vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: VA

Complaint narrative:
I am a legally documented victim of identity theft and have also been affected by multiple data breaches, including those involving credit bureaus, XXXX XXXX XXXX XXXX, and healthcare providers. My personally identifiable information ( PII ) was compromised in these breaches, which led to unauthorized account activity in my name. 
I have a certified FTC Identity Theft Report and an official court conviction from the XXXX XXXX XXXX XXXX XXXX XXXX, showing that a relative was convicted of using my identity in 2019 ( Case XXXX ). 
Despite providing this documentation, along with legal letters from my attorney, Equifax and TransUnion have refused to remove a fraudulent XXXX XXXX XXXX XXXX credit card, and Grand Furniture Account ( s ) from my credit ( report ) file.

These fraudulent account ( s ) were issued Credit cards and or merchandise and mailed to an unknown out-of-state address where Ive never lived. It continues to reappear on my credit reports with Experian, Equifax and TransUnion, even though Experian has already removed the XXXX XXXX XXXX XXXX account and the false address. 
Meanwhile, XXXX XXXX continues to call and harass me, even though I never received or used the fraudulent card and can not even access the account. 
I am requesting immediate action to correct this situation in accordance with the FCRA, FACTA, and all applicable consumer protection laws. 

Requested Resolution : Removal of the fraudulent XXXX XXXX XXXX XXXX account Permanent deletion of the out-of-state address Suppression of any collections related to this account Full restoration of my credit file Immediate stop to harassment or collections I appreciate your time and urgent attention in helping to resolve this matter. 

Thank You, XXXX XXXX XXXX ( XXXX ) XXXX XXXX Christians Arent Perfect, Just 4given

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 2025-04-21 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: VA

Complaint narrative:
I am a legally documented victim of identity theft and have also been affected by multiple data breaches, including those involving credit bureaus, XXXX XXXX XXXX XXXX, and healthcare providers. My personally identifiable information ( PII ) was compromised in these breaches, which led to unauthorized account activity in my name. 
I have a certified FTC Identity Theft Report and an official court conviction from the XXXX XXXX XXXX XXXX XXXX XXXX, showing that a relative was convicted of using my identity in 2019 ( Case XXXX ). 
Despite providing this documentation, along with legal letters from my attorney, Equifax and XXXX have refused to remove a fraudulent XXXX XXXX XXXX XXXX credit card, and XXXX XXXXXXXX  Account ( s ) from my credit ( report ) file.

These fraudulent account ( s ) were issued Credit cards and or merchandise and mailed to an unknown out-of-state address where Ive never lived. It continues to reappear on my credit reports with XXXX Equifax and XXXX, even though XXXX has already removed the XXXX XXXX XXXX XXXX account and the false address. 
Meanwhile, XXXX XXXX continues to call and harass me, even though I never received or used the fraudulent card and can not even access the account. 
I am requesting immediate action to correct this situation in accordance with the FCRA, FACTA, and all applicable consumer protection laws.

Requested Resolution : Removal of the fraudulent XXXX XXXX XXXX XXXX account Permanent deletion of the out-of-state address Suppression of any collections related to this account Full restoration of my credit file Immediate stop to harassment or collections I appreciate your time and urgent attention in helping to resolve this matter. 

Thank You, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Arent Perfect, Just 4given

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: VA

Complaint narrative:
I am a legally documented victim of identity theft and have also been affected by multiple data breaches, including those involving credit bureaus, XXXX XXXX XXXX XXXX, and healthcare providers. My personally identifiable information ( PII ) was compromised in these breaches, which led to unauthorized account activity in my name. 
I have a certified FTC Identity Theft Report and an official court conviction from the XXXX XXXX XXXX XXXX XXXX XXXX, showing that a relative was convicted of using my identity in 2019 ( Case XXXX ). 
Despite providing this documentation, along with legal letters from my attorney, Equifax and TransUnion have refused to remove a fraudulent XXXX XXXX XXXX XXXX credit card, and Grand Furniture Account ( s ) from my credit ( report ) file.

