vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX  TX XXXX TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Subject : Identity Theft Dispute and Request for Removal of Fraudulent Accounts Under FCRA Section 605B To Whom It May Concern, I am writing to formally dispute two fraudulent accounts that have been reported on my credit file by your respective credit bureau. These accounts were not authorized, opened, or used by me and are the result of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), Section 605B, I am requesting that these accounts be blocked and permanently removed from my credit report. 

The fraudulent accounts are as follows : XXXX XXXX. 

Date Opened : XX/XX/XXXX Balance : {$0.00} Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Number : XXXX XXXX XXXX XXXX XXXX  Under the FCRA, credit bureaus are required to block such information from a consumers report within four ( 4 ) business days of receiving a valid identity theft report. I have taken the necessary legal steps, including filing an Identity Theft Report with the FTC. 

Attached documentation : FTC Identity Theft Report

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 2025-05-09 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:
XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX  TX XXXX TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Subject : Identity Theft Dispute and Request for Removal of Fraudulent Accounts Under FCRA Section 605B To Whom It May Concern, I am writing to formally dispute two fraudulent accounts that have been reported on my credit file by your respective credit bureau. These accounts were not authorized, opened, or used by me and are the result of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), Section 605B, I am requesting that these accounts be blocked and permanently removed from my credit report. 

The fraudulent accounts are as follows : XXXX XXXX. 

Date Opened : XX/XX/XXXX Balance : {$0.00} Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Number : XXXX XXXX XXXX XXXX XXXX  Under the FCRA, credit bureaus are required to block such information from a consumers report within four ( 4 ) business days of receiving a valid identity theft report. I have taken the necessary legal steps, including filing an Identity Theft Report with the FTC. 

Attached documentation : FTC Identity Theft Report

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Unfortunately im directly affected by the Equifax data breach. upon checking my credit report i found unauthorized accounts and inquiries! due to this unfortunate situation these must be removed immediately. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Unfortunately im directly affected by the Equifax data breach. upon checking my credit report i found unauthorized accounts and inquiries! due to this unfortunate situation these must be removed immediately. 
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

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 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
BMO is sending me unsolicited advertisements for banking products even though I am already PERMANENTLY on the OPT OUT LIST at OPTOUTPRESCREEN.COM.

I DO NOT WANT YOUR PRODUCTS. DO NOT SEND ME ANY FURTHER COMMUNICATIONS OF ANY KIND, EVER!!!

I consider this to be malicious harassment and stalking. If BMO will not stop sending me unwanted mail, I will file for a restraining order against them and file for criminal and civil penalties for violating the consumer protection laws.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: NY

Complaint narrative:
I need a copy of my free credit report for XXXX so that I can see if the false information was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I discovered that my identity had been compromised, which included the loss of my drivers license, passport, credit cards, and other personal documents. Since then, I have seen numerous fraudulent accounts and collections appear on my credit reportnone of which I opened, authorized, or conducted business with. Despite my best efforts to resolve this issue with creditors and legal assistance, the situation remains unresolved

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 2025-05-09 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I discovered that my identity had been compromised, which included the loss of my drivers license, passport, credit cards, and other personal documents. Since then, I have seen numerous fraudulent accounts and collections appear on my credit reportnone of which I opened, authorized, or conducted business with. Despite my best efforts to resolve this issue with creditors and legal assistance, the situation remains unresolved

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 2025-05-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED 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 XXXX740.00} These accounts has resulted in several appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  They are providing my data without my consent. Not to mention that data is inaccurate. This report is in regards to my private data I will be including attorneys generals complaint number 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written authorization instruction 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Convergent Account # 1-2 has violated my rights. 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

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 2025-05-09 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:
Fraudulent accounts were opened in my name without my knowledge or consent by my ex-wife, XXXX XXXX, sometime before or during our separation. She has admitted to opening at least one account ( XXXX XXXX ) using my identity and also implied she opened others but would not disclose the details. These fraudulent accounts led to negative marks on my credit report, including a {$360.00} collection from XXXX XXXX XXXX, which caused my credit score to drop by XXXX points. 

I have resided at my current address in XXXX XXXX, CA since 2015, and I believe these accounts were opened using her IP address while she was living in XXXX XXXX. I recently discovered the XXXX account and several others while reviewing my credit report, and immediately filed disputes with the credit bureaus. XXXX  has since deleted the XXXX account, but XXXX and Experian may still be reporting it. Additionally, XXXX  continues to list my middle name as XXXX, which is incorrectI have no middle nameand I have submitted multiple requests for correction without success. 

I submitted documentation including : A police report My FTC IdentityTheft.gov report Proof of my residence history Her eviction notice Supporting CPS documentation Screenshots and letters from the credit agencies Evidence that the router and modem tied to the XXXX  account are in her possession in a storage unit I have access to I am asking the CFPB to ensure that the remaining credit reporting agencies correct all inaccurate information and permanently block the fraudulent accounts under FCRA 15 USC 1681c-2 and 1681i. I also request the deletion of the incorrect middle name XXXX from my record and the full investigation of any remaining linked 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 2025-05-09 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:
Fraudulent accounts were opened in my name without my knowledge or consent by my ex-wife, XXXX XXXX, sometime before or during our separation. She has admitted to opening at least one account ( XXXX XXXX ) using my identity and also implied she opened others but would not disclose the details. These fraudulent accounts led to negative marks on my credit report, including a {$360.00} collection from XXXX XXXX XXXX, which caused my credit score to drop by XXXX points. 

