vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: CA

Complaint narrative:
I am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are fraudulent accounts and/or inquiries on my credit report that I did not authorize or open. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be investigated, verified, and removed immediately. 

Details of the Dispute : I am disputing the following information that appears on my credit report, which I believe to be the result of identity theft : Fraudulent Accounts : 1. XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX Opened : XX/XX/XXXX Charged Off Balance : {$6700.00} 2. XXXXXXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Charged Off Balance : {$780.00} 3. XXXX XXXXXXXX Account # XXXX Opened : XX/XX/XXXX Charged Off Balance : {$630.00} 4. XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Collection Balance : {$6200.00} Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts and inquiries are not mine, and I have not given anyone permission to open or use them on my behalf. 



Formal Request for Investigation and Debt Verification : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that the credit reporting agencies block and delete these fraudulent items from my report immediately.

Under FCRA 611 ( 15 U.S.C. 1681i ), I request full debt verification. If valid evidence ( e.g., signed contract ) can not be produced, these accounts must be removed.

Compensation for False Verification : Per FCRA 616 ( 15 U.S.C. 1681n ), if any item is falsely verified, I am entitled to {$1000.00} per violation.

Supporting Documentation : Identity theft report Government-issued ID Proof of current address Requested Actions : 1. Immediate removal of all fraudulent accounts and inquiries 2. Full debt verification 3. Written confirmation of deletions 4. Notification to furnishers to cease reporting 5. Updated credit report showing corrections I expect confirmation that my request has been processed in compliance with the FCRA. Failure to do so may result in legal action.

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 2025-05-15 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: CA

Complaint narrative:
I am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are fraudulent accounts and/or inquiries on my credit report that I did not authorize or open. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be investigated, verified, and removed immediately. 

Details of the Dispute : I am disputing the following information that appears on my credit report, which I believe to be the result of identity theft : Fraudulent Accounts : 1. XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX Opened : XX/XX/XXXX Charged Off Balance : {$6700.00} 2. XXXXXXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Charged Off Balance : {$780.00} 3. XXXX XXXXXXXX Account # XXXX Opened : XX/XX/XXXX Charged Off Balance : {$630.00} 4. XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Collection Balance : {$6200.00} Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts and inquiries are not mine, and I have not given anyone permission to open or use them on my behalf. 



Formal Request for Investigation and Debt Verification : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that the credit reporting agencies block and delete these fraudulent items from my report immediately.

Under FCRA 611 ( 15 U.S.C. 1681i ), I request full debt verification. If valid evidence ( e.g., signed contract ) can not be produced, these accounts must be removed.

Compensation for False Verification : Per FCRA 616 ( 15 U.S.C. 1681n ), if any item is falsely verified, I am entitled to {$1000.00} per violation.

Supporting Documentation : Identity theft report Government-issued ID Proof of current address Requested Actions : 1. Immediate removal of all fraudulent accounts and inquiries 2. Full debt verification 3. Written confirmation of deletions 4. Notification to furnishers to cease reporting 5. Updated credit report showing corrections I expect confirmation that my request has been processed in compliance with the FCRA. Failure to do so may result in legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$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 2025-05-15 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: MD

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 non-monetary relief
Consumer complaint received 2025-05-15 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: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: CO

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally disputing the following accounts listed on my credit report. Under15 U.S. Code 1681c2and the doctrine ofestoppel by silence ( XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX ), I have received no proof of these alleged debts. Therefore, I request immediate deletion of each account : 1. XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXXXXXX 2. XXXX Acct : XXXX XXXX XXXX XXXX XXXXXXXX 3. XXXX XXXXXXXX XXXX  Acct : XXXX XXXX XXXX XXXX XXXXXXXX 4. XXXXXXXX XXXX XXXX Acct:XXXX 5. XXXX Acct : XXXX XXXX XXXX XXXX XXXX  No written consent to report under 15 USC 1681b 6. XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXXXXXX 7. XXXX Acct : XXXX XXXX XXXX XXXX XXXXXXXX These accounts must be removed within4 daysof receiving this notice. If no proof is provided, their continued reporting is a violation of federal 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 non-monetary relief
Consumer complaint received 2025-05-15 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: NJ

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 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 2025-05-15 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: TX

Complaint narrative:
I have recently received a copy of my credit report and I noticed that there are several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have detrimental to my credit health.

