vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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: GA

Complaint narrative:
This correspondence constitutes a formal dispute under the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. I am requesting immediate reinvestigation and corrective action regarding multiple unauthorized accounts and materially inaccurate personal identifiers currently appearing in my consumer credit file. These items have been reported without my consent, and their continued presence constitutes clear violations of federal law. The following accounts have been furnished to the consumer reporting agencies without my knowledge, authorization, or written instructions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report under specific circumstances with the consumers written instructions. No such consent was provided in any of the above cases. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. These accounts must be removed unless independently verified with legal documentation. Under 15 U.S.C. 1681 ( a ) ( 4 ), Congress has affirmed the importance of maintaining consumer privacy and fairness in the handling of credit information. The unauthorized reporting of the above accounts represents a violation of my privacy rights as established by this statute.

In addition, I have identified fraudulent inquiries on my credit report that I did not authorize. These inquiries constitute unauthorized access to my consumer report under the Fair Credit Reporting Act ( FCRA ). 
I am requesting the immediate removal of : The fraudulent/unauthorized inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Under the FCRA, I have the right to accurate reporting and protection against unauthorized use of my consumer report. Please correct these inaccuracies and confirm removal in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: GA

Complaint narrative:
This correspondence constitutes a formal dispute under the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. I am requesting immediate reinvestigation and corrective action regarding multiple unauthorized accounts and materially inaccurate personal identifiers currently appearing in my consumer credit file. These items have been reported without my consent, and their continued presence constitutes clear violations of federal law. The following accounts have been furnished to the consumer reporting agencies without my knowledge, authorization, or written instructions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report under specific circumstances with the consumers written instructions. No such consent was provided in any of the above cases. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. These accounts must be removed unless independently verified with legal documentation. Under 15 U.S.C. 1681 ( a ) ( 4 ), Congress has affirmed the importance of maintaining consumer privacy and fairness in the handling of credit information. The unauthorized reporting of the above accounts represents a violation of my privacy rights as established by this statute.

In addition, I have identified fraudulent inquiries on my credit report that I did not authorize. These inquiries constitute unauthorized access to my consumer report under the Fair Credit Reporting Act ( FCRA ). 
I am requesting the immediate removal of : The fraudulent/unauthorized inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Under the FCRA, I have the right to accurate reporting and protection against unauthorized use of my consumer report. Please correct these inaccuracies and confirm removal in writing.

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 2025-09-12 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XX/XX/scrub>XXXX  -Balance {$590.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am filing this complaint because all three nationwide credit reporting agencies ( Equifax, Experian, and TransUnion ) are reporting inaccurate and fraudulent accounts in my credit file. 

Despite sending written disputes and requests for investigation to each bureau, they continue to report accounts that do not belong to me, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX others listed in my disputes. 

These accounts are fraudulent. I never opened them, and I have no relationship with these creditors. In addition, several inaccurate public records ( including bankruptcy court notations ) and hard inquiries remain on my reports. 

The credit bureaus have failed to : Properly investigate my disputes as required under the Fair Credit Reporting Act ( FCRA ). 

Remove fraudulent and inaccurate accounts, inquiries, and public records. 

Provide me with proper verification of the alleged accounts. 

This has caused severe harm to my credit standing, stress, and difficulty obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: MS

Complaint narrative:
I am filing this complaint because all three nationwide credit reporting agencies ( Equifax, Experian, and TransUnion ) are reporting inaccurate and fraudulent accounts in my credit file. 

Despite sending written disputes and requests for investigation to each bureau, they continue to report accounts that do not belong to me, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX others listed in my disputes. 

These accounts are fraudulent. I never opened them, and I have no relationship with these creditors. In addition, several inaccurate public records ( including bankruptcy court notations ) and hard inquiries remain on my reports. 

The credit bureaus have failed to : Properly investigate my disputes as required under the Fair Credit Reporting Act ( FCRA ). 

Remove fraudulent and inaccurate accounts, inquiries, and public records. 

Provide me with proper verification of the alleged accounts. 

This has caused severe harm to my credit standing, stress, and difficulty obtaining 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 2025-09-12 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: MI

Complaint narrative:
I am filing this complaint against the three major credit reporting agencies for continuing to report unauthorized credit inquiries on my credit file, despite multiple disputes. These inquiries were made without my knowledge or consent and therefore violate the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), which limits when a consumer reporting agency may release or include inquiries in a consumers file.

A credit inquiry may only occur with a permissible purpose, such as written authorization, a firm offer of credit, or an existing account relationship. I never granted such permission for the inquiries listed below. By reporting inquiries without permissible purpose, the credit bureaus are violating both 15 U.S.C. 1681b and their obligation under 15 U.S.C. 1681e ( b ) to maintain maximum possible accuracy in consumer reports. 

Unauthorized Inquiries Reported XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX Violations Reporting inquiries without permissible purpose ( FCRA 1681b ) Failure to maintain maximum possible accuracy ( FCRA 1681e ( b ) Failure to properly reinvestigate and remove disputed items after multiple disputes ( FCRA 1681i )

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 2025-09-12 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: NY

Complaint narrative:
I am submitting this formal complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XXXX XXXX XXXXXX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Despite having received all required documents, Experian has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being.

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 2025-09-12 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: FL

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
TransUnion recently reported a data breach that impacted the personal information of over XXXX XXXX customers

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 2025-09-12 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 respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-09-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I received an email from XXXX saying I paid an {$800.00} mortgage loan payment today. I do not have a mortgage nor own a home. This was a legitimate email from the company, but the account is identity theft. Someone set up an account with my information and Newrez has no way to contact them regarding fraud! 
Photo is the info in the email.

