vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Social Security Number : XXXX XXXX Phone XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It XXXX Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. 

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following accounts must be removed immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX SERVI XX/XX/XXXX XXXX XX/XX/XXXX Factual Data Consume XX/XX/XXXX The following account must be removed Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : XXXX. FTC XXXX Theft Report XXXX. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary. 

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 

Thank you for your immediate attention to this matter. 

I can be reached at the contact information above if further clarification is needed. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Social Security Number : XXXX XXXX Phone XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It XXXX Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. 

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following accounts must be removed immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX SERVI XX/XX/XXXX XXXX XX/XX/XXXX Factual Data Consume XX/XX/XXXX The following account must be removed Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : XXXX. FTC XXXX Theft Report XXXX. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary. 

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 

Thank you for your immediate attention to this matter. 

I can be reached at the contact information above if further clarification is needed. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NJ

Complaint narrative:
To Whom It XXXX Concern I am filing this CFPB complaint because multiple accounts are being reported inaccurately and without proper verification, violating FCRA 602 ( A ), 607 ( B ), 611 ( A ), and 623 ( A ) ( 1 ) ( A ). I have requested correction, yet the bureaus and furnishers continue reporting unverified and incorrect information, causing harm and confusion. I am requesting immediate reinvestigation and removal or correction of all disputed items. 

XXXX XXXX Open Date XX/XX/XXXX High Credit {$1800.00} Charge Off I have no knowledge of this account and no verified documentation has ever been provided. 
FCRA 602 ( A ) FCRA 607 ( B ) FCRA 611 ( A ) FCRA 623 ( A ) ( 1 ) ( A ) XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX High Credit {$500.00} Charge Off I have no knowledge of this account and it is being reported without proper verification. 
FCRA 602 ( A ) FCRA 607 ( B ) FCRA 611 ( A ) FCRA 623 ( A ) ( 1 ) ( A ) XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX High Credit {$300.00} Charge Off I have no knowledge of this account and the furnisher has failed to validate it. 
FCRA 602 ( A ) FCRA 607 ( B ) FCRA 611 ( A ) FCRA 623 ( A ) ( XXXX ) ( A ) XXXX BANK XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment The late payment history is inaccurate because I have never made a late payment. 
FCRA 602 ( A ) FCRA 607 ( B ) FCRA 611 ( A ) FCRA 623 ( A ) ( 1 ) ( A ) I request immediate correction and deletion of all unverifiable and inaccurate reporting.

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 2025-11-26 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:
XXXX XXXX XXXX XXXX XXXX, CA, XXXX ( XXXX ) XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Request for Immediate Removal of Accounts Compromised in TransUnion Data Breach Dear TransUnion Compliance Officer, I am writing in reference to the letter I received from TransUnion acknowledging that my personal information was included in a recent data breach. The letter confirmed that my private data was accessed without authorization and that my identity was potentially compromised. 
Despite this acknowledgment, the fraudulent or inaccurate accounts listed below remain on my credit file, directly resulting from TransUnions own breach of consumer data security. Under the Fair Credit Reporting Act ( FCRA ), you are required to maintain accurate and secure consumer information. Because the breach originated from your system and compromised my personally identifiable information, I am formally demanding the immediate removal of the affected accounts from my credit report. 
The following accounts must be deleted from my credit file effective immediately : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX / XXXX XXXX. XXXX XXXX / XXXX These accounts were either fraudulently created or altered due to the security failure acknowledged by TransUnion. Your failure to remove them constitutes ongoing harm and negligence in safeguarding my data, contrary to 15 U.S.C. 1681e ( b ) and 1681i of the FCRA. 
Please conduct a full reinvestigation within the legally mandated time frame and provide written confirmation once these accounts have been permanently deleted from my report. 
Attached as Exhibit A is a copy of the TransUnion Breach Acknowledgment Letter I received as evidence of your prior admission of this security compromise. 
If this matter is not resolved within the statutory period, I will have no choice but to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider civil action for damages resulting from TransUnions data breach and ongoing failure to ensure data integrity. 
Thank you for your prompt attention to this urgent matter. I expect a written response within 30 days as required under federal law. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Exhibit A TransUnion Breach Acknowledgment Letter Copy of Drivers License / Identification ( if applicable ) Copy of Proof of Address ( if applicable )