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 2025-05-15 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: TX

Complaint narrative:
I have recently received a copy of my credit report and I noticed that there are several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have detrimental to my credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: UT

Complaint narrative:
I am filing a complaint to formally dispute inaccurate information that appears on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information I believe is incorrect, incomplete, or unverifiable. 
The following accounts require your immediate investigation and removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: VA

Complaint narrative:
I am a victim of identity theft, which has led to the reporting of unauthorized and inaccurate information by Equifax. My Social Security number and other private data were unlawfully used. These unauthorized accounts and inquiries have severely damaged my creditworthiness. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I formally request the immediate blocking and permanent deletion of all information resulting from identity theft. Despite prior notifications, these agencies continue reporting unverifiable data. I do not consent to the placement of a fraud alert I demand complete deletion as required under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
I am filing a formal complaint against Experian for continued reporting of inaccurate and unverified data regarding the account XXXX XXXX XXXX. 

This account is listed as Charged Off with a past due balance of {$21000.00} as of XX/XX/2025. I have submitted multiple Metro 2compliant dispute letters with full identification, including government-issued ID and Social Security verification . Experian has failed to provide validation under FCRA 623 ( b ) and continues to report this account with no proper reinvestigation.

I received no accounting, no ledger, no proof of permissible purpose, and no verification of the alleged debt. As required by 15 U.S.C. 1681s-2, any data that is inaccurate, incomplete, or unverifiable must be removed. Experians reinvestigation appears to be either automated or ignored the documentation.

These continued reporting violations are impacting my ability to secure credit and infringe on my consumer rights. I am demanding immediate deletion of this account or a full reinvestigation that includes all documentation used to verify the accuracy of the account. All supporting records are available upon request.

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 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NC

Complaint narrative:
I was sent money thru cash app and some how my money was taking out my account wit out my permission I had no way to really report it & tried many ways but never XXXX anything back this was back almost a year ago

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion is reporting a bankruptcy on my credit file and it's not reporting on my other two credit bureaus. Please remove this inaccurate finding.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally insist that this complaint be taken seriouslyit is not an error or oversight. My credit report contains demonstrable inaccuracies that fail to meet the legally required standards of maximum possible accuracy. These errors are causing me significant financial and emotional distress, with ongoing negative consequences that are both severe and far-reaching. Given the urgency of this matter, I expect these inaccuracies to be promptly corrected or removed. Immediate action is required to resolve this issue.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: MN

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-05-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems has failed to provide me with proof that I received the notice for the right to dispute. This account is also inaccurately reported on my credit report and per XXXX XXXX standards and the XXXX guidelines, if an account does not meet all five of the following reporting requirements, it must not be included on my consumer report : Accurate account identification Complete and correct payment history, including Date of First Delinquency Accurate open/closed/charged-off status Valid, itemized balance information Full compliance with consumer dispute notification and resolution I am demanding an investigation and proper validation of this account. If the data furnisher can not produce : A signed lease agreement with my name on it, A full and accurate accounting of the alleged balance. 
And all XXXX XXXXrequired fields properly completed, Then this account must be removed from my credit report immediately. 

If the information can not be verified or validated within 30 days, I demand that it be permanently deleted, per the FCRA 1681i. If it remains, I request full documentation of your method of verification.

Thank you for your time and prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: CA

Complaint narrative:
I am writing to formally insist that this complaint be taken seriouslyit is not an error or oversight. My credit report contains demonstrable inaccuracies that fail to meet the legally required standards of maximum possible accuracy. These errors are causing me significant financial and emotional distress, with ongoing negative consequences that are both severe and far-reaching. Given the urgency of this matter, I expect these inaccuracies to be promptly corrected or removed. Immediate action is required to resolve this issue.

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 2025-05-15 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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