vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: GA

Complaint narrative:
Subject : Complaint Against XXXX XXXX FCRA & FDCPA Violations Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against XXXX XXXX for unlawful debt collection activity and inaccurate reporting of a collection account. 

Account Information : Debt Collector : XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number : # XXXX Balance : {$62.00} Violations : FDCPA 805 ( c ) : Failure to cease communication upon written request FDCPA 809 : Failure to validate alleged debt FCRA 609 ( a ) ( 1 ) : Failure to provide verification of debt FCRA 623 ( a ) ( 1 ) ( A ) : Reporting inaccurate or unverifiable debt XXXX XXXX is reporting this collection account without providing any validation or documentation proving the alleged debt. I have formally requested verification, which they have failed to provide, yet they continue to report this information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: GA

Complaint narrative:
Subject : Complaint Against XXXX XXXX FCRA & FDCPA Violations Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against XXXX XXXX for unlawful debt collection activity and inaccurate reporting of a collection account. 

Account Information : Debt Collector : XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number : # XXXX Balance : {$62.00} Violations : FDCPA 805 ( c ) : Failure to cease communication upon written request FDCPA 809 : Failure to validate alleged debt FCRA 609 ( a ) ( 1 ) : Failure to provide verification of debt FCRA 623 ( a ) ( 1 ) ( A ) : Reporting inaccurate or unverifiable debt XXXX XXXX is reporting this collection account without providing any validation or documentation proving the alleged debt. I have formally requested verification, which they have failed to provide, yet they continue to report this information to the credit bureaus.

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 2025-04-01 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: LA

Complaint narrative:
Subject : Urgent Dispute Fraudulent Auto Loan on My Equifax Credit Report To the Consumer Financial Protection Bureau, I am submitting a formal dispute regarding a fraudulent auto loan that was obtained in my name without my knowledge. This unauthorized account is currently being reported by XXXX with a balance of {$11000.00} on my Equifax credit report. 
My personal identification was compromised in multiple data breaches, including the XXXX XXXX XXXX XXXX XXXX XXXX, the Equifax breach, and the National breach. These breaches exposed my sensitive information, making me a victim of identity theft and leading to this fraudulent auto loan appearing on my credit report. 

The continued reporting of this fraudulent account is a clear violation of my rights under federal consumer protection laws, including but not limited to : 31 U.S.C. 5118 ( protection of financial information ) 18 U.S.C. 1028A ( aggravated identity theft ) 15 U.S.C. 1681c-2 ( blocking fraudulent information from credit reports ) 15 U.S.C. 1681b ( permissible purpose for consumer reports ) Regulation V under the FCRA, which mandates credit reporting agencies to ensure maximum possible accuracy. 

Under these laws, I am demanding the immediate and permanent deletion of this fraudulent auto loan from my Equifax credit report. Additionally, I request : XXXX. A thorough investigation into this matter. 

XXXX. Written confirmation once the fraudulent account is removed. 

XXXX. Preventative measures to ensure that fraudulent accounts are not reinserted into my credit report in the future. 

I am also submitting a copy of my FTC Identity Theft Affidavit, which further supports my claim of identity theft. The presence of this fraudulent account is causing significant harm to my creditworthiness, and I request immediate action to rectify this issue. 

Please process this dispute with urgency and confirm compliance with all applicable FCRA consumer protection laws to ensure my rights are upheld. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$1000.00} from XXXX, listed on my XXXX report, and following a thorough investigation, XXXX has XXXX removed this unverifiable debt from my report as of XX/XX/XXXX. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. 
Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 

Please provide confirmation of this removal within 30 days of receipt of this request. If the the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed.

Thank you for your immediate attention to this request. 

Sincerely, 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 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I was denied a checking account becsuse of information they received from XXXX. And said i needed to contact you guys. This is not the first time ive been unable to open a bank account or savings account because of this. Anytime i apply i get rejected because of this reason. I have no idea why i would be in XXXX XXXX  for any reason. Ive never been approved for anything because of my name being linked to this system its a nightmare. Please help me resolve this so i can try to be a normal person for once in my life. Please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am filing a complaint against Equifax, XXXX and Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the account that I have marked inaccurate. 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 2025-04-01 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: TN

Complaint narrative:
This account is listed as a charged off account on my credit report but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately.

Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation.

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting

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 2025-04-01 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: LA

Complaint narrative:
Subject : Urgent Dispute Fraudulent Collection Accounts on My Equifax Credit Report To the Consumer Financial Protection Bureau, I am filing a formal dispute against Equifax for reporting fraudulent collection accounts on my credit report. My personal information was compromised in the XXXX XXXX XXXX Hotels breach, the National breach, and the Equifax credit breach, which may have led to these unauthorized accounts appearing on my report. 

The following fraudulent collection accounts must be permanently removed XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX and XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX$760.00} XXXX {$310.00} XXXX {$310.00} These inaccurate accounts violate FCRA consumer protection laws, including : Regulation F Prohibiting unfair and deceptive collection practices 15 U.S.C. 1681B Unauthorized access to consumer reports 15 U.S.C. 1637B Consumer protections regarding fraudulent credit reporting 12 CFR 1026.13 Dispute resolution for billing errors 15 U.S.C. 1666B Prohibiting the reporting of inaccurate or unverified information I demand an immediate and permanent deletion of these collection accounts from my Equifax credit report. Additionally, I request a written confirmation that these accounts have been removed and will not reappear. 

Equifax must comply with federal consumer protection laws and ensure that fraudulent information is not reported on my credit file. I expect a prompt resolution to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES 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
Consumer complaint received 2025-04-01 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: NJ

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. 
Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 


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 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 2025-04-01 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: AZ

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process.

2.Sarver v. Experian Information Solutions , Inc. , 390 F.3d 969 ( 7th Cir. 2004 ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report.

3.Henson v. Santander Consumer USA , Inc. , 2017 U.S. Dist . LEXIS 191143 ( E.D. Va. 2017 ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am currently reviewing my Equifax Credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, TX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these accounts. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX and XXXX for it's failure to properly investigate consumer disputes, citing : sham investigations, '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer reports properly. 

I believe that this is the situation that continue 's to occur with my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and any name there that pertains to the company that has {$16000.00} ( varies depending on if what credit bureau ) for the dates beginning XXXX XXXX XX/XX/year>. 

It is my belief that if Experian would have done a thorough investigation they would see that XXXX has dented this account because the account is fraudulent. I have sent a complaint to the XXXX XXXX XXXX XXXXXXXX. 

I know that Experian has not done a proper investigation because even the XXXX  can not reach a resolution due tot he fact that XXXX XXXX XXXX goes under many different alias and has different employees coming in and out on a monthly basis. There is no way to track the account 's sense why I will not accept this debt. 

These allegations highlight systematic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned tat my dispute may be mishandled as in a similar manner, as I have sent in by certified mail proof of XXXX deletion, proof that this fraud and to no avail. No explanation from Experian whatsoever. Just that the account remains the same.

Under the FCRA you are required to : Conduct a proper investigation into my dispute. XXXX XXXX XXXX informed me that all calls were recorded so there is tangible evidence if you look into it properly of XXXX XXXX XXXX receiving me of the debt. However, the XXXX people that made the guarantee quit the company and XXXX is now bringing up old accounts and fradulantly making accusations as you can gather from the XXXX. 
I have a right to the results of a true investigation in a clear and honest manner as I know that you will provide.

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