vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX/XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/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 2025-07-02 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: NJ

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-07-02 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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:
Subject : Urgent Identity Theft and Data Breach Dispute under 15 U.S.C. 1681s-2 Immediate Action Required To Whom It May Concern : I am filing this formal dispute and complaint with the Consumer Financial Protection Bureau pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, due to unauthorized and fraudulent accounts appearing on my credit reports resulting from confirmed massive data breaches including but not limited to : XXXX XXXX XXXX ( XXXX ) over XXXX XXXX customers exposed Equifax ( XXXX ) XXXX XXXX records compromised XXXX ( XXXX ) personal info of XXXX XXXX customers stolen XXXX XXXX XXXX XXXX ) paralyzed hundreds of dealerships nationwide XXXX XXXX XXXX XXXX XXXX largest health data breach in U.S. history These events exposed my personally identifiable information ( PII ), making me a target of identity theft, which has now materialized in the form of fraudulent accounts and inquiries on my credit profile.

Legal Authority : 15 U.S.C. 1681s-2 As established in 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information have a legal obligation to report accurate data to consumer reporting agencies. Under 1681s-2 ( b ), once a dispute is filed, they must promptly investigate, correct, and cease reporting unverifiable or inaccurate information. Failure to comply constitutes a direct violation of federal law.

Additionally, FCRA 605B requires that items resulting from identity theft must be blocked within four business days upon receipt of proper documentation. 



Actions Demanded I am demanding that the CFPB enforce the following actions immediately : XXXX. Investigate and permanently remove any and all fraudulent accounts, inquiries, or collections related to the above-mentioned breaches. 
XXXX. Hold Equifax, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and their data handlers accountable for allowing my PII to be compromised, then willfully or negligently reporting fraudulent data to CRAs.

3. Sanction any furnishers found to be in violation of 15 U.S.C. 1681s-2 for continuing to report disputed accounts without conducting proper investigations or failing to respond timely. 



Attached Documentation Identity Theft Affidavit ( FTC Form ) Copy of Government-Issued ID Proof of Address Breach Notification Credit Report Highlighting Fraudulent Entries Police 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 2025-07-02 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: FL

Complaint narrative:
Subject : Urgent Identity Theft and Data Breach Dispute under 15 U.S.C. 1681s-2 Immediate Action Required To Whom It May Concern : I am filing this formal dispute and complaint with the Consumer Financial Protection Bureau pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, due to unauthorized and fraudulent accounts appearing on my credit reports resulting from confirmed massive data breaches including but not limited to : XXXX XXXX XXXX ( XXXX ) over XXXX XXXX customers exposed Equifax ( XXXX ) XXXX XXXX records compromised XXXX ( XXXX ) personal info of XXXX XXXX customers stolen XXXX XXXX XXXX XXXX ) paralyzed hundreds of dealerships nationwide XXXX XXXX XXXX XXXX XXXX largest health data breach in U.S. history These events exposed my personally identifiable information ( PII ), making me a target of identity theft, which has now materialized in the form of fraudulent accounts and inquiries on my credit profile.

Legal Authority : 15 U.S.C. 1681s-2 As established in 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information have a legal obligation to report accurate data to consumer reporting agencies. Under 1681s-2 ( b ), once a dispute is filed, they must promptly investigate, correct, and cease reporting unverifiable or inaccurate information. Failure to comply constitutes a direct violation of federal law.

Additionally, FCRA 605B requires that items resulting from identity theft must be blocked within four business days upon receipt of proper documentation. 



Actions Demanded I am demanding that the CFPB enforce the following actions immediately : XXXX. Investigate and permanently remove any and all fraudulent accounts, inquiries, or collections related to the above-mentioned breaches. 
XXXX. Hold Equifax, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and their data handlers accountable for allowing my PII to be compromised, then willfully or negligently reporting fraudulent data to CRAs.

3. Sanction any furnishers found to be in violation of 15 U.S.C. 1681s-2 for continuing to report disputed accounts without conducting proper investigations or failing to respond timely. 



Attached Documentation Identity Theft Affidavit ( FTC Form ) Copy of Government-Issued ID Proof of Address Breach Notification Credit Report Highlighting Fraudulent Entries Police 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 2025-07-02 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:
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Subject : Confirmation of Closed Account & No Acknowledgment of Alleged Debt Account Reference : XXXX Dear XXXX XXXX XXXX, I recently obtained a copy of my credit report and noted that the collection account associated with XXXX XXXX XXXX and XXXX XXXX has been removed as of XX/XX/year>. 
This letter is to confirm the following : 1. That your office has closed this account and is no longer attempting to collect on the alleged balance of {$350.00}.

2. That I do not acknowledge owing any debt to your company, and no portion of this alleged debt has ever been validated to me, as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

3. That this account will not be sold or reassigned to another collection agency now or in the future.

4. That I will not receive any further contact regarding this matter unless you provide written proof that I legally owe this debt and that your company has the authority to collect it.

Please confirm in writing that this account is permanently closed and that no further collection activity will occur. 

Thank you for your attention to this matter. 

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: EQUIFAX, INC.
State: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX  XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1200.00}, XXXX  XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2000.00}, XXXX XX/XX/year>. 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Marlette Funding, LLC
State: WA

Complaint narrative:
Proof of authorization and signature of account creator this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: PA

Complaint narrative:
I AM SUBMITTING THIS STATEMENT TO FORMALLY DECLARE THAT MY PERSONAL INFORMATION HAS BEEN USED, ACCESSED, OR REPORTED WITHOUT MY CONSENT OR PROPER LEGAL AUTHORIZATION.

