vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: IL

Complaint narrative:
I am a victim of identity theft. There are fraudulent accounts that were opened in my name without my knowledge, authorization, or consent. I have already disputed these accounts with the credit bureaus, but they have failed to properly investigate or remove them as required by law. 

The fraudulent accounts are : XXXX XXXX XXXX XXXX XXXX  Under my rights pursuant to the Fair Credit Reporting Act ( FCRA ) 605B, credit reporting agencies are required to block and remove all information resulting from identity theft from my credit file once I provide notice and supporting documentation. In addition, under FCRA 611, the credit bureaus must conduct a reasonable reinvestigation of disputed information and can not continue reporting unverifiable, fraudulent accounts.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: U.S. BANCORP
State: TN

Complaint narrative:
Dear XXXX XXXX Representative, I am writing to request your urgent intervention regarding a long-standing fraudulent account with XXXX XXXX that continues to damage my credit history and financial well-being. 

In XXXX, while living in XXXX, Washington, I was the victim of identity theft. Multiple fraudulent accounts were opened in my name. I immediately took all proper steps : - Reported the issue to the FTC through their XXXX XXXX. 

- Reported the incident to all credit bureaus. 

- Contacted every affected lender. 

- Escalated the issue through federal and consumer protection channels, including the Consumer Financial Protection Bureau ( CFPB ). 

- Filed a police report in XXXX documenting the identity theft when all of the above measures did not help even after XXXX  years. 

Every other financial institution investigated and corrected their records, removing fraudulent accounts from my credit history. Only XXXX XXXX has refused to resolve the issue. 

As a result, a delinquent XXXX XXXX  account that I did not open continues to appear on my credit reports. The consequences have been severe and ongoing : My XXXX XXXX was significantly lowered, preventing me from renting housing on fair terms. 

When purchasing a home, this delinquency created obstacles and additional stress. 

Despite rebuilding my credit through responsible borrowing, XXXX XXXX recently denied my application for XXXX of their own credit cards, citing the same fraudulent delinquency. 

I have already sought CFPBs help in the past regarding this matter, yet XXXX XXXX failure to act continues. At this point, I can not help but feel discriminated against, as I have been treated differently than other consumers who experience identity theft and whose accounts are properly corrected.

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 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX Midland Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX Re : Cease and Desist Demand & Debt Validation Request under 15 U.S.C. 1692c ( c ) and 1692g To Whom It May Concern, This letter serves as my formal demand under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ) that you cease all communication with me regarding the alleged debt you claim I owe. You are hereby instructed not to contact me at my home, workplace, by phone, or through any XXXX XXXX.

In addition, pursuant to 15 U.S.C. 1692g, I am exercising my right to request validation of the alleged debt. Specifically, I request that you provide me with : XXXX. The amount of the alleged debt, including an itemization of fees, interest, and charges ; XXXX. The name and address of the original creditor ; XXXX. A copy of any judgment ( if applicable ) ; XXXX. Copies of any documents bearing my signature that evidence my responsibility for the alleged debt ; and XXXX. Documentation showing that you are authorized to collect this debt in my state. 
Until such validation is provided, you must immediately cease all collection activity, including any reporting or furnishing of information regarding this alleged debt to any credit reporting agency. Reporting a debt that has not been validated violates both the FDCPA and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), and will be treated as unlawful and actionable conduct.

Be advised that any contact from your office outside the narrow exceptions permitted under 1692c ( c ), or failure to provide proper validation as required under 1692g, will be documented and may be used as evidence in a complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General of my state, as well as in any private legal action I may pursue. 
Please confirm in writing that you have received and will comply with this notice. 
Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: MS

Complaint narrative:
I did not consent to, or authorize nor benefit from this account. Block and remove it. 
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 2025-09-25 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: VA

Complaint narrative:
I am lodging this complain against both XXXX and Equifax. I entered into a signed Settlement Agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al. ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Under the Agreement, XXXX was required to submit deletion requests to Equifax, XXXX XXXX XXXX to remove a fraudulent credit card account ending in XXXX from my credit reports. 

Despite the settlement terms and the required timeline for reporting updates ( up to 60 days ), XXXX has continued to allow Equifax to report the fraudulent account. As a result : 1. Mortgage Harm : When my wife and I applied for our first joint mortgage after the settlement timeline elapsed, my application was denied due to the fraudulent XXXX account still being reported on Equifax. My wife had to obtain the mortgage alone, at a higher interest rate than we would have qualified for together if my credit file was accurate.

2. Credit & Loan Harm : I also believed I could now apply for credit cards and refinance a subprime auto loan. However, because Equifax continued to report the fraudulent debt, I was denied refinancing multiple times. The credit cards that did approve me ( with Equifax pulls ) carried extremely high interest rates due to the inaccurate reporting. 
XXXX. Failed Dispute Process : I re-disputed the inaccurate reporting with Equifax XXXX times ( via certified mail on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ). Each time, Equifax and XXXX re-verified the fraudulent account instead of honoring the settlement agreement. 

Supporting Evidence : - Signed Confidential Settlement Agreement with XXXX  dated XX/XX/XXXX, explicitly requiring XXXX  to request deletion of the fraudulent account from all credit reporting agenciesThe Consumer Lawyers settlement.

- Certified Mail dispute records sent to Equifax in XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Requested Resolution : - XXXX enforcement of the XXXX settlement obligations requiring deletion of the fraudulent account from my Equifax file. 
- Correction of my Equifax credit report to remove all references to the fraudulent XXXX account.

- Investigation into XXXX  continued furnishing of inaccurate information in violation of the FCRA, despite a binding settlement agreement. 
- Review of damages caused by denial of mortgage approval, higher mortgage interest rate, denial of auto loan refinancing, and high-interest credit card approvals resulting from this reporting failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their 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 2025-09-25 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: NY

Complaint narrative:
I am very distressed to see that these inaccurate accounts continue to remain on my credit reports, even though they should have been taken off. I am pleading that the documents Ive attached are carefully reviewed right away so that I can finally stop living in constant worry over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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 challenging the inclusion of certain accounts on my credit report, as they were not authorized by me and may involve identity theft. I request their removal after a comprehensive investigation. Documentation is provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
This record misrepresents my payment behavior and seems inaccurate. I respectfully ask that it be corrected upon investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-25 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: LA

Complaint narrative:
I am formally disputing the late payment currently reported on my credit file. This reporting is inaccurate and misleading, as my payment record clearly shows consistency and timeliness. Its continued presence causes unjust harm to my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within XXXX ( XXXX ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized XXXX  inquiries and false collection entries on my XXXX credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-25 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: TN

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, The following fraudulent account was successfully removed from my credit file following a valid identity theft dispute supported by a police report and FTC Identity Theft Report:XXXX  Notice of reinsertion within XXXX business days, XXXX. A certification of accuracy from the data furnisher, XXXX. The name, address, and phone number of the furnishing entity. 
This constitutes a violation of FCRA 1681i ( a ) ( 5 ) ( B ).

Additionally, I submitted a formal revocation of authorization to furnish any data related to this account under FCRA 604. Therefore, continued reporting of this tradeline is unauthorized and unlawful.

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