I have resided at my current address in XXXX XXXX, CA since 2015, and I believe these accounts were opened using her IP address while she was living in XXXX XXXX. I recently discovered the XXXX account and several others while reviewing my credit report, and immediately filed disputes with the credit bureaus. XXXX  has since deleted the XXXX  account, but Equifax and XXXX  may still be reporting it. Additionally, XXXX  continues to list my middle name as XXXX, which is incorrectI have no middle nameand I have submitted multiple requests for correction without success. 

I submitted documentation including : A police report My FTC XXXX report Proof of my residence history Her eviction notice Supporting CPS documentation Screenshots and letters from the credit agencies Evidence that the router and modem tied to the XXXX  account are in her possession in a storage unit I have access to I am asking the CFPB to ensure that the remaining credit reporting agencies correct all inaccurate information and permanently block the fraudulent accounts under FCRA 15 USC 1681c-2 and 1681i. I also request the deletion of the incorrect middle name XXXX from my record and the full investigation of any remaining linked accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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:
Fraudulent accounts were opened in my name without my knowledge or consent by my ex-wife, XXXX XXXX, sometime before or during our separation. She has admitted to opening at least one account ( XXXX XXXX ) using my identity and also implied she opened others but would not disclose the details. These fraudulent accounts led to negative marks on my credit report, including a {$360.00} collection from XXXX XXXX XXXX, which caused my credit score to drop by XXXX points. 

I have resided at my current address in XXXX XXXX, CA since 2015, and I believe these accounts were opened using her IP address while she was living in XXXX XXXX. I recently discovered the XXXX account and several others while reviewing my credit report, and immediately filed disputes with the credit bureaus. TransUnion has since deleted the XXXX  account, but XXXX  and XXXX  may still be reporting it. Additionally, TransUnion continues to list my middle name as XXXX, which is incorrectI have no middle nameand I have submitted multiple requests for correction without success. 

I submitted documentation including : A police report My FTC XXXX report Proof of my residence history Her eviction notice Supporting CPS documentation Screenshots and letters from the credit agencies Evidence that the router and modem tied to the XXXX  account are in her possession in a storage unit I have access to I am asking the CFPB to ensure that the remaining credit reporting agencies correct all inaccurate information and permanently block the fraudulent accounts under FCRA 15 USC 1681c-2 and 1681i. I also request the deletion of the incorrect middle name XXXX from my record and the full investigation of any remaining linked 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 non-monetary relief
Consumer complaint received 2025-05-09 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: GA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute an unauthorized hard inquiry that appears on my credit report. I did not authorize XXXX XXXX finance to perform a hard credit inquiry on the XX/XX/year> and I request that this inquiry be removed from my report immediately. 
As required under the Fair Credit Reporting Act ( FCRA ), any company requesting my credit report must have my written permission. I did not provide such authorization in this case. 
Please investigate this matter and provide written confirmation of the results of your investigation. If the inquiry is found to be unauthorized, I respectfully request that you remove it from my credit report and provide an updated copy of my report reflecting this correction. 
Attached is a copy of my credit report with the disputed inquiry highlighted, along with a copy of my government-issued ID and proof of address for identity verification. 
Thank you for your prompt attention to this matter. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX, Michigan XXXX Phone Number : Telephone : ( XXXX ) XXXX Social Security Number : SS # : XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my ( Bank statement, utility bill, ID ) for your verification. 



Best Regards,

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX, Michigan XXXX Phone Number : Telephone : ( XXXX ) XXXX Social Security Number : SS # : XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my ( Bank statement, utility bill, ID ) for your verification. 



Best Regards,

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 2025-05-09 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:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: NY

Complaint narrative:
I am writing to dispute inaccurate and damaging information listed in my Experian credit file. Under XXXX XXXX. XXXX, you are required to conduct a good-faith, reasonable reinvestigation of any disputed data. Additionally, under XXXX, I request full disclosure of all data sources and verification documents associated with this entry : It has come to my attention that Experian has recently been subject to enforcement action by the Consumer Financial Protection Bureau ( XX/XX/year> ) for engaging in sham investigations and failing to properly respond to valid consumer disputes. I have reason to believe that my prior dispute ( XXXX ) may have been similarly mishandled. 

Accordingly, I demand the following : XXXX. Immediate deletion of the disputed tradeline ( XXXX ) if not fully verified. 
XXXX. A detailed description of your reinvestigation process and the identity of any furnisher contacted, pursuant to XXXX ( a ) ( XXXX ) ( B ) ( XXXX ). 
XXXX. Disclosure of any contracts, instruments, or written agreements relied upon in the course of verification. 
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