vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: NJ

Complaint narrative:
This is my second formal attempt to resolve an identity theft issue that has resulted in fraudulent accounts and unauthorized inquiries appearing on my credit file. Despite submitting full documentationincluding my FTC Identity Theft Report, government-issued ID, Social Security card , and proof of addressthe accounts and inquiries remain on my credit report. This continued reporting is harming my credit and financial standing.

The following fraudulent accounts and inquiries were not authorized by me : XXXXXXXX XXXX XXXXXXXX dated XX/XX/year>XXXX XXXX  XXXX Account Number ending in XXXX XXXX XXXX Account Number ending in XXXX XXXX Account Number ending in XXXX XXXX XXXX XXXX Account Number ending in XXXX I already submitted a formal dispute and identity theft documentation to the credit bureau, yet they have failed to block or remove this information, in violation of the Fair Credit Reporting Act ( FCRA ) and other federal protections. This is not a mere disputeit is a serious case of identity theft. 

They are now in violation of the following laws : FCRA 1681b ( c ) for reporting unauthorized inquiries FCRA 1681c2 for failing to block identity theft data within 4 business days FCRA 1681i ( a ) for not reinvestigating or correcting the file properly 18 U.S.C. 1028A aggravated identity theft, as the information continues to harm me after being notified Their inaction is now willful and negligent.

What would be a fair resolution to this issue?

I am requesting the following resolution : Immediate and permanent deletion of all fraudulent accounts and unauthorized inquiries listed in my original and follow-up disputes.

Blocking of all identity theftrelated data under FCRA 1681c2 within the required timeline.

Written confirmation of deletions and updated status.

Updated and corrected copy of my credit report reflecting these removals.

Failure to comply will lead to additional complaints with the FTC, XXXX  and State Attorney General, and may result in legal action under FCRA 616, which provides for statutory damages up to {$1000.00} per violation, plus actual damages and legal costs.

I am not seeking anything unreasonablejust full compliance with the law and correction of the fraud that has already been properly documented.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
I am writing as a consumer to formally request a review and correction of certain information listed on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I would like to dispute the following items.see attachment

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 2025-08-01 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 am the victim of identity theft and have submitted the proper documentation under FCRA 605B ( 15 U.S.C. 1681c-2 ), including an identity theft report and proof of identity. Despite this, certain fraudulent accounts remain on my credit report. These accounts were not authorized or opened by me and have already been removed by one or more credit bureaus after verification. However, other bureaus continue to report them, which is a direct violation of the requirement to remove such information within four business days of receiving a valid request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company 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 2025-08-01 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: AL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX 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 XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: AL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX 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 XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-01 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:
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 explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I submitted a dispute on XXXX XXXX to experien to resolve my issue with this XXXX store credit card. Experien didnt change the information with my credit card and it remains unchanged on my report. I have reported to XXXX a couple times about this now. I had no knowledge of this credit card being opened in my name. I never asked to apply for this credit card and never have used it in my life. I only found out that I had this card when there was a late payment on my report. I never opened or used the card and never bought anything with it and I never missed a payment or was responsible for its payments. My mother told me that she opened the card in my name after she already used it a couple times and missed a payment on it. I had no idea it was opened under my name until it was too late. It has now negatively effected my credit report and I never opened this card myself or used it.

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 2025-08-01 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: FL

Complaint narrative:
RE : Account Number XXXX XXXX XXXX XXXX Dispute of Student Loan Record XXXX XXXX Original Creditor : DIRECT LOANS Reporting Balance : {$5000.00} Status : XXXX Dear Department of Education or Affiliated Servicer Representative, I am writing to formally dispute the above-referenced account as reported on my credit file and to demand immediate removal of this student loan from all credit and collection records based on serious violations of federal law, including the Family Educational Rights and Privacy Act ( XXXX ), the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). 

Upon review of my credit file, I discovered that this account is being reported inaccurately and is linked to unauthorized disclosure of my Personally Identifiable Information ( PII ). It also reflects inconsistencies and legal violations that directly invalidate the obligation and its collections activity. 

Violations and Grounds for Dispute XXXX. Unauthorized Disclosure of XXXX XXXX ( XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) My student loan account and private data, including enrollment details, Social Security number, and financial aid history, were shared with XXXX-party collectors and credit bureaus without my prior written consent. 

This constitutes a material XXXX breach, as the Department of Education and Direct Loans were required to secure written authorization prior to disclosing any part of my educational records for non-institutional purposes. 

XXXX. Inaccurate and Incomplete Reporting ( XXXX  XXXX/ XXXX XXXX Standards ) The loan is listed as in collection, yet there is no payment history, inconsistent high balance periods, and incomplete reporting of payment terms and delinquenciesall of which are non-compliant with XXXX XXXX Credit Reporting Format and FCRA 623 ( a ). 

The address associated with this account ( XXXX XXXX XXXX XXXX ) is not a personal address and misrepresents consumer profile data in violation of FCRA XXXX ( c ). 

XXXX. Failure to Respond to Records Request ( XXXX XXXX XXXX XXXXXXXX ) I have repeatedly requested original promissory notes, loan authorizations, and disbursement records. Failure to provide such documentation within a reasonable period constitutes a procedural violation under XXXX and undermines the enforceability of the loan. 