UNDER SECTION 502 OF THE GRAMM-LEACH-BLILEY ACT ( GLBA ), NO NONPUBLIC PERSONAL INFORMATION MAY BE DISCLOSED WITHOUT THE CONSUMERS PERMISSION. FURTHERM
ORE, UNDER THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681c-2 ), ANY SUCH INFORMATION MUST BE BLOCKED WITHIN FOR ( 4 ) BUSINESS DAY UPON WRITTEN REQUEST AND VALID IDENTIFICATION. IF THE DISPUTED INFORMATION CAN NOT BE VERIFIED WITHIN THE SAME TIMEFRAME, IT MUST BE PERMANENTLY DELETED FROM MY CREDIT FILE. I AM REQUESTING IMMEDIATE ACTION IN ACCORDANCE WITH THESE FEDERAL PROTECTIONS. THE INFORMATION IN QUESTION WAS ADDED OR SHARED UNLAWFULLY AND MUST BE BLOCKED AND DELETED TO PREVENT FURTHER HARM OR MISUSE. ACCOUNTS TO BE BLOCKE-ELIMINATED : 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 2025-07-02 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: GA

Complaint narrative:
I am writing to formally dispute the reporting of an account on my credit file that was paid in full as of XX/XX/year>, but is still inaccurately reporting a balance with all three major credit reporting agencies ( TransUnion, XXXX, and XXXX  ). 

This continued misreporting violates the Fair Credit Reporting Act ( FCRA ) under : 15 U.S.C. 1681s-2 ( a ) ( 2 ) ( A ) which requires furnishers of credit data to update and correct information after a payment or status change ; 15 U.S.C. 1681e ( b ) which mandates that consumer reporting agencies maintain maximum possible accuracy in credit file data.

This account should now reflect the following : Status : PAID IN FULL Balance : {$0.00} Remarks : CLOSED or CURRENT ( if revolving ) I demand an immediate reinvestigation and correction of this inaccuracy on all three credit reports. If not corrected within 30 days of receipt of this letter, I reserve the right to file a complaint with the CFPB, FTC, and pursue all remedies under 15 U.S.C. 1681n and 1681o for damages resulting from willful and/or negligent noncompliance. 

Please confirm in writing that this item has been corrected or removed, and send me an updated copy of my credit report reflecting the changes.

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 2025-07-02 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: GA

Complaint narrative:
I am writing to formally dispute the reporting of an account on my credit file that was paid in full as of XX/XX/year>, but is still inaccurately reporting a balance with all three major credit reporting agencies ( XXXX, Equifax, and XXXX  ). 

This continued misreporting violates the Fair Credit Reporting Act ( FCRA ) under : 15 U.S.C. 1681s-2 ( a ) ( 2 ) ( A ) which requires furnishers of credit data to update and correct information after a payment or status change ; 15 U.S.C. 1681e ( b ) which mandates that consumer reporting agencies maintain maximum possible accuracy in credit file data.

This account should now reflect the following : Status : PAID IN FULL Balance : {$0.00} Remarks : CLOSED or CURRENT ( if revolving ) I demand an immediate reinvestigation and correction of this inaccuracy on all three credit reports. If not corrected within 30 days of receipt of this letter, I reserve the right to file a complaint with the CFPB, FTC, and pursue all remedies under 15 U.S.C. 1681n and 1681o for damages resulting from willful and/or negligent noncompliance. 

Please confirm in writing that this item has been corrected or removed, and send me an updated copy of my credit report reflecting the changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
I am writing to formally dispute the reporting of an account on my credit file that was paid in full as of XX/XX/year>, but is still inaccurately reporting a balance with all three major credit reporting agencies ( XXXX, XXXX, and Experian ). 

This continued misreporting violates the Fair Credit Reporting Act ( FCRA ) under : 15 U.S.C. 1681s-2 ( a ) ( 2 ) ( A ) which requires furnishers of credit data to update and correct information after a payment or status change ; 15 U.S.C. 1681e ( b ) which mandates that consumer reporting agencies maintain maximum possible accuracy in credit file data.

This account should now reflect the following : Status : PAID IN FULL Balance : {$0.00} Remarks : CLOSED or CURRENT ( if revolving ) I demand an immediate reinvestigation and correction of this inaccuracy on all three credit reports. If not corrected within 30 days of receipt of this letter, I reserve the right to file a complaint with the CFPB, FTC, and pursue all remedies under 15 U.S.C. 1681n and 1681o for damages resulting from willful and/or negligent noncompliance. 

Please confirm in writing that this item has been corrected or removed, and send me an updated copy of my credit report reflecting the changes.

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 2025-07-02 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:
I am writing to demand the immediate deletion of an account that appears on my credit report which was opened and used fraudulently and without my authorization. This is a clear case of identity theft, and I will not accept responsibility for any activity, balances, or consequences tied to this illegitimate account. 

Let me be very clear : I did not open this account. I did not authorize its use. It does not belong to me, and it should never have been associated with my name, Social Security number, or credit file in the first place. Its presence on my report is not only inaccurate but harmful and entirely unjustified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief