vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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:
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 " reasonable 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 purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information 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 2025-09-16 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/year> I am writing to formally dispute and request a comprehensive investigation into all adverse items currently appearing on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am requesting that your agency review the legitimacy and accuracy of these items in light of recent events. 

As you are aware, there was a recent major data breach involving TransUnion, where sensitive consumer informationincluding Social Security numbers, addresses, and personal identifierswas compromised. I have strong reason to believe that my information was among the data exposed and that fraudulent activity may have occurred as a result.

Due to this breach and the risk of identity theft, I am formally disputing every negative item listed on my credit report and requesting that your office : 1. Initiate a full investigation into each adverse account or derogatory entry ; 2. Verify the accuracy, legitimacy, and ownership of each disputed item ; 3. Provide me with the results of your investigation, including the original furnisher of the data and the method of verification used ; 4. Immediately remove any item that can not be definitively verified as accurate and belonging to me.

This letter serves as a general dispute and request for reinvestigation as outlined under FCRA 611. You are required to complete this reinvestigation and provide a response within XXXX days of receipt. Any item that can not be verified must be promptly deleted from my credit file. 

For your reference, I have enclosed : A copy of my government-issued ID A recent tax return form showing my full ssn and current address Please confirm receipt of this dispute and notify me in writing of the results and any updates or corrections to my credit file. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/year> I am writing to formally dispute and request a comprehensive investigation into all adverse items currently appearing on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am requesting that your agency review the legitimacy and accuracy of these items in light of recent events. 

As you are aware, there was a recent major data breach involving TransUnion, where sensitive consumer informationincluding Social Security numbers, addresses, and personal identifierswas compromised. I have strong reason to believe that my information was among the data exposed and that fraudulent activity may have occurred as a result.

Due to this breach and the risk of identity theft, I am formally disputing every negative item listed on my credit report and requesting that your office : 1. Initiate a full investigation into each adverse account or derogatory entry ; 2. Verify the accuracy, legitimacy, and ownership of each disputed item ; 3. Provide me with the results of your investigation, including the original furnisher of the data and the method of verification used ; 4. Immediately remove any item that can not be definitively verified as accurate and belonging to me.

This letter serves as a general dispute and request for reinvestigation as outlined under FCRA 611. You are required to complete this reinvestigation and provide a response within XXXX days of receipt. Any item that can not be verified must be promptly deleted from my credit file. 

For your reference, I have enclosed : A copy of my government-issued ID A recent tax return form showing my full ssn and current address Please confirm receipt of this dispute and notify me in writing of the results and any updates or corrections to my credit file. 

Thank you for your immediate attention to this matter. 

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 2025-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I refunded my conceal carry class and XXXX XXXX insurance to the apple credit card while court was in process. Its been 2 years ago since court ended and they have been using debt harassment texhniques such as hacking into my computer and flickering the screen on and off, bizarre glitches in my apple products. I noticed it on apple products only linked to my account. They were changing the amount of books i owned. I feel extemely fearful to access my educational books on there platform it feels as if there is a block to me learning. I never had these problems before i had debt with them and to be honest never experienced any of these problems until i refunded the XXXX stuff. There were also refunds from husky armory and other things that was used to purchase and make a XXXX XXXX XXXX. Like XXXXXXXX XXXX, and a few other parts retailers. I appreciate all you help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: NC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: MN

Complaint narrative:
On XX/XX/year>, I sent a certified letter to TransUnion regarding multiple inaccurate items on my credit report. The letter was delivered on XX/XX/year>, at XXXX XXXX in XXXX XXXX, per USPS Tracking # XXXX. This correspondence requested prompt investigation and correction or deletion of the following accounts : XXXX XXXX - {$4400.00} ( account # XXXX ) XXXX XXXX - {$0.00} ( account # XXXX ) XXXX XXXX  {$2500.00} ( account # XXXX ) XXXX XXXX  - {$2300.00} ( account # XXXX ) XXXX XXXX XXXX {$4800.00} ( account # XXXX ) After receiving no response or update regarding the investigation within the time required by law, I sent a second letter on XX/XX/year>, reiterating my dispute and again requesting prompt resolution. To date, I have received no response from TransUnion.

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 2025-09-16 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: MS

Complaint narrative:
* * Subject : * * Credit Report Dispute Child Support Reporting Error Dear CFPB, My name is * * XXXX XXXX XXXX * *, and I am filing a complaint regarding inaccurate child support reporting on my * * Equifax credit report * *. 

For the last * * 60 days * *, I have requested information about this reported debt, but I have not received any written response or phone call. The reporting is inaccurate for the following reasons : * I have been making * * monthly child support payments * *. 
* I have been * * continuously employed for the past 3 years * *, but during my first year, no payments were withheld. I reported this issue, and payments were not taken until the following year. 
* In addition to the reported payments, I also provide * * weekly financial support directly to my child outside of the child support system * *. 
* My child is * * not in college at this time * *, which further raises questions about the accuracy of the debt being reported. 

This reporting is causing significant harm to my credit. Under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 * *, furnishers are required to report accurate information and promptly correct errors. Additionally, under the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e * *, false or misleading representations of debt are prohibited. Continuing to report inaccurate or outdated information may also constitute a violation of the statute of limitations on debt collection.

I respectfully request the CFPB to investigate this matter, require Equifax to provide accurate verification, and remove or correct this reporting immediately.

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of anxiety, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
On XX/XX/year>, I was sent a XXXX payment from XXXX XXXX XXXX in the amount of {$1400.00}. 
My XXXX account was linked to my email of XXXX. 
Because my email was linked directly to Citizens Bank, the XXXX was sent there. 

I do not have an open account with Citizens Bank and have not for approximately 6 months. I do not owe the bank money. 

I was advised on XX/XX/XXXX that the money would be returned. Citizens has no claim to the money as I do not owe them money NOR DO I HAVE AN OPEN ACCOUNT. 

I was advised the money would be returned. 
The money has not been returned and Citizens Bank is still holding it. 

They refuse to return the money they are holding

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-16 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) 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 4 business days of you receiving this complaint. This fraudulent account is a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned accounts are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency block all of the accounts identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: ID

Complaint narrative:
Jefferson capital continues to report accounts as a furnished of information to the consumer reporting agency. Ive already contacted them via email with screen recording to serve as proof of my conditional acceptance. I received a response they were ceasing and they were not reporting the accounts. They provided none of the proof of the documents I requested in my conditional acceptance. Yet they are still furnishing inaccurate report to all 3 consumer reporting organizations XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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:
Take steps to delete these entries within 15 days, as required under USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: NC

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA XXXX by continuing to report unverifiable information after multiple disputes.

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 2025-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX, XXXX  and XXXX  sent me a letter stating there was a major cyber information breach. causing me to receive multiple phone calls and mail from individual companies I have never done business with. Further they have my name mixed up with several other individuals. Causing major havoc on my credit situation. I see inquiries from several car dealerships, collection from companies not known to me..

Company response to consumer: Closed with non-monetary relief