vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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 filing this formal complaint against one or more credit reporting agencies ( CRAs ) and data furnishers for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically in regard to the reappearance of previously deleted fraudulent accounts on my credit reportwithout proper notice or legal compliance.

According to the FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ), if a credit reporting agency reinserts any information previously deleted following a dispute, it must notify the consumer in writing within 5 business days of the reinsertion and identify the source/furnisher of the reinserted information. No such notice was provided to me.

Furthermore, under FCRA 605B ( 15 U.S.C. 1681c-2 ), I submitted an Identity Theft Report to the CRAs for the following fraudulent accounts, which should have been blocked and excluded from all reports : Fraudulent Accounts Listed in My FTC Identity Theft Report : XXXX XXXX XXXXXXXX Account ending in XXXX XXXX XXXX XXXXXXXX Account ending in XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX Account ending in XXXX These accounts were reported without my knowledge, authorization, or consent, and began appearing on my report again as of XX/XX/year>, despite having been previously removed. 

In addition, no proper identity verification, written validation, or furnisher contact information was ever provided to me regarding these reinsertions, as required under FCRA 611 ( a ) ( 7 ) and 609 ( a ).

This has caused ongoing and substantial harm to my creditworthiness, financial stability, and ability to obtain housing, credit, and employment.

Requested Resolution : 1. Immediate permanent deletion of all fraudulent accounts listed above from my credit report with all three major credit bureaus ( Equifax, Experian, TransUnion ).

2. Formal written confirmation of deletion and blocking under FCRA 605B ( c ).

3. Disclosure of all entities that reinserted the information without authorization, as required by law.

4. An investigation into FCRA violations committed by the CRAs and/or furnishers who failed to comply with reinsertion and identity theft procedures.

Thank you for your assistance in investigating and resolving this serious matter. I am providing my FTC Identity Theft Report ( Report # XXXX ) as supporting documentation, and I request urgent attention to this case under your authority. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
I am filing this formal complaint against one or more credit reporting agencies ( CRAs ) and data furnishers for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically in regard to the reappearance of previously deleted fraudulent accounts on my credit reportwithout proper notice or legal compliance.

According to the FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ), if a credit reporting agency reinserts any information previously deleted following a dispute, it must notify the consumer in writing within 5 business days of the reinsertion and identify the source/furnisher of the reinserted information. No such notice was provided to me.

Furthermore, under FCRA 605B ( 15 U.S.C. 1681c-2 ), I submitted an Identity Theft Report to the CRAs for the following fraudulent accounts, which should have been blocked and excluded from all reports : Fraudulent Accounts Listed in My FTC Identity Theft Report : XXXX XXXX XXXXXXXX Account ending in XXXX XXXX XXXX XXXXXXXX Account ending in XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX Account ending in XXXX These accounts were reported without my knowledge, authorization, or consent, and began appearing on my report again as of XX/XX/year>, despite having been previously removed. 

In addition, no proper identity verification, written validation, or furnisher contact information was ever provided to me regarding these reinsertions, as required under FCRA 611 ( a ) ( 7 ) and 609 ( a ).

This has caused ongoing and substantial harm to my creditworthiness, financial stability, and ability to obtain housing, credit, and employment.

Requested Resolution : 1. Immediate permanent deletion of all fraudulent accounts listed above from my credit report with all three major credit bureaus ( Equifax, Experian, TransUnion ).

2. Formal written confirmation of deletion and blocking under FCRA 605B ( c ).

3. Disclosure of all entities that reinserted the information without authorization, as required by law.

4. An investigation into FCRA violations committed by the CRAs and/or furnishers who failed to comply with reinsertion and identity theft procedures.

Thank you for your assistance in investigating and resolving this serious matter. I am providing my FTC Identity Theft Report ( Report # XXXX ) as supporting documentation, and I request urgent attention to this case under your authority. 

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 non-monetary relief
Consumer complaint received 2025-07-11 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: The Savings Group, Inc.
State: MI

Complaint narrative:
On XXXXXXXX XXXX XXXX I applied for refinancing through XXXX XXXX with Rate Genius. On XX/XX/XXXX I returned their message to provide more information.m at XXXXXXXX XXXX XXXXXXXX. After providing information I ask them if they were a refinance company they reported no they act as a third party. I informed them I dont want my credit pulled by different lenders. The representative told me he would cancel the application and hung up abruptly. Shortly after I received notifications of hard inquiries from multiple unknown sources that I did not consent to. Furthermore, I started receiving calls from businesses like XXXX  who I never contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: OH

Complaint narrative:
36 Hard inquires all hit me within months i do not have any knowledge too i am a victim of identity theft as well as a data breach has effected my credit please investigate and remove these hard inquires immediately with the 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 explanation
Consumer complaint received 2025-07-11 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: OH

Complaint narrative:
36 Hard inquires all hit me within months i do not have any knowledge too i am a victim of identity theft as well as a data breach has effected my credit please investigate and remove these hard inquires immediately with the 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 explanation
Consumer complaint received 2025-07-11 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: OH

Complaint narrative:
36 Hard inquires all hit me within months i do not have any knowledge too i am a victim of identity theft as well as a data breach has effected my credit please investigate and remove these hard inquires immediately with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: LA

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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX ] [ XXXX XXXX  ] [ XXXX, mi, XXXX ] XXXX ] XXXX ] [ XX/XX/year> ] Transunion Cfpb Dispute of Late Payment in accuracies Request for investigation Consumer dispute under FCRA 1681s-2 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX To Whom It May Concern, I am formally disputing the accuracy of a late payment reported by your institution to the consumer reporting agencies on my credit file regarding the above referenced account. This notice is provided in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ), which obligates furnishers of credit information to investigate disputes regarding the completeness or accuracy of information they have provided to consumer reporting agencies. 