These fraudulent account ( s ) were issued Credit cards and or merchandise and mailed to an unknown out-of-state address where Ive never lived. It continues to reappear on my credit reports with Experian, Equifax and TransUnion, even though Experian has already removed the XXXX XXXX XXXX XXXX account and the false address. 
Meanwhile, XXXX XXXX continues to call and harass me, even though I never received or used the fraudulent card and can not even access the account. 
I am requesting immediate action to correct this situation in accordance with the FCRA, FACTA, and all applicable consumer protection laws. 

Requested Resolution : Removal of the fraudulent XXXX XXXX XXXX XXXX account Permanent deletion of the out-of-state address Suppression of any collections related to this account Full restoration of my credit file Immediate stop to harassment or collections I appreciate your time and urgent attention in helping to resolve this matter. 

Thank You, XXXX XXXX XXXX ( XXXX ) XXXX XXXX Christians Arent Perfect, Just 4given

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 2025-04-21 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 was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-21 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
My report shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in 15 USC 1681b. I believe these inquiries were unintended, and I am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have not received new credit score they said they not found any of the information on my credit report but they did not update that information reflecting that my score should have reflected that and my score should have gone up drastically on All three credit bureau 's but it is not and I have not received a update credit report reflecting they not found the information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have not received new credit score they said they not found any of the information on my credit report but they did not update that information reflecting that my score should have reflected that and my score should have gone up drastically on All three credit bureau 's but it is not and I have not received a update credit report reflecting they not found the information on my 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 explanation
Consumer complaint received 2025-04-21 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: VA

Complaint narrative:
XXXXXXXX XXXX  XXXX XXXX XXXX ) never applied my mortgage payments made on XXXX XXXX, XXXX XXXX, and XXXX XXXX to my balance on time. I've disputed this with them on multiple occasions and continued to make my monthly payments. They applied these payments to my mortgage, despite the payments clearly indicating what months they were for. 

The company returned my funds to the bank in XX/XX/XXXX, and I resubmitted my payments immediately. However, XXXX filed a negative credit history of 3 consecutive 90-day missed payments with the credit bureaus. I've tried multiple times to fix my credit reports with the 3 bureaus, repeatedly, but to no avail. The company deactivated my account after I sold the property in XXXX XXXX, and I have no way of contacting them directly for a remedy. 

I continue to file complaints and disputes, but they are not successful. I want any negative impacts on my credit reports from XXXX to be removed immediately. It is preventing me from qualifying for a new mortgage and directly hurting me and my family.

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 2025-04-21 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-04-21 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 am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






Inquiry XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-21 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 writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : * * Creditor/Collection Agency Name : XXXX XXXX XXXX  XXXX * * * * Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Amount : XXXX XXXX XXXX XXXX XXXX Date of Account : 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 2025-04-21 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report.

Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under 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 explanation
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXXXXXX XXXX XXXXXXXX Balance {$3600.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$3300.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$1600.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Balance {$420.00} Open Date XX/XX/XXXX TD BANK XXXX Balance {$1200.00} Open Date XX/XX/XXXX XXXX XXXX XXXX {$1300.00} Open Date XX/XX/XXXXXXXX XXXX XXXX  Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXXXXXX Balance {$600.00} XXXX Date XXXX XXXX, XXXX XXXX XXXXXXXX Balance {$270.00} Open Date XX/XX/XXXX XXXX XXXXXXXX Balance {$210.00} Open Date XXXX XXXX, XXXXXXXX XXXX XXXX Balance {$200.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$130.00} Open Date XX/XX/XXXX AFFIRM XXXX Balance {$130.00} Open Date XX/XX/XXXX AFFIRM XXXX Balance {$120.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance {$100.00} Open Date XX/XX/XXXX AFFIRM XXXX Balance {$91.00} Open Date XX/XX/XXXXXXXX XXXX XXXXXXXX Balance {$48.00} XXXX Date XX/XX/XXXXXXXX XXXX XXXXXXXX Balance {$19.00} XXXX Date XX/XX/XXXXXXXX XXXX XXXX Balance {$0.00} XXXX Date XX/XX/XXXX XXXX XXXX Balance {$1600.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$1400.00} Open Date XX/XX/XXXX Inquiries XXXX Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX  XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-21 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX , submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XXXXXX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
I am a victim of identity theft. Some one has used my personal information and social to open these fraudulent accounts im disputing. I have never gave anyone permission or authorization to open these accounts. This has really affected my ability to get a good job to support my family

Company response to consumer: Closed with non-monetary relief