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 2025-09-12 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: PA

Complaint narrative:
This complaint concerns multiple willful violations of the Fair Credit Reporting Act ( FCRA ) by Experian, TransUnion, and Equifax. 

I am the victim of identity theft and fraudulent reporting. Experian, Equifax and TransUnion have reported inaccurate and unverified derogatory information, including fraudulent charge-off accounts and unauthorized hard inquiries. I have already filed an FTC Identity Theft Report and I am attaching it here. 

Pursuant to 15 U.S.C. 1681c-2 ( a ) ( 1 ) ( FCRA 605B ), a consumer reporting agency must block the reporting of any information identified as resulting from identity theft within 4 business days of receiving : 1. Appropriate proof of the identity of the consumer ; 2. A copy of an identity theft report ; 3. Identification of the fraudulent information by the consumer ; and 4. A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The items in question include but are not limited to : XXXX XXXX XXXX XXXX XXXX ( Experian ) XXXX XXXX XXXXXXXXXXXX XXXX XXXX ( TransUnion XXXX XXXX XXXX charged off {$9200.00} ; {$6900.00} past due. 
XXXX XXXX Account # XXXX ( Experian ) XXXX XXXX XXXXXXXXXXXX XXXX XXXX ( TransUnion ) XXXX XXXX charged off {$2500.00}. 
Unauthorized hard inquiries including XXXX XXXX ( XX/XX/year> ), XXXX XXXX ( XX/XX/year> ), and XXXX XXXX XXXX XXXX XXXX 

I am demanding the CFPB order Experian, Equifax and TransUnion to : Immediately block and permanently delete all fraudulent accounts and inquiries identified above under 1681c-2 ( a ) ( 1 ). 
Remove all associated negative payment history, late-payment codes, and remarks tied to these fraudulent items. 
Provide me with written confirmation of compliance and cease any further publication of unverified or unauthorized data. 

Any continued publication of unverified, unauthorized, or fraudulent data after receipt of my FTC Identity Theft Report constitutes willful noncompliance and reckless disregard of my rights under 15 U.S.C. 1681n and 1681o, exposing these entities to statutory and punitive damages. 

I request that the CFPB immediately escalate this complaint and direct them to comply with the 4-business-day blocking rule. 

Please see attachments

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 2025-09-12 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: PA

Complaint narrative:
This complaint concerns multiple willful violations of the Fair Credit Reporting Act ( FCRA ) by Experian, TransUnion, and Equifax. 

I am the victim of identity theft and fraudulent reporting. Experian, Equifax and TransUnion have reported inaccurate and unverified derogatory information, including fraudulent charge-off accounts and unauthorized hard inquiries. I have already filed an FTC Identity Theft Report and I am attaching it here. 

Pursuant to 15 U.S.C. 1681c-2 ( a ) ( 1 ) ( FCRA 605B ), a consumer reporting agency must block the reporting of any information identified as resulting from identity theft within 4 business days of receiving : 1. Appropriate proof of the identity of the consumer ; 2. A copy of an identity theft report ; 3. Identification of the fraudulent information by the consumer ; and 4. A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The items in question include but are not limited to : XXXX XXXX XXXX XXXX XXXX ( Experian ) XXXX XXXX XXXXXXXXXXXX XXXX XXXX ( TransUnion XXXX XXXX XXXX charged off {$9200.00} ; {$6900.00} past due. 
XXXX XXXX Account # XXXX ( Experian ) XXXX XXXX XXXXXXXXXXXX XXXX XXXX ( TransUnion ) XXXX XXXX charged off {$2500.00}. 
Unauthorized hard inquiries including XXXX XXXX ( XX/XX/year> ), XXXX XXXX ( XX/XX/year> ), and XXXX XXXX XXXX XXXX XXXX 

I am demanding the CFPB order Experian, Equifax and TransUnion to : Immediately block and permanently delete all fraudulent accounts and inquiries identified above under 1681c-2 ( a ) ( 1 ). 
Remove all associated negative payment history, late-payment codes, and remarks tied to these fraudulent items. 
Provide me with written confirmation of compliance and cease any further publication of unverified or unauthorized data. 

Any continued publication of unverified, unauthorized, or fraudulent data after receipt of my FTC Identity Theft Report constitutes willful noncompliance and reckless disregard of my rights under 15 U.S.C. 1681n and 1681o, exposing these entities to statutory and punitive damages. 

I request that the CFPB immediately escalate this complaint and direct them to comply with the 4-business-day blocking rule. 

Please see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: MI

Complaint narrative:
I am filing this formal complaint against EQUIFAX for willful violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to its failure to block fraudulent accounts after I submitted all required documentation on XX/XX/XXXX, including a valid identity theft affidavit, government-issued ID, proof of address, and evidence linking my data to the EQUIFAX breach XXXX Despite clear obligations under 605B to block the accounts within four business days, Equifax ignored the law and instead responded with a generic verified as accurate notice, without disclosing the source or method of verificationviolating 611s mandate for a reasonable reinvestigation. This conduct mirrors the unlawful practices condemned in Andrews v. TRW Inc. and Menashe v. Bank of New York, where courts ruled that automated verifications and failure to properly investigate consumer disputes constitute noncompliance. The CFPBs XXXX XXXX further warns against these systemic failures. I demand immediate deletion of the fraudulent items, written disclosure of the verification sources used, and confirmation that this dispute has been manually reviewed as required by law. Continued noncompliance may result in legal action under 1681n for willful violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX CARD Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation