vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
I write as a documented XXXX XXXX XXXX victim of identity theft arising from the XXXX  data breach. You are knowingly reporting false, fraudulent accounts in my file without authorization. That ends now. My Social Security Number and other personal data were compromised in the XXXX breach. I possess incontrovertible proof of SSN exposure. Consequently, my credit file is contaminated with accounts I did not open. Your deliberate failure to investigate, verify, and expunge these entries violate : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

a. 1681e ( b ) : Duty to maintain reasonable procedures to ensure maximum possible accuracy b. 1681i ( a ) : Duty to conduct a reasonable reinvestigation upon dispute c. 1681i ( 5 ) ( A ) : Duty to notify consumer of reinvestigation results in writing d. 1681c-2 : Mandatory expungement of identity-theft information 2. 15 U.S.C. 1681s-2 ( b ) : Furnishers duty after notice of dispute 3. Georgia Fair Business Practices Act, O.C.G.A. 10-1-390 et seq.

4. Georgia Credit Reporting Security Freeze Act, O.C.G.A. 10-1-393 5. Georgia Unauthorized Use of Personal Identifying Information, O.C.G.A. 10-1-903 Under FCRA 1681i and Georgia Code, you must complete a documented, effective investigation of each disputed item, including : a. Verification from the original creditor with wet-ink signature on the application b. Copy of government-issued photo ID used to open each account c. Proof of my express written authorization to open the accounts d. Confirmation of account opening dates relative to the XXXX breach period e. Direct, signed affidavit from the original creditor ; no automated or cursory verifications Your obligations under FCRA 1681c-2 to expunge identity-theft information are absolute upon my written notice. Your prior letter admitting you couldnt expunge fraudulent entries constitutes either willful non-compliance or gross negligence of your statutory duties. I will use that refusal as evidence of willfulness to pursue punitive damages. I never authorized these accounts ; they are fraudulent : XXXX. XXXX XXXX # XXXX Bal $ XXXXFraud Alleged Date : XXXX XXXX Unauthorized, No Wet Signature Hard Inquiries : a ) XXXX XXXX XXXX  : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  : XX/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 explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Experian data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/year> Reported Balance : {$0.00}

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 2025-11-19 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
I am filing this complaint because Early Warning Services ( EWS ) is reporting inaccurate and fraud-related information about my past bank accounts. These negative entries are the result of identity theft and unauthorized activity that occurred between XXXX and XXXX. During this time, my personal and financial information was compromised, and several bank accounts experienced fraudulent withdrawals, unauthorized ACH debits, and account changes that I did not authorize or initiate. 

These incidents were later reported to EWS as negative checking-account history, including account closures and account abuse flags, even though the underlying activity was caused by identity theft. This information does not accurately reflect my behavior or my banking habits, and it is not representative of who I am as a consumer. 

I have already submitted a formal dispute directly to EWS, including : my FTC Identity Theft Affidavit Despite these efforts, I am concerned that EWS may not fully correct or delete the fraudulent information in a timely manner. The inaccurate reporting is preventing me from opening basic checking and savings accounts and is causing ongoing hardship in my daily life.

I am respectfully requesting CFPB assistance to ensure that Early Warning Services conducts a complete, fair, and lawful reinvestigation in compliance with the FCRA, and that all entries tied to identity theft, unauthorized activity, or unverifiable information are removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.T.R. Financial Services, Inc.
State: FL

Complaint narrative:
Received a bill from RTR Financial Services. INC Ref # XXXX ( XXXX ) Staes they are a debt collector for XXXX XXXX XXXX XXXX XXXX Debt for XX/XX/XXXX. XXXX amt : {$240.00}. I am disputing this because I have not used any XXXX services, and it states from XX/XX/year> -- -- -- -- -- and today? 

