vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: FL

Complaint narrative:
Formal Identity Theft Block, Reinvestigation, and Deletion Demand FCRA 605B and 611 | XXXX XXXX Code 01 ( XB ) Required | e-OSCAR Dispute Input Dear Sir or Madam : I am writing to demand an immediate block, deletion, and reinvestigation of fraudulent information on my credit report under FCRA 605B ( 15 U.S.C. 1681c-2 ) and 611 ( 15 U.S.C. 1681i ). I am a victim of identity theft, and the following accounts, inquiries, and/or personal data were reported without my authorization : Account Name : XXXX XXXX XXXX ; Account Number : XXXX Account Name : ADDITION FINANCIAL XXXX ; Account Number : XXXX These items are the result of identity theft and do not relate to any transaction I made or authorized. 
NOTICE REGARDING FTC XXXX SHUTDOWN : Due to the ongoing government shutdown, I am unable to file or obtain an FTC Identity Theft Report via XXXX. In lieu of this, I am enclosing a copy of my police report as my identity theft report, which alleges the theft with specificity as required by FCRA. I am also providing proof of identity and proof of address to support my claim. This documentation is sufficient under federal law to trigger your obligations for blocking and reinvestigation.

Under FCRA 605B, you must block this information within XXXX business days of receipt. Under 611, you must conduct a reasonable reinvestigation, notify the furnishers via e-OSCAR, and delete or correct the items if fraud is confirmed. Please apply XXXX XXXX compliance code 01 ( XB ) to mark these as disputed due to fraud.

Please send written confirmation of the block and results of the reinvestigation to the address above. If you fail to comply, I reserve the right to pursue remedies under FCRA, including statutory damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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:
Formal Identity Theft Block, Reinvestigation, and Deletion Demand FCRA 605B and 611 | XXXX XXXX Code 01 ( XB ) Required | e-OSCAR Dispute Input Dear Sir or Madam : I am writing to demand an immediate block, deletion, and reinvestigation of fraudulent information on my credit report under FCRA 605B ( 15 U.S.C. 1681c-2 ) and 611 ( 15 U.S.C. 1681i ). I am a victim of identity theft, and the following accounts, inquiries, and/or personal data were reported without my authorization : Account Name : XXXX XXXX XXXX ; Account Number : XXXX Account Name : ADDITION FINANCIAL XXXX ; Account Number : XXXX These items are the result of identity theft and do not relate to any transaction I made or authorized. 
NOTICE REGARDING FTC XXXX SHUTDOWN : Due to the ongoing government shutdown, I am unable to file or obtain an FTC Identity Theft Report via XXXX. In lieu of this, I am enclosing a copy of my police report as my identity theft report, which alleges the theft with specificity as required by FCRA. I am also providing proof of identity and proof of address to support my claim. This documentation is sufficient under federal law to trigger your obligations for blocking and reinvestigation.

Under FCRA 605B, you must block this information within XXXX business days of receipt. Under 611, you must conduct a reasonable reinvestigation, notify the furnishers via e-OSCAR, and delete or correct the items if fraud is confirmed. Please apply XXXX XXXX compliance code 01 ( XB ) to mark these as disputed due to fraud.

Please send written confirmation of the block and results of the reinvestigation to the address above. If you fail to comply, I reserve the right to pursue remedies under FCRA, including statutory damages.

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 2025-11-10 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony Bank XXXX. XXXX XXXX XXXX, OH XXXX Subject : Formal Notice of Fraudulent Account Demand for Immediate Deletion and Investigation Dear Synchrony Bank XXXX XXXX Department, This letter serves as a formal legal notice that an account has been fraudulently opened under my name and Social Security number with Synchrony XXXX Card. I did not authorize, open, or have any involvement with this account. This constitutes a clear case of identity theft and unauthorized use of my personal information. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I am demanding the following actions be taken immediately : Immediate removal and deletion of this fraudulent account from all internal records and reporting to the credit bureaus. 

Cessation of all collection activities and reporting to any third party regarding this account.

A complete copy of the account file, including : The original signed application ; The identification used to open the account ; All associated addresses, phone numbers, XXXX logs, or communications related to the creation or use of this account. 

Be advised that failure to comply with this request or to respond within XXXX  days will constitute willful noncompliance with XXXX  law. I reserve all rights to pursue civil remedies and to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state Attorney Generals office. 

