent, and inequitable to me as a consumer!

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 2025-09-09 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: TX

Complaint narrative:
The following items are fraudulent and were never authorized by me. I have reported the theft to the FTC and submitted an Identity Theft Report, along with all required documentation. The continued reporting of these items violates the FCRA, specifically Section 605B, which mandates that credit bureaus block identity theft-related information. No signed contracts or valid documentation have been provided. Remove these items from my file at once. 
XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX * * * * * * * * * * * Balance : {$2500.00} XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX * Balance : {$1100.00} XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/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 2025-09-09 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I submitted a formal written request to Navy Federal Credit Union at their address ( XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) concerning several accounts that are being reported in my name. These accounts include : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} While the balances are reported as XXXX, I believe the reporting is inaccurate or unverifiable. I clearly stated in my letter that this was NOT a dispute, but a request for supporting documentation to verify the legitimacy and accuracy of the reported data. 
I specifically requested the following items for each account : A copy of the original application Full account agreements and annual disclosures Billing statements from account opening to present Any hardship or workout plan agreements Gramm-Leach-Bliley disclosures Copy of Form 1099-C, if applicable Despite my request, I have received no documentation or written response from Navy Federal Credit Union, yet these accounts continue to be reported. This appears to violate the Fair Credit Reporting Act ( FCRA 611 & 1681e ( b ) ), which requires data furnishers to report only accurate, verifiable information. It may also violate the Fair Debt Collection Practices Act ( FDCPA 809 ) if these accounts were ever placed for collection without proper validation.

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

Complaint narrative:
I see this company named Midland credit management inc in my credit report as collection I dont remember taking any credit from them so I need it to be removed from my credit report please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hi What happened was that i deposited my IRS check to my TD Bank Checking account and they decided to close my account due to the amount of the check and refuse to return the check. The check was under my full name i call the IRS and file a report and they told me there's nothing they can do because the check was already cash, I have all the IRS letter to prove it but the bank has stole my money and is refusing to give it back.

Company response to consumer: Closed with monetary relief