vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: NC

Complaint narrative:
Dear CFPB, I am writing to formally report an incident of identity theft that has led to unauthorized accounts/ Inquiries and/or information being reported on my credit file. I recently reviewed my credit report and noticed. 
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 These entries are fraudulent, as I have not authorized or initiated any such accounts, transactions, or credit inquiries. I believe that my personal information has been used without my knowledge or consent. 

To support this claim, I have enclosed the following documentation : A copy of my government-issued ID A copy of my recent credit report with the unauthorized items highlighted/ A completed FTC Identity Theft Report or police report XXXX Any relevant correspondence or documentation from the affected creditor ( XXXX ) I request that you investigate this matter and take the appropriate action to have the unauthorized entries removed from my credit record. Additionally, I ask that you ensure no further reporting is made by these fraudulent accounts. 

Please confirm receipt of this letter and notify me of any further information you may need to proceed with this investigation. I appreciate your attention to this matter and look forward to resolving it as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NC

Complaint narrative:
Dear CFPB, I am writing to formally report an incident of identity theft that has led to unauthorized accounts/ Inquiries and/or information being reported on my credit file. I recently reviewed my credit report and noticed. 
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 These entries are fraudulent, as I have not authorized or initiated any such accounts, transactions, or credit inquiries. I believe that my personal information has been used without my knowledge or consent. 

To support this claim, I have enclosed the following documentation : A copy of my government-issued ID A copy of my recent credit report with the unauthorized items highlighted/ A completed FTC Identity Theft Report or police report XXXX Any relevant correspondence or documentation from the affected creditor ( XXXX ) I request that you investigate this matter and take the appropriate action to have the unauthorized entries removed from my credit record. Additionally, I ask that you ensure no further reporting is made by these fraudulent accounts. 

Please confirm receipt of this letter and notify me of any further information you may need to proceed with this investigation. I appreciate your attention to this matter and look forward to resolving it as soon as possible. 

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 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX I opened a account with navy federal and it was fine until one day someone tried to XXXX me money and the XXXX failed due to being new contact for person, when the XXXX  failed I was told there was a hold on my account for some reason or another, a few days after that on XX/XX/XXXX they explained my account will be closed due no real explanation at branch or on phone because they explained they dont have to share it with me. I still dont understand why it happened and never got an explanation but I still receive membership letters from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX - XXXX * * * * As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-04-22 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:
Submitted By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX Complaint Against : TransUnion LLC Subject : URGENT IDENTITY THEFT COMPLAINT IMMEDIATE REMOVAL AND PERMANENT BLOCKING OF FRAUDULENT ACCOUNTS To Whom It May Concern, This is a formal identity theft complaint filed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. against TransUnion LLC for continued reporting of accounts that were fraudulently opened in my name without my knowledge, authorization, or consent.

I am a victim of identity theft and have submitted an official FTC Identity Theft Report ( Report # XXXX ) and a police report as required under 15 U.S.C. 1681c-2.

Despite receiving proper documentation, TransUnion continues to report the following fraudulent and unauthorized accounts, all of which are listed in my FTC Identity Theft Report : 1. XXXX XXXX Account Ending in XXXX | {$6700.00} 2. XXXX XXXX Account Ending in XXXX | {$1900.00} 3. XXXX XXXX  Account Ending in XXXX | {$840.00} 4. XXXXXXXX XXXX  Account Number XXXX| {$11000.00} 5. XXXX XXXX XXXX XXXX XXXX | {$1100.00} Under FCRA 1681c-2, TransUnion is required to block and delete all information related to identity theft within 4 business days of receiving a proper identity theft report and supporting documentation. Failure to comply is a clear violation of federal law.

I further demand that TransUnion : Immediately delete all listed accounts and any associated inquiries.

Permanently block the reinsertion of these accounts per 1681c-2 ( c ).

Provide a complete method of verification under 1681i ( a ) ( 6 ) ( B ) ( iii ), including : Name and contact info of the data furnisher, Specific documents used to verify the data, Details of the reinvestigation conducted.

You are also in violation of 1681e ( b ) for failing to ensure the maximum possible accuracy of my credit file.

This complaint places TransUnion on final notice. If all fraudulent accounts are not deleted and permanently blocked within 4 business days, I will pursue civil action under 1681n and 1681o for : Statutory damages, Actual damages, Emotional XXXX Court costs and attorneys fees.

You are legally obligated to take corrective action and provide written confirmation of permanent deletion and blocking. 

Sincerely, XXXX XXXX XXXX Date : XX/XX/scrub> 2025 2025

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 2025-04-22 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX  Experian XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX  TransUnion XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX  Experian XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX  TransUnion Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am submitting this complaint regarding XX/XX/XXXXandXX/XX/XXXXunauthorized reporting of my personal information. I recently became aware that these consumer reporting agencies, along with the furnishers of information, have been reporting my private data without my written consent.

Under 15 U.S.C. 1681b, consumer reporting agencies may only furnish a report with the consumers written instructions, which I have never provided. Additionally, under 12 CFR 1016.7, I have the right to opt out of such information sharing at any time, and I am now exercising that right.

