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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX, XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion, XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Dispute & Demand for Permanent Deletion of Fraudulent Accounts Identity Theft Victim To Whom It May Concern, I am filing this dispute regarding multiple fraudulent credit accounts that have been reported on my credit files across Experian, Equifax, and TransUnion. These accounts were identified in my FTC Identity Theft Affidavit ( Report XXXX. XXXX ) and are the result of identity theft. I have never applied for, opened, or authorized the following accounts : XXXX XXXX {$8700.00} XXXX XXXX {$12000.00} XXXX XXXX {$10000.00} XXXX XXXX {$4000.00} XXXX XXXX  XXXX  {$10000.00} These fraudulent tradelines are damaging my credit, causing collection harassment, and directly violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 
The following violations apply : FCRA 1681i ( a ) : You must conduct a reasonable reinvestigation when a consumer disputes fraudulent information.

FCRA 1681e ( b ) : You must maintain reasonable procedures to assure maximum possible accuracy. Reporting accounts that belong to another person is a violation. 
FCRA 1681c-2 ( FACTA ) : Once a consumer submits an identity theft affidavit, fraudulent accounts must be blocked from appearing on the credit file. 
FCRA 1681i ( a ) ( 5 ) ( B ) : Deleted accounts may not be reinserted unless the furnisher certifies accuracy and the bureau notifies the consumer within XXXX business days. Reinsertion of previously deleted fraudulent accounts without notice is a direct violation. 
FCRA 1681s-2 : Furnishers of information are prohibited from knowingly reporting inaccurate or fraudulent information. 
It is unlawful for any credit bureau to reinsert accounts that were already deleted as fraudulent. Doing so without proper certification and consumer notice constitutes willful noncompliance with federal law. 
I am demanding the immediate and permanent deletion of all fraudulent accounts listed above from my Experian, Equifax, and TransUnion credit reports, along with written confirmation that these accounts have been blocked under FACTA and can not be reinserted. 
If these fraudulent tradelines are not permanently deleted, I will escalate this matter with the CFPB, FTC, and the State Attorney General for enforcement and potential legal remedies. 
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 2025-09-25 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: LA

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

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: GA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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: Incorrect information on your report — Information belongs to someone else
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
Recently, I was notified of a fraudulent account that was sent to collections. This account was originated by XXXX and sent to collections with Sequium Asset Solutions for services being provided to a XXXX address . 

I do not live in XXXX, have no XXXX address or residence, and do not have any accounts with XXXX. As such, I created an online dispute with Experian and contacted Sequium Asset Solutions to request that the account be flagged as fraudulent. Additionally, a police report was filed with my local police department. 

However, in less than XXXX hours, Equifax responded to my dispute, notifying me that the information had been verified and that my investigation was closed. Although Sequium Asset Solutions verified today, the account is under investigation for 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This marks the XXXX instance in which I am addressing the issue of erroneous and deceptive data present on my credit report. As outlined in my prior correspondence dated XX/XX/year>, I emphasized the adverse impact of a flawed credit profile on my job applications, resulting in repeated rejections from potential employers. The current situation has left me deeply apprehensive as the urgency to secure employment is paramount to prevent undue hardships for my family. The frustrating part is that your inaccurate credit reporting not only tarnishes my financial standing but also severely hampers my quality of life.

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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SUN LOAN COMPANY INC.
State: TN

Complaint narrative:
The Sun loan finance company that I had already had a loan with texting me and offering me more money so I called them and said they could not refinance because I did not have a state ID. I told them I have a federal ID through the veterans administration which is much harder to get. They did not require any type of ID on the first loan. When I told them I didn't have a valid Tennessee driver 's license they denied the loan but then the very next week they sent me a text offering me money again. I called them and said you've already denied me so why are you still texting me offering me money. They just kept sending text wanting to loan me more money and the increments of money kept getting larger. I text them back and said you have already denied me would you please stop harassing me. They just kept texting me every week till I finally sent me a live check in the mail for {$1100.00} and I'm much too embarrassed to tell you how much the interest was, but I needed the money for my grandchildren. XXXX days later the finance company withdrew the money from my account causing me to go overdrawn for the first time in 10 years plus.the reason they gave for withdrawing the money is they said they already had an open account with me which I owed approximately {$400.00} and never missed a payment. They told me that there was in fine print on the check saying they could not loan money if there was an open account. Neither I or the bank teller saw this message. I have taken screenshots of the text they sent where they offered me more money and also where I told them to stop harassing me. I do have the proof showing they kept harassing me.