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 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CO

Complaint narrative:
I bank with US Bank, and I am a XXXXXXXX XXXX XXXX who relies on my benefits every month to live. On XX/XX/XXXX, my identity was stolen and I canceled my card. I did this at the bank, in person and I took out the remaining balance from my checking account after being ripped off by unknown people leaving me little money. Somehow my account went negative {$.00} and the bank closed my account yesterday, the day before my social security deposit hit, and now they are telling me that it will take 10 days for the account to totally close and they will jot give me access to my deposit stating that their policy forces them to hold that money until the account is fully closed, 10 business days from today, and they will hold my XXXX deposits until that day and then mail a cashiers check to my old address. I am homeless living in a shelter since my identity was stolen. They will jot bend their policy stating that they have the right to close my account for the negative XXXX cents and they will not allow me to pull the money out at a bank locally. I am destitute and broke, and have XXXX recourse from this bank.

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 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
Receive a {$2000.00} XXXX gift card from my company. 
Used twice successfully - remaining balance XXXX XX/XX/year>- tried to use - declined at store. Called number on back - was told card was inactive and they couldn't do anything. Later that day called back to same number ( XXXX ) and verified the balance above was on the card, but it was inactive and I needed to contact my employer. Sent email to employer asking if they could help. 

XX/XX/year> - Call XXXX number and gentlemen created an XXXX XXXX ( XXXX ) with XXXX XXXX XXXX payment company. Told me I needed to send a copy of the original receipt and a XXXX copy of my ID to XXXX. 

XX/XX/year> - Got original receipt from my company. Sent that to email at XXXX with the original receipt and a copy of my latest gas bill ( name and address on it ). I was not comfortable sending a copy of my ID in an email or anytime. 

XX/XX/year> - Received email back from XXXX : We have reviewed your XXXX no. XXXX and determined that your card information has been compromised. 
In order to process a refund we require further information, please reply to this email with the following : A copy of your XXXX ID. 
Once we have received the information the case will be reviewed again. 

XX/XX/year> - Tried to contact XXXX- they just referred me back to XXXX. XXXX said they can't do anything and I would need to send that copy of my ID to get it reviewed again. 

I am not comfortable with sending a photo of my id to anyone with identify theft so rampant. At a loss for knowing what to do know to get the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
Some used my information to get a credit card or some type of credit to use a XXXX XXXX XXXX is the account they got in my name some how

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NJ

Complaint narrative:
To Whom It XXXX Concern I am filing this CFPB complaint because multiple accounts are being reported inaccurately and without proper verification, violating FCRA 602 ( A ), 607 ( B ), 611 ( A ), and 623 ( A ) ( 1 ) ( A ). I have requested correction, yet the bureaus and furnishers continue reporting unverified and incorrect information, causing harm and confusion. I am requesting immediate reinvestigation and removal or correction of all disputed items. 