Furthermore, I was never informed of my right to prevent nonpublic personal information from being disclosed to nonaffiliated third parties, as required by 15 U.S.C. 6802 ( b ) ( c ).

I respectfully request thatXX/XX/XXXXXX/XX/XXXXand the furnishers of information cease reporting my information immediately, as their actions violate federal law. Detailed information regarding these violations is included in my attached letter.

I appreciate your time and attention to this matter and look forward to a prompt resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the XXXX  data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-04-22 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: NC

Complaint narrative:
Final Notice Re : CFPB Complaints # XXXX & # XXXX FTC Identity Theft Report # : XXXX To Whom It May Concern, This is a formal Final Notice regarding TransUnions continued non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically Sections 605B and 611, as documented in prior CFPB Complaints # XXXX ( submitted XX/XX/XXXX ) and # XXXX ( submitted XX/XX/XXXX ). 

On XX/XX/XXXX, I submitted a proper identity theft dispute to TransUnion, including : A valid FTC Identity Theft Affidavit ( Report # XXXX ) Government-issued ID and proof of address Supporting evidence of a related data breach Details of the fraudulent XXXX XXXX  in question ( Account # XXXX * * * * opened at XXXX on XX/XX/XXXX ) Despite receiving all required documentation, TransUnion has failed to comply with its obligations under FCRA 605B , which mandates that a credit reporting agency must block fraudulent information within four business days. Instead, TransUnion verified the disputed account without supplying any meaningful or verifiable evidence, violating FCRA 611s requirement for a reasonable and transparent reinvestigation. 

This fraudulent account has directly resulted in unauthorized credit inquiries and multiple collection actions, causing measurable harm. I am now demanding that TransUnion immediately and permanently block and remove this account and all associated inquiries and collections from my credit file, in accordance with FCRA 605B. Additionally, I request that all related collection activity cease, as protected under both the FCRA and the FDCPA.

TransUnions repeated failure to take appropriate action demonstrates a disturbing pattern of non-compliance with federal law and CFPB directives. I respectfully request that the CFPB take enforcement action against TransUnion to protect my rights and ensure compliance with applicable consumer protection laws.

These accounts are the result of identity theft and have caused multiple fraudulent hard inquiries and collections. I request that Transunion immediately block and permanently remove these items and that all related collection activity cease, as required under the FCRA and FDCPA. Ive attached FTC Identity Theft Complaint # XXXX as supporting documentation. XXXX continued failure to comply with federal law and CFPB guidance reflects a pattern of neglecting consumer rights. I urge the CFPB to take appropriate enforcement action.

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 2025-04-22 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:
I am contacting you regarding my federal student loan account, aidvantage which currently shows the following : Unpaid Principal : {$11000.00} and {$16000.00} currently its XXXX Unpaid Interest : {$5500.00} Current Balance : {$16000.00} Interest Rate : 6.410 % ( Fixed ) Interest Accrued Through : XX/XX/year> I believe there may be an issue with how the interest has accrued or how payments have been applied. I have not received clear communication or statements showing how these amounts were calculated.

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 2025-04-22 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: TX

Complaint narrative:
I am contacting you regarding my federal student loan account, XXXX  which currently shows the following : Unpaid Principal : {$11000.00} and {$16000.00} currently its XXXX Unpaid Interest : {$5500.00} Current Balance : {$16000.00} Interest Rate : 6.410 % ( Fixed ) Interest Accrued Through : XX/XX/year> I believe there may be an issue with how the interest has accrued or how payments have been applied. I have not received clear communication or statements showing how these amounts were calculated.

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 2025-04-22 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 contacting you regarding my federal student loan account, XXXX  which currently shows the following : Unpaid Principal : {$11000.00} and {$16000.00} currently its XXXX Unpaid Interest : {$5500.00} Current Balance : {$16000.00} Interest Rate : 6.410 % ( Fixed ) Interest Accrued Through : XX/XX/year> I believe there may be an issue with how the interest has accrued or how payments have been applied. I have not received clear communication or statements showing how these amounts were calculated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-22 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-22 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: MO

Complaint narrative:
I just reviewed my credit report and noticed there are accounts being reported that I have no knowledge of. These accounts are completely unknown to XXXX never opened them, never used them, and was never notified of their existence. I dont know how they ended up on my report, but they do not belong to me and theyre presenting a false picture of my financial history. This is incredibly frustrating and unacceptable.

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 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My previous complaint XXXX XXXXXXXX explains the problem I had with XXXX over XXXX simple deposit of XXXX checks. When I filed my complaint, the lost funds appeared in my account online the next day. I was also contacted by XXXX people who made the usual attempts to XXXX  and mollify me. I allowed matters to subside. But today upon visiting the local branch and attempting to move funds, I was told that the funds were on hold. Even the representative with whom I spoke found it incredible that funds should be on hold after all this time, almost XXXX weeks since the original deposit with XXXX. Even more ludicrous was being told the funds would be released " tomorrow ''. Have I heard this previously? I am livid.

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