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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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: CCS Financial Services, Inc.
State: MI

Complaint narrative:
I am disputing the continued reporting of a derogatory collection account by Credit Collection Services ( CCS ) on my credit reports with XXXX XXXX, and XXXX. I have previously requested verification of this debt and attempted to resolve the matter directly with CCS, but I have received no response or reasonable validation. 

The debt amount is questionable and outdated, and its ongoing presence unfairly damages my credit score. CCS has refused to provide documentation or any support. I have never conducted business with CCS, they can not validate the debt or demonstrate authorization from the original creditor to collect it, yet they continue to report it on my credit reports. This is an error. I have canceled the policy with [ XXXX ], removed it from auto-pay, and never renewed it. I transferred my coverage to another provider prior to the policys expiration. I have never used the policy for which I am being billed, and I have provided declaration pages confirming this. I never heard of an insurance company reporting to the bureaus. 

I also contacted [ XXXX ], who redirected me to your collections department, creating a repeated cycle of unresolved disputes. I have sent letters and documents as directed by your operators. 

I am formally requesting that the CFPB require Credit Collection Services to remove this inaccurate, outdated, and unverified collection account from my credit reports immediately. I am also requesting that XXXX XXXX, and XXXX remove this item from my credit reports without delay. I also want to validations the credit agencies have to validate, Its presence is causing direct harm to my creditworthiness and ability to obtain credit. Failure to comply with these requests is a violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I expect your prompt attention to this matter and cessation of all collection efforts unless proper verification is provided. 

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Formal Dispute of Re-aged/ Reopened Account Creditor : XXXXXXXX XXXX  Account Number : XXXX To Whom It May Concern, I am writing to formally dispute inaccurate reporting related to the above-referenced account appearing on my credit file. According to my records, this account was previously closed/charged-off, but it now appears to have been re-aged or reopened without my authorization. This action is unlawful and misrepresents the true status and history of the account. 
Under the Fair Credit Reporting Act ( FCRA ), furnishers and credit reporting agencies may not alter the Date of First Delinquency ( DOFD ) to extend the time negative information remains on my report. Re-aging an account constitutes a direct violation of the FCRA.

Accordingly, I request that the credit bureau : 1. Investigate this account and verify the original Date of First Delinquency ( DOFD ).

2. Remove or correct any re-aged or inaccurate reporting associated with this account.

3. Provide me with written confirmation of the results of your investigation.

If this re-aged account remains on my file after investigation, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
I have enclosed a copy of my identification and a copy of my credit report highlighting the disputed account. 
Sincerely, XXXX XXXX XXXX

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Formal Dispute of Re-aged/ Reopened Account Creditor : XXXXXXXX XXXX  Account Number : XXXX To Whom It May Concern, I am writing to formally dispute inaccurate reporting related to the above-referenced account appearing on my credit file. According to my records, this account was previously closed/charged-off, but it now appears to have been re-aged or reopened without my authorization. This action is unlawful and misrepresents the true status and history of the account. 
Under the Fair Credit Reporting Act ( FCRA ), furnishers and credit reporting agencies may not alter the Date of First Delinquency ( DOFD ) to extend the time negative information remains on my report. Re-aging an account constitutes a direct violation of the FCRA.

Accordingly, I request that the credit bureau : 1. Investigate this account and verify the original Date of First Delinquency ( DOFD ).

2. Remove or correct any re-aged or inaccurate reporting associated with this account.

3. Provide me with written confirmation of the results of your investigation.

If this re-aged account remains on my file after investigation, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
I have enclosed a copy of my identification and a copy of my credit report highlighting the disputed account. 
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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

1681c2 ) that you, the TransUnion 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 : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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