vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Someone open mini accounts in my name, including financing vehicles, utility accounts, phone account and other 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 explanation
Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
Issue : Unauthorized or fraudulent inquiries appearing on my TransUnion credit report. 

Companies Involved : 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 Fair Resolution Requested : I respectfully request the following actions in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) : 1. Permanent removal of all fraudulent hard inquiries from my TransUnion credit report listed above.

2. Blocking of information pursuant to FCRA 1681c-2 ( a ) : Information resulting from identity theft must be blocked within four business days upon receiving proper documentation, including this FTC Identity Theft Report.

3. Written confirmation that these inquiries have been removed and will not be reinserted without proper certification per FCRA 1681i ( a ) ( 5 ) ( B ).

4. Full investigation and reinvestigation obligations under FCRA 1681i ( a ) ( 1 ) ( A ), with results of the reinvestigation provided in writing.

5. Immediate cessation of any use of this information by data furnishers, if the inquiries were obtained without a permissible purpose in violation of FCRA 1681b ( f ).

Harm and Justification : These unauthorized inquiries negatively impact my creditworthiness and were not initiated or authorized by me. They are the result of identity theft, as verified in the attached FTC Identity Theft Report ( FTC Report # XXXX XXXX. Their presence on my credit report violates my rights under federal law and undermines my ability to obtain fair credit.

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 2025-07-14 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-14 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: CBC Companies, Inc.
State: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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:
I am writing to dispute the accuracy of a collection account appearing on my credit file. I have no knowledge or connection to the alleged debt, and I believe this information has been reported as a result of 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 2025-07-14 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: C/C Financial
State: DE

Complaint narrative:
UNDER SECTION 611 5 A of THE FCRA YOU ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFLED.THE COMPANY HAVE IGNORED MY REQUEST TO PROVIDED ME WITH THE DOCUMENTS THAT WAS USED TO VERIFY THIS ACCOUNT.

FAILED TO VERIFY AND VALIDATE ALL DATA FOR THIS ACCOUNT. EVERY NOTATION, DATES AND BALANCES. THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY VIA FRA SECTION 609 MY INFORMATION WAS EXPOSED IN THE DETA BREACH

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: OneMain Finance Corporation
State: DE

Complaint narrative:
UNDER SECTION 611 5 A of THE FCRA YOU ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFLED.THE COMPANY HAVE IGNORED MY REQUEST TO PROVIDED ME WITH THE DOCUMENTS THAT WAS USED TO VERIFY THIS ACCOUNT.

FAILED TO VERIFY AND VALIDATE ALL DATA FOR THIS ACCOUNT. EVERY NOTATION, DATES AND BALANCES. THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY VIA FRA SECTION 609 MY INFORMATION WAS EXPOSED IN THE DETA BREACH

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: CCS Financial Services, Inc.
State: DE

Complaint narrative:
UNDER SECTION 611 5 A of THE FCRA YOU ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFLED.THE COMPANY HAVE IGNORED MY REQUEST TO PROVIDED ME WITH THE DOCUMENTS THAT WAS USED TO VERIFY THIS ACCOUNT. 
FAILED TO VERIFY AND VALIDATE ALL DATA FOR THIS ACCOUNT. EVERY NOTATION, DATES AND BALANCES. THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY VIA FRA SECTION 609 MY INFORMATION WAS EXPOSED IN THE DETA BREACH

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 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date : XX/XX/year> Capital One RE : DEMAND FOR DELETION OF ACCOUNT ENDING IN XXXX DUE TO XXXX XXXX, FCRA, AND FDCPA VIOLATIONS To Whom It May Concern, This letter is a formal demand for the immediate deletion of the following account from all consumer reporting agencies under your control. Upon review of my credit reports, I have identified significant legal violations that require urgent attention. 

The following account number is included in this dispute and demand for deletion : Account # : Capital One ending in XXXX Metro 2 Compliance Violations : - Improper use of compliance condition codes ( e.g., failure to mark account as disputed ).

- Reporting charge-offs inaccurately with incorrect balance or status.

- Violating the standard reporting format required for Metro 2 compliance.

- Misleading status updates that affect scoring algorithms.

Fair Credit Reporting Act ( FCRA ) Violations : - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Inaccurate reporting of information.

- 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable investigation of disputes.