XXXX. Unlawful Debt Collection & Due Process Failures ( FDCPA 809 / FCRA 604 ) Reporting this loan to consumer agencies and third-party collections without proper debt validation and borrower notification violates both FDCPA and XXXX permissible purpose standards. 

I have not received any debt validation letter from a collector in accordance with 15 U.S.C. 1692g ( b ).

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
RE : Account Number : XXXXXXXX XXXX XXXX Dispute of Student Loan Record * * Original Creditor : DIRECT LOANS Reporting Balance : {$5000.00} Status : >Collection< Dear Department of Education or Affiliated Servicer Representative, I am writing to formally dispute the above-referenced account as reported on my credit file and to demand immediate removal of this student loan from all credit and collection records based on serious violations of federal law, including the Family Educational Rights and Privacy Act ( FERPA ), the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ).

Upon review of my credit file, I discovered that this account is being reported inaccurately and is linked to unauthorized disclosure of my Personally Identifiable Information ( PII ). It also reflects inconsistencies and legal violations that directly invalidate the obligation and its collections activity.

Violations and Grounds for Dispute 1. Unauthorized Disclosure of Educational Records ( FERPA 20 U.S.C. 1232g & 34 CFR Part 99 ) My student loan account and private data, including enrollment details, Social Security number, and financial aid history, were shared with third-party collectors and credit bureaus without my prior written consent.

This constitutes a material FERPA breach, as the Department of Education and Direct Loans were required to secure written authorization prior to disclosing any part of my educational records for non-institutional purposes.

2. Inaccurate and Incomplete Reporting ( FCRA 611/ Metro 2 Standards ) The loan is listed as in collection, yet there is no payment history, inconsistent high balance periods, and incomplete reporting of payment terms and delinquenciesall of which are non-compliant with Metro 2 Credit Reporting Format and FCRA 623 ( a ). 

The address associated with this account ( XXXX XXXX XXXX XXXX ) is not a personal address and misrepresents consumer profile data in violation of FCRA 609 ( c ).

3. Failure to Respond to Records Request ( FERPA 99.10 - 99.34 ) I have repeatedly requested original promissory notes, loan authorizations, and disbursement records. Failure to provide such documentation within a reasonable period constitutes a procedural violation under FERPA and undermines the enforceability of the loan.

4. Unlawful Debt Collection & Due Process Failures ( FDCPA 809 / FCRA 604 ) Reporting this loan to consumer agencies and third-party collections without proper debt validation and borrower notification violates both FDCPA and FCRAs permissible purpose standards.

I have not received any debt validation letter from a collector in accordance with 15 U.S.C. 1692g ( b ).

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 2025-08-01 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: FL

Complaint narrative:
RE : Account Number : XXXXXXXX XXXX XXXX Dispute of Student Loan Record * * Original Creditor : DIRECT LOANS Reporting Balance : {$5000.00} Status : >Collection< Dear Department of Education or Affiliated Servicer Representative, I am writing to formally dispute the above-referenced account as reported on my credit file and to demand immediate removal of this student loan from all credit and collection records based on serious violations of federal law, including the Family Educational Rights and Privacy Act ( FERPA ), the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ).

Upon review of my credit file, I discovered that this account is being reported inaccurately and is linked to unauthorized disclosure of my Personally Identifiable Information ( PII ). It also reflects inconsistencies and legal violations that directly invalidate the obligation and its collections activity.

Violations and Grounds for Dispute 1. Unauthorized Disclosure of Educational Records ( FERPA 20 U.S.C. 1232g & 34 CFR Part 99 ) My student loan account and private data, including enrollment details, Social Security number, and financial aid history, were shared with third-party collectors and credit bureaus without my prior written consent.

This constitutes a material FERPA breach, as the Department of Education and Direct Loans were required to secure written authorization prior to disclosing any part of my educational records for non-institutional purposes.

2. Inaccurate and Incomplete Reporting ( FCRA 611/ Metro 2 Standards ) The loan is listed as in collection, yet there is no payment history, inconsistent high balance periods, and incomplete reporting of payment terms and delinquenciesall of which are non-compliant with Metro 2 Credit Reporting Format and FCRA 623 ( a ). 

The address associated with this account ( XXXX XXXX XXXX XXXX ) is not a personal address and misrepresents consumer profile data in violation of FCRA 609 ( c ).

3. Failure to Respond to Records Request ( FERPA 99.10 - 99.34 ) I have repeatedly requested original promissory notes, loan authorizations, and disbursement records. Failure to provide such documentation within a reasonable period constitutes a procedural violation under FERPA and undermines the enforceability of the loan.

4. Unlawful Debt Collection & Due Process Failures ( FDCPA 809 / FCRA 604 ) Reporting this loan to consumer agencies and third-party collections without proper debt validation and borrower notification violates both FDCPA and FCRAs permissible purpose standards.

I have not received any debt validation letter from a collector in accordance with 15 U.S.C. 1692g ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: NJ

Complaint narrative:
The company has no legal right to debt as third party

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 2025-08-01 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: IL

Complaint narrative:
I am a victim of identity theft. According to the FCRA Section 605b this account must be removed from my report within 4 days of reporting. Please remove immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
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 response to consumer: Closed with non-monetary relief