vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
I am submitting this complaint regarding multiple fraudulent accounts that were opened in my name as a result of identity theft, and subsequently reinserted onto my credit reports without proper notice, in violation of the Fair Credit Reporting Act ( FCRA ). This matter is documented in my FTC Identity Theft Report ( XXXX  XXXX ), submitted on XX/XX/XXXX. 

The following fraudulent accounts were opened by an identity thief using my personal information : XXXX XXXX XXXX  Account XXXX  : XXXX ( Discovered : XX/XX/XXXX ) Account XXXX  : XXXX ( Discovered : XX/XX/XXXX ) These accounts were previously disputed and deleted from my credit reports. However, they have now reappeared ( reinserted ), and I was not notified of this reinsertion in accordance with federal law. 



Violations of XXXX XXXX : XXXX. FCRA XXXX XXXX XXXX. XXXX Requires credit reporting agencies to block identity theft-related items within XXXX business days after receiving a valid Identity Theft Report and proof of identity. 
XXXX. FCRA XXXX ( a ) ( XXXX ) ( B ) XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) Prohibits the reinsertion of previously deleted information unless : The consumer is notified in writing within XXXX business days, and The CRA identifies the name, address, and phone number of the furnisher who certified the information. 
XXXX. FCRA XXXX ( a ) ( XXXX ) ( A ) XXXX U.S.C. XXXX ( a ) Prohibits furnishers from knowingly reporting inaccurate information to credit bureaus. 
XXXX. FCRA XXXX and XXXX XXXX XXXX. XXXX and XXXX Allows consumers to seek damages for willful or negligent noncompliance, including attorney fees and actual damages. 



Requested Resolution : I respectfully request the following : XXXX. XXXX and permanent deletion of both fraudulent XXXX XXXX XXXX accounts from all credit reports ( Equifax, XXXX, and TransUnion ). 
XXXX. Written confirmation that these accounts will not be reinserted without full legal compliance. 
XXXX. XXXX of the furnishers contact details if either account was reinserted. 
XXXX. An updated credit report showing the removal of these accounts and no lingering inquiries or negative impacts. 
XXXX. CFPB review of any CRA or furnishers noncompliance and potential enforcement action. 



These fraudulent accounts have caused measurable harm to my credit and financial standing. I request your assistance in resolving this matter and enforcing my rights under the FCRA. Please find my FTC Identity Theft Report attached, and I am available to provide further documentation if necessary. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau to report multiple fraudulent credit accounts that have appeared on my credit report as a result of identity theft, as documented in my FTC Identity Theft Report ( XXXX XXXXXXXX ). 

The following unauthorized accounts were fraudulently opened in my name : 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 XXXXXXXX These accounts were discovered between XXXX and XXXX and have severely impacted my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I requested that the credit reporting agencies block and remove this fraudulent information. However, some of these accounts have been reinserted without the proper legal notice or identification of the furnisher, in direct violation of my rights.

Applicable Legal Violations The following provisions of federal law have been violated : 1. FCRA 605B 15 U.S.C. 1681c-2 Requires credit reporting agencies to block identity theftrelated information within 4 business days upon receiving proper documentation. 
Failure to do so constitutes noncompliance.

2. FCRA 611 ( a ) ( 5 ) ( B ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Requires that if any deleted item is reinserted : The consumer must receive written notice within 5 business days, and The CRA must provide the name, address, and phone number of the furnisher.

This was not done in my case, violating federal law.

3. FCRA 623 ( a ) 15 U.S.C. 1681s-2 ( a ) Prohibits furnishers from reporting inaccurate or false information.

4. FCRA 616617 15 U.S.C. 1681n1681o Credit bureaus and furnishers may be liable for willful or negligent noncompliance, including damages and legal costs.

Relief Requested I respectfully request the following resolution : 1. Immediate and permanent deletion of all fraudulent accounts from my credit reports.

2. Written confirmation from each CRA showing these deletions and that no reinsertion will occur without proper notice.

3. Disclosure of the furnishers names and con
tact information for any reinserted accounts.

4. Updated, accurate credit reports reflecting these corrections.

5. Optional : Placement of a fraud alert or security freeze for future protection.

Please investigate these FCRA violations and ensure my rights as a consumer are enforced. I have attached my FTC Identity Theft Report for reference. I am available to provide any further documentation or clarification as needed. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
Heres a dispute letter template for a XXXX bill you believe is incorrect or fraudulent. You can use this to send to the credit bureaus, XXXX directly, or the CFPB depending on your situation. 



XXXX XXXX XXXX XXXX XX/XX/XXXX To Whom It XXXX Concern, Subject : Dispute of XXXX Account on Credit Report I am writing to formally dispute the XXXX account currently listed on my credit report. This account does not belong to me and appears to be the result of either billing error, identity theft, or was inaccurately reported. I am requesting immediate removal or correction of this item from my credit file under my rights granted by the Fair Credit Reporting Act ( FCRA ). 