- 15 U.S.C. 1681e ( b ) : Failure to maintain accurate and up-to-date information.

- 15 U.S.C. 1681n & 1681o : Willful and negligent noncompliance with FCRA.

Fair Debt Collection Practices Act ( FDCPA ) Violations ( if applicable ) : - 15 U.S.C. 1692e ( 8 ) : Failure to report account as disputed.

- 15 U.S.C. 1692g ( b ) : Continued collection and reporting without validation.

Due to the violations cited, you are hereby demanded to permanently delete the above-referenced account from all credit bureaus ( XXXX XXXX XXXX XXXX ) within 15 days of receiving this notice. Failure to do so will result in immediate escalation to the CFPB, FTC, and state Attorney General, and I will seek legal remedy including actual and statutory damages as provided by federal law. 

This is your final opportunity to resolve this matter amicably. I request written confirmation that this account has been removed from my credit file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: AZ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-14 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:
I noticed an inaccurate or suspicious item on my credit report related to XXXX XXXX XXXX The amount listed is {$1700.00}, XXXX and I have no knowledge of authorizing or initiating this account or transaction. I contacted the company on [ insert date you reached out ] and requested validation of the debt under my rights provided by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite my request, I have not received any adequate proof or validation from the company, and the account continues to appear on my credit report, negatively impacting my score and ability to obtain credit. I also submitted a formal dispute to the credit bureaus on [ insert date ], and they were unable to verify the information. 

I believe this entry may be the result of identity theft, reporting errors, or a failure to verify the debt properly. Furthermore, this may be connected to the major data breaches that occurred this year, which could have exposed my personal information. 

I am requesting that this item be permanently deleted from my credit report within five ( 5 ) days as required under the law when an item can not be verified or is the result of fraud or inaccurate reporting. Please take immediate action to investigate this matter and ensure my credit report is corrected.

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 2025-07-14 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: LEXISNEXIS
State: MI

Complaint narrative:
XXXX has not started my dispute investigation nor did they act in good faith in responding to my request for confirmation of my dispute letter in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: EQUIFAX, INC.
State: MI

Complaint narrative:
TransUnion has not started my dispute investigation nor did they act in good faith in responding to my request for confirmation of my dispute letter in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by the credit bureaus. I submitted a complaint to the credit bureaus regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, the credit bureaus are legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from the credit bureaus. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that the credit bureaus address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX. 
My email is XXXX, and my phone number is XXXX. 
My Experian Membership ID is XXXX. 
The Experian case number is XXXX. 

I am the victim of identity theft. Someone took over my Experian account more than XXXX months ago and I still can not regain access. 

The most concerning part is that I already had a credit freeze in place with Experian. Despite that, someone was able to take full control of my online Experian account. They changed the phone number, added a PIN, and set up security questions that I never created. 

On XX/XX/year>, I received a notification about changes to my Experian profile. I did not authorize these changes. When I tried to log in, my password no longer worked. I have not been able to recover the account because the attacker changed all recovery options. 

I submitted all required verification documents to Experian twice. This included my government-issued ID ( front and back ), my Social Security card ( front and back ), and proof of address. I also filed a report at XXXX. 

Experian keeps sending me automated emails with links to reset my password, but I can not use them. The PIN and security questions were set by the identity thief, not by me. I am completely locked out. 

I have contacted customer service many times but always get routed to automated systems or placed on hold for hours without resolution. 

It has now been more than 60 days. My credit score has already dropped by more than XXXX points, and I am afraid of further damage. 

Experian failed to protect my account even though I had a credit freeze in place. I am asking the CFPB to intervene and require Experian to properly investigate the case, restore access to me, remove all unauthorized changes, and confirm whether any credit activity has been done in my name.

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 2025-07-14 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: FL

Complaint narrative:
Ive made several attempts to address the inaccuracies on my credit report through the proper channels, but nothing has been resolved, and Ive reached my limit. These unresolved errors have caused me significant frustration and many sleepless nights, as they continue to unfairly damage my credit score and prevent my credit applications from being approved. The emotional and financial toll is overwhelming.

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 2025-07-14 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: TN

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

1681c-2 ) that you, the Equifax Information Services , 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 Address : XXXX XXXX XXXX XXXX XXXX TN XXXX ACCOUNTS : XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$14000.00}

Company response to consumer: Closed with non-monetary relief