XXXX XXXX Open Date XX/XX/XXXX High Credit {$1800.00} Charge Off I have no knowledge of this account and no verified documentation has ever been provided. 
FCRA 602 ( A ) FCRA 607 ( B ) FCRA 611 ( A ) FCRA 623 ( A ) ( XXXX ) ( XXXX XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX High Credit {$500.00} Charge Off I have no knowledge of this account and it is being reported without proper verification. 
FCRA 602 ( A ) FCRA 607 ( B ) FCRA 611 ( A ) FCRA 623 ( A ) ( 1 ) ( A ) XXXX  XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$300.00} Charge Off I have no knowledge of this account and the furnisher has failed to validate it. 
FCRA 602 ( A ) FCRA 607 ( B ) FCRA 611 ( A ) FCRA 623 ( A ) ( 1 ) ( A ) XXXX BANK XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment The late payment history is inaccurate because I have never made a late payment. 
FCRA 602 ( A ) FCRA 607 ( B ) FCRA 611 ( A ) FCRA 623 ( A ) ( 1 ) ( A ) I request immediate correction and deletion of all unverifiable and inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, CA, XXXX ( XXXX ) XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Request for Immediate Removal of Accounts Compromised in TransUnion Data Breach Dear TransUnion Compliance Officer, I am writing in reference to the letter I received from TransUnion acknowledging that my personal information was included in a recent data breach. The letter confirmed that my private data was accessed without authorization and that my identity was potentially compromised. 
Despite this acknowledgment, the fraudulent or inaccurate accounts listed below remain on my credit file, directly resulting from TransUnions own breach of consumer data security. Under the Fair Credit Reporting Act ( FCRA ), you are required to maintain accurate and secure consumer information. Because the breach originated from your system and compromised my personally identifiable information, I am formally demanding the immediate removal of the affected accounts from my credit report. 
The following accounts must be deleted from my credit file effective immediately : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX / XXXX XXXX. XXXX XXXX / XXXX These accounts were either fraudulently created or altered due to the security failure acknowledged by TransUnion. Your failure to remove them constitutes ongoing harm and negligence in safeguarding my data, contrary to 15 U.S.C. 1681e ( b ) and 1681i of the FCRA. 
Please conduct a full reinvestigation within the legally mandated time frame and provide written confirmation once these accounts have been permanently deleted from my report. 
Attached as Exhibit A is a copy of the TransUnion Breach Acknowledgment Letter I received as evidence of your prior admission of this security compromise. 
If this matter is not resolved within the statutory period, I will have no choice but to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider civil action for damages resulting from TransUnions data breach and ongoing failure to ensure data integrity. 
Thank you for your prompt attention to this urgent matter. I expect a written response within 30 days as required under federal law. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Exhibit A TransUnion Breach Acknowledgment Letter Copy of Drivers License / Identification ( if applicable ) Copy of Proof of Address ( if applicable )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, CA, XXXX ( XXXX ) XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Request for Immediate Removal of Accounts Compromised in TransUnion Data Breach Dear TransUnion Compliance Officer, I am writing in reference to the letter I received from TransUnion acknowledging that my personal information was included in a recent data breach. The letter confirmed that my private data was accessed without authorization and that my identity was potentially compromised. 
Despite this acknowledgment, the fraudulent or inaccurate accounts listed below remain on my credit file, directly resulting from TransUnions own breach of consumer data security. Under the Fair Credit Reporting Act ( FCRA ), you are required to maintain accurate and secure consumer information. Because the breach originated from your system and compromised my personally identifiable information, I am formally demanding the immediate removal of the affected accounts from my credit report. 
The following accounts must be deleted from my credit file effective immediately : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX / XXXX XXXX. XXXX XXXX / XXXX These accounts were either fraudulently created or altered due to the security failure acknowledged by TransUnion. Your failure to remove them constitutes ongoing harm and negligence in safeguarding my data, contrary to 15 U.S.C. 1681e ( b ) and 1681i of the FCRA. 
Please conduct a full reinvestigation within the legally mandated time frame and provide written confirmation once these accounts have been permanently deleted from my report. 
Attached as Exhibit A is a copy of the TransUnion Breach Acknowledgment Letter I received as evidence of your prior admission of this security compromise. 
If this matter is not resolved within the statutory period, I will have no choice but to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider civil action for damages resulting from TransUnions data breach and ongoing failure to ensure data integrity. 
Thank you for your prompt attention to this urgent matter. I expect a written response within 30 days as required under federal law. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Exhibit A TransUnion Breach Acknowledgment Letter Copy of Drivers License / Identification ( if applicable ) Copy of Proof of Address ( if applicable )

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 2025-11-26 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: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

Company response to consumer: Closed with explanation