Details of the Disputed Account : Creditor Name : XXXX XXXX Amount : {$2600.00} Date Opened/Reported : XX/XX/XXXX Reason for Dispute : I never opened an account with XXXX and XXXX this to be a case of identity theft. 


Requested XXXX : Please conduct a thorough investigation of this matter. If you can not verify the accuracy of this account, it must be deleted from my credit report in compliance with the FCRA. If the account is found to be fraudulent or in error, I request written confirmation and the updated report reflecting the correction or removal. 


Please complete this investigation within the XXXX timeframe required by law and notify me in writing of the results. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
XXXX XXXX XXXX XXXX XXXX have completely broken the law and violate my consumer rights I will not let them get away with this and affect my financial future forever. Im claiming defamation of character and complete violation of the FCRA under 15 U.S.C. 1681i ( failure to re-investigate ) will result in legal escalation under 15 U.S.C. 1681n and 1681o, noncompliance may trigger.

Statutory damages, actual damages, punitive, damages, and reimbursement of attorney fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX have completely broken the law and violate my consumer rights I will not let them get away with this and affect my financial future forever. Im claiming defamation of character and complete violation of the FCRA under 15 U.S.C. 1681i ( failure to re-investigate ) will result in legal escalation under 15 U.S.C. 1681n and 1681o, noncompliance may trigger.

Statutory damages, actual damages, punitive, damages, and reimbursement of attorney fees.

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 2025-07-03 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-03 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: NY

Complaint narrative:
This report is being submitted due to incorrect information appearing on my credit report. Equifax verified that a system error caused my personal details to be exposed and used fraudulently. I have been denied credit as a result, and I am requesting that this issue be corrected within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had my old card on file with stub hub and the next morning i called my bank that XXXX fraud charges were made, initially it was XXXX charges but some of the concerts got cancelled so my money wasn't taken out, it was a total of XXXX dollars taken out, but only XXXX dollars went through, the first fraud charge i submitted with fifth third bank was approved and they returned my money, the second claim i made was for XXXX dollars, they investigated for about XXXX months and denied my claim, which is weird since they approved the first XXXX. They came back and not enough evidence was provided, but the card that stub hub had on file was already closed since they shipped me a new card, but clearly not since my card was somehow still going through with transactions, when I contacted stub hub they were no help, they just came back and said I bought the tickets which these tickets were bought in XXXX XXXX XXXX, XXXX, and XXXX which I live in XXXX so It wouldn't make any sense buying these tickets. All these charges were made on XX/XX/year> at around XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
I contacted transunion, experian, and equifax and filed disputes multiple times asking for them to verify that I actually opened the following accounts and to remove them. I also asked for proof of the verification method used if it returns back as verified. They have yet to remove the disputed accounts below and have yet to provide me with proof of the method of verification and per 15 usc code 1681i ( a ) ( 6 ) ( b ) ( i ) I have the right to request the method of verification. I also asked them to remove any address and phone numbers that do not belong to me and are not current. 
The only phone number that belongs to me is XXXX and the current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
The accounts I have disputed are as follows XXXXXXXX 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 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: TX

Complaint narrative:
I was charged {$100.00} from XXXX taken out my cash app account XX/XX/XXXX at XXXX and I never bought anything and I would like my money back asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: MN

Complaint narrative:
I tried calling direct express once I realized my card was not working online. The first representative told me that everything is fine with my card. No locks, soft locks, freezes, fraud detection and it was fine. Then I got hung up on. I tried my purchase again, and I called back since it didnt work. I just needed to buy food for my kids and wipes. The representative I spoke to told me to stop spending so much online. I have no vehicle, and getting ready to leave an abusive relationship out of state, XXXX of my children is severely XXXX and I am XXXX myself. I have no access to a store to try to use it. Asked for steps. Was told to possibly just figure out walking over to a store and entering a pin, or try in XXXX hours but it could lock me for XXXX days if it hasnt already. Ive explained the situation and asked how things could be resolved. No help and sent all over. Back and forth between XXXX and them. Im stressed because its all the money I have. I have made a larger purchase because my friend is renting a truck to get us out of the house. And I understand it seems like a lot of online transactions, but there is absolutely nothing I can do. And nobody will give me a solid answer or offer any type of help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-07-03 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: OH

Complaint narrative:
Its incredibly distressing to see false, inaccurate, and misleading information being reported under my name on my credit report. Ive worked hard to stay financially responsible, yet these ongoing errors are undermining my efforts and damaging both my credit and my livelihood. I know I have rights as a consumer, but the repeated lack of action makes it feel as though those rights are being ignored. 

Living paycheck to paycheck is hard enoughI should not also have to battle against incorrect reporting that continues to block my access to fair credit opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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 Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXXXXXX 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