According to my records, the payment in question was either made on time or should not have been considered late according to the accounts payment terms and applicable federal law. I am requesting that you : investigate this under the FCRA and provide me the results of investigation within 30 days as stimulated by law Please verify the following That the payments were actually late for the dates in question. 
Brother, the payment went late for the dates in question If the late payment was reported with the error, I demand that this be fixed or removed from my credit report please give me an update, Copy of my credit report, reflecting the result of this dispute. 

Details of the Disputed Payment : Creditor Name : [ XXXX XXXX XXXX XXXX ] Payment of {$41.00} Payment Date XX/XX/year>XXXX  Method of Payment : Online Payment,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Control, LLC
State: WA

Complaint narrative:
I am getting letters from a credit place who I never gave my address to

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: NY

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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 formal complaint under the Fair Credit Reporting Act ( FCRA ) due to serious violations of my rights. Specifically, one or more credit reporting agencies ( CRAs ) have reinserted fraudulent accounts on my credit reportpreviously deleted after disputewithout complying with the legal notice and reinvestigation requirements set forth in the FCRA.

FCRA Violations Cited : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : If a CRA reinserts deleted information, it must notify the consumer within 5 business days and identify the furnishers name, address, and phone number.
15 U.S.C. 1681c-2 ( FCRA 605B ) : A valid FTC Identity Theft Report requires CRAs to block and permanently suppress fraudulent information.

15 U.S.C. 1681g ( a ) : Consumers are entitled to full disclosure about sources of adverse information on their credit files. 



Fraudulent Accounts Reinserted : XXXXXXXX XXXX XXXX  XXXX Account ending in XXXX Fraud began : XX/XX/XXXXXXXX  | Discovered : XX/XX/XXXXXXXX XXXX XXXXXXXX Account ending in XXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXXXXXX XXXX XXXXXXXX Account ending in XXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX These accounts were previously identified as fraudulent, removed, and are now showing on my credit report again without proper notice or validation. This is a willful violation of my consumer rights. 



Additional Harms : My personal informationincluding my name and employment ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) has been misused. The reappearance of these fraudulent accounts has negatively impacted my creditworthiness, causing distress and potential financial harm. 



Requested Resolution : 1. Immediate and permanent deletion of the fraudulent accounts listed above from Equifax, Experian, and TransUnion.

2. A written explanation from the CRAs outlining : Why the accounts were reinserted, Which furnisher reported them, And why no consumer notice was provided.

3. Full contact information of the data furnishers, as required by FCRA.

4. A formal investigation into FCRA violations by the CRAs and/or furnishers.

5. Implementation of measures to prevent future violations.

6. Optional : I reserve the right to pursue damages under FCRA 616 ( willful noncompliance ) or 617 ( negligent noncompliance ) if necessary. 



I have attached my FTC Identity Theft Report # XXXX for your reference. I respectfully request that the CFPB investigate this matter fully and help ensure my credit profile is restored and protected from future illegal activity. 

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 2025-07-11 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: AZ

Complaint narrative:
Fraud accounts due to ID THEFT. Please block all fraud accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DEPARTMENT OF EDUCATION {$1500.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Charges filed Officer XXXX POLICE REPORT attached, FTC, social security and ID attached for verification thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: AZ

Complaint narrative:
Fraud accounts due to ID THEFT. Please block all fraud accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, US DEPARTMENT OF EDUCATION {$1500.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Charges filed XXXX XXXX POLICE REPORT attached, FTC, social security and ID attached for verification thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: AZ

Complaint narrative:
Fraud accounts due to ID THEFT. Please block all fraud accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, US DEPARTMENT OF EDUCATION {$1500.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Charges filed XXXX XXXX POLICE REPORT attached, FTC, social security and ID attached for verification thank 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 non-monetary relief
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
I RECEIVED A COPY OF MY CREDIT REPORT AND I HAVE BEEN THE VICTIM OF IDENTITY THEFT. I DO NOT RECOGNIZE THESE ACCOUNTS. PLEASE DELETE FROM MY CREDIT REPORT AS THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Greetings, my information was exposed by a Data breach, and the following information and accounts are Fraudulent. Please remove all accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I need these accounts removed from my credit report. i am a victim of identity theft and my life has been in danger please remove all these accounts from my credit report. under the section 605b of the 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 2025-07-11 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: TX

Complaint narrative:
Greetings, my information was exposed by a Data breach, and the following information and accounts are Fraudulent. Please remove all accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I need these accounts removed from my credit report. i am a victim of identity theft and my life has been in danger please remove all these accounts from my credit report. under the section 605b of the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide Certified Mail with receipt displaying my signature. If not please delete this account as soon as possible off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: CT

Complaint narrative:
I contacted Trans Union in regards to unauthorized inquiries on my credit report that they are reporting and they continue to report the inquiries which is negatively affecting my report. I did not authorize the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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