Please provide written confirmation that this fraudulent account has been permanently deleted from your records and that all credit reporting agencies have been duly notified. 

Sincerely, 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 2025-11-10 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: CA

Complaint narrative:
I am requesting that Experian reinvestigate the following information. If the information can not be fully verified, I am requesting immediate correction or removal. 

CHARGED-OFF ACCOUNTS ( XXXX ) XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$320.00} XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$5500.00} INQUIRIES ( XXXX  ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX LATE PAYMENTS ( XXXX ) XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX  This late payment appears inaccurate or unverified. If it can not be fully substantiated with records, I request removal.

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 2025-11-10 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:
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.

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 2025-11-10 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: FL

Complaint narrative:
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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: EQUIFAX, INC.
State: OH

Complaint narrative:
When reviewing my credit report, I discovered several XXXX  inquiries that I never authorized. 
These inquiries do not correspond to any applications or credit requests that I made, and I believe they may have resulted from identity theft or misuse of my personal information. 
To protect myself and follow the proper legal process, I filed a Police Report ( XXXX XXXX. XXXX ) documenting the unauthorized activity. 
Under the Fair Credit Reporting Act ( FCRA ), once a valid identity-theft report is submitted, the credit bureau XXXX XXXX required to block and delete any unauthorized information within XXXX ( XXXX ) business days. 
This requirement is clearly established under FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

Despite providing my police report and full documentation, the unauthorized hard inquiries remain on my credit file.

Each inquiry represents access to my private credit data without permissible purpose, violating FCRA Section 604 ( 15 U.S.C. 1681b ).

The continued appearance of these inquiries has harmed my credit score and raised concerns about the security of my personal information. 
It is unfair that I should suffer damage to my creditworthiness due to inquiries that I never authorized or initiated. 
I have acted responsibly by filing a police report, gathering proof, and contacting the bureau directly. 
However, no correction has been made, and I am now seeking the CFPBs intervention to ensure compliance with federal law and restoration of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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 submitting this statement to dispute certain accounts that are inaccurately reported on my credit file. I request that these items be reviewed and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). Below is a detailed list of the disputed accounts, separated by credit bureau : Charged-Off Accounts : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$930.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-10 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: CA

Complaint narrative:
I wish to formally dispute the accounts referenced above. They are not mine, and I did not permit their creation. I respectfully request a comprehensive review and subsequent deletion. Documentation is enclosed.

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 2025-11-10 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: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-10 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:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

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 2025-11-10 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: MS

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
THIS IS INACCURATE LATE PAYMENT.I WAS NEVER BEEN LATE.

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 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
My father died on XX/XX/year>. Around XX/XX/XXXX, I called XXXX XXXX to tell them of his death. They told me they would take care of it but I needed to send them a death certificate. I never received another statement nor did they debit his checking account as they always did in the past. I finally got the death certificate and mailed it to XXXX XXXX Bank on XX/XX/year>. In XXXX I got a statement from Barclays that showed an account balance of {$1200.00} with a past due amount of {$110.00} ( over {$200.00} a month in interest for 5 months ). I called Barclays on XXXX XXXX multiple times, again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each and every time I called the automated machine would tell me the outstanding balance and minimum payment due. But, when I finally get to talk to a person ( different every time ) I was told the system is being updated and to call back in XXXX hours. What respectable business has a system update that lasts for months. If the automated answering machine can tell me account details so can the people answering the phones. I gave up and paid the past due amount as that was probably owed. Barclay sent a letter on XX/XX/XXXX that says the account is no longer past due. On XX/XX/XXXX, XXXX XXXX emailed a new statement, Bal Due {$1100.00}. Also on XX/XX/XXXX, Barclays emailed telling me a payment was missed. Then on XX/XX/XXXX another email from Barclays saying the XXXX payment was missed.

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 2025-11-10 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: MN

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-10 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: MD

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX  XXXX - Acct # XXXX - Closed - 54 potentially negative months XXXX XXXX XXXX  - Acct # XXXX - Collection account - Balance {$2400.00} PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX CARD - XX/XX/year> XXXX CARD - XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX  - Acct # XXXX - 1 late payment XXXX XXXX XXXX XXXX XXXX - Acct # XXXX - 4 late payments

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