This is not my debt whatsoever, and I am a victim of ID theft. Reports were filed. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-19 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: NE

Complaint narrative:
I am submitting this dispute to address discrepancies found on my credit report across the three major credit bureaus : XXXX  ( XXXX ), XXXX  ( XXXX ), and TransUnion ( TU ). These errors involve charged off accounts, inquiries, and late payments. Below is a breakdown of the disputed items for each bureau. 
Charged Off Accounts :XX/XX/MERCURY Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00}XX/XX/XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$390.00} XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$470.00} XX/XX/XXXXAccount Number : XXXX, Date : XX/XX/XXXX, Balance : {$1000.00} XX/XX/XXXXAccount Number : XXXX, Date : XX/XX/XXXX, Balance : {$3200.00} Inquiries : XX/XX/XXXX, Date : XX/XX/XXXX Late Payments : XXXX XXXX, Account Number : 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 2025-11-19 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  XX/XX/XXXX - {$0.00} XXXX  XXXX - XX/XX/XXXX - {$1900.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1000.00} XXXX XXXX XXXXXX/XX/XXXX - {$200.00} XXXX - XX/XX/XXXX - {$2900.00} XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$770.00} XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX XXXX - XX/XX/XXXX - {$88.00} Hard Inquiries : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: AL

Complaint narrative:
I am submitting this dispute to address discrepancies found on my credit report across the three major credit bureaus : XXXX  ( XXXX ), XXXX  ( XXXX ), and TransUnion ( TU ). These errors include charged off accounts, inquiries, and late payments. Below is a breakdown of the disputed items for each bureau.Charged Off Accounts : XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$620.00} XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$1400.00} XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$370.00} XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$700.00} XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$830.00} XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$710.00} XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$700.00} XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$1000.00} Inquiries : XXXX XXXX, Date : XX/XX/XXXX XXXX  XXXX, Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX XXXX  XXXX, Date : XX/XX/XXXXXXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX  XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX  XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number : 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 2025-11-19 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: AR

Complaint narrative:
I, 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 non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
According to 15 U.S.C 1692C you have violated my rights by inlawful communications please remove this collection off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this formal complaint against Experian on behalf of XXXX XXXX, due to Experians failure to comply with the Fair Credit Reporting Act ( FCRA ) and its legal obligation to complete a proper reinvestigation within the 30-day statutory timeframe outlined in FCRA 1681i ( a ). Experian is now past due on its federally mandated deadline. Even after the dispute was fully submitted, Experian failed to perform a lawful reinvestigation and instead continued reporting inaccurate, inconsistent, and unverifiable information on the consumers file. This is a direct violation of federal requirements, as Experian may not legally continue publishing disputed data that it failed to verify within the required timeframe.

Upon review of the Experian credit file, several reporting failures, inconsistencies, and unverifiable data points were identified. Experian continues reporting delinquency codes that conflict with the consumers payment history, contradictory date last active versus date last payment entries, and unresolved dispute notations that do not align with a proper reinvestigation. Instead of correcting these errors within the legally required 30 days, Experian allowed the period to expire while continuing to publish harmful and inaccurate informationdirectly damaging the consumers creditworthiness and financial opportunities. 

The following accounts contain disputed, inaccurate, or unverifiable information : XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Acct # : XXXXXXXX XXXX XXXX XXXX XXXX Experians reporting on these accounts includes unresolved delinquency coding errors, incorrect dates, improper activity statuses, and charge-off information that has not been properly verified. The continued presence of remarks such as subscriber reports dispute resolved ; consumer disagrees confirms that Experian acknowledged the dispute but failed to perform a complete reinvestigation within the legally required timeframe. Under the FCRA, Experian can not continue to report unverifiable information after missing the 30-day deadline. 

Experians failure to investigate, verify, or correct the disputed information constitutes negligent and non-compliant behavior under federal law and has negatively impacted the consumers financial position.

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 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have been a Navy Federal customer for years and thought to trust them with applying for a card for transfer credit. They swindled me into applying for a card with verbiage that made me think it was possible to Decline said card if not approved for the balance requested. A little over two weeks ago I did this. After this fiasco I was then again told that I had the option of declining the card. But I havent been properly communicated with and its now negatively affecting my credit. I requested a formal review on the conversation with knowing what was asked so that I had clarity before adding an hard inquiry. Initially providing me with false information leading me to apply for the credit card. Now its costing me money that shouldnt happen on a lack of communication from their side. The supervisor XXXX, also was dismissive and hung up on me rudely and abruptly though I never raised my voice, wasnt rude, and didnt cause a commotion of any sort. The lack of accountability is disheartening from a member.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation