vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 : XXXX - XXXX - This is a CLOSED account that is falsely and maliciously reporting late payments. This blatantly inaccurate and derogatory information is severely damaging my credit profile and grossly misrepresents my strong and verifiable payment history. Under the Fair Credit Reporting Act 1681i, you are legally and unequivocally OBLIGATED to investigate, verify, and ensure the accuracy of all information reported. Your ongoing failure to correct this false reporting constitutes willful and reckless noncompliance, and is a direct violation of federal law. You are hereby given FINAL NOTICE : Remove this fraudulent and harmful payment history IMMEDIATELY. Continued negligence will result in aggressive legal action under FCRA 616 and 617, including claims for actual damages, statutory penalties, attorney 's fees, and punitive damages. DO NOT IGNORE THIS DEMAND. 
XXXX - XXXX - This open collection account is fraudulent and the direct result of identity theft. I have submitted a formal FTC Identity Theft Report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). You are legally required to block and delete all information resulting from identity theft within four ( 4 ) business days of receiving proper documentation. Your continued reporting of this fraudulent account is causing significant and unlawful damage to my credit profile. This is a clear and willful violation of federal law. This is your FINAL NOTICE failure to comply will trigger immediate legal action under FCRA 616 and 617, including full pursuit of statutory damages, attorneys fees, and punitive consequences. REMOVE THIS ACCOUNT IMMEDIATELY or be held accountable to the fullest extent of the law.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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:
TransUnion LLC Consumer Dispute Center XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. 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 : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : 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 non-monetary relief
Consumer complaint received 2025-06-24 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-06-24 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX or XXXX XXXX  has received payments for the balance of the bill making it paid in full. Payments were made in the store and I made a couple large payments that they never acknowledged having yet I have the cancelled checks from my bank. They have no documentation of any payments made. It is an account that was paid back in XXXX. I have sent several letters to them without any response at all. This account has been closed since XXXX. My mortgage lady said that when she pulled my credit the first time this was not there and now it is. It is there because XXXXXXXX XXXX  which card comes from XXXX XXXX  has sold this account to XXXX XXXX XXXX and now they are trying to recover more financially from a debt that has been paid. XXXX XXXX XXXX has it listed as a new. It is not new, and it was paid in full. I need XXXX XXXX off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are several inaccuracies on my credit report. I have reached via mail no response has been provided. If the company does not update and correct these records promptly, I will consider pursuing legal action.

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 2025-06-24 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: FL

Complaint narrative:
I submitted all required documents over 4 days ago and the accounts have not been removed. I included all legally required documentation and it has not yet been deleted as required by law.You are now out of compliance.I demand the immediate deletion of all listed fraudulent items and written confirmation within five ( 5 ) calendar days of the date of this letter, or i will consider additional legal remedies.

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 2025-06-24 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 non-monetary relief
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Kikoff Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX : XX/XX/XXXX To : Consumer Financial Protection Bureau P.O. Box 27170 Washington , DC 20038 Subject : Notice of Fraudulent Account Immediate Removal Request Dear Consumer Financial Protection Bureau, I am writing to inform you that a fraudulent account has been opened in my name without my knowledge or authorization. The account in question is listed under the name XXXX XXXX XXXX on my credit report and is causing damage to my credit profile. 

Account Details : Account Holder Name : XXXX XXXX XXXX Account Number ( Partial ) : XXXX Date Opened : XX/XX/XXXX Status : Open {$100.00} past due as of XX/XX/XXXX Balance : {$310.00} I did not apply for or open this account and have never had a relationship with XXXX XXXX XXXX. This account was opened fraudulently using my identity. 

Under the Fair Credit Reporting Act ( FCRA ) and Identity Theft laws, I am formally requesting that this matter be reviewed, and that enforcement action be considered if the creditor fails to investigate, close, and remove the account. I am submitting an FTC Identity Theft Report and supporting documentation to confirm that this account is unauthorized. 

Please consider this an official complaint and request for support in ensuring the account is permanently removed and that no further attempts are made to collect on this debt. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 non-monetary relief
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as 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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Due to faulty and unsecured methods of product delivery my expected credit card was stolen prior to me receiving through USPS and a number of fraudulent charges were made without my knowledge or consent. I was not alerted to these charges until I received the card statement on XX/XX/XXXX, I same day immediately filed a claim for fraud and closed the card. I asked for the account to be closed as well as trust in this company 's ability to at minimum protect my personal info was broken, but that was not processed. I was was also informed this process would taken up to 90 days to complete. A credit was applied to all the fraudulent charges then the company reported inaccurate charges to the bureaus of the previous full balance with all fraudulent charges. Since that day I've called numerous times and spoken with several reps and managers from their care and fraud departments, none of these employees were knowledgeable about their fraud policies or investigative procedures further solidifying my distrust in this company 's practices and ability to manage consumer information. Multiple calls to XXXX XXXX and customer service department were made until XX/XX/XXXX. I was told the investigation would take up to XXXX days but still given no information as to what the company XXXX XXXX was doing to verify the transactions and my claim was not followed up by the resolutions manager or fraud department managers as I was told. As of XX/XX/XXXX i contacted the riverside sheriff 's department and it was concluded the card was taken from my local post office facility before i could receive it in my home mailbox. Further legal actions are being pursued for the lack of investigation into my fraud claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Due to faulty and unsecured methods of product delivery my expected credit card was stolen prior to me receiving through XXXX and a number of fraudulent charges were made without my knowledge or consent. I was not alerted to these charges until I received the card statement on XX/XX/XXXX, I same day immediately filed a claim for fraud and closed the card. I asked for the account to be closed as well as trust in this company 's ability to at minimum protect my personal info was broken, but that was not processed. I was was also informed this process would taken up to 90 days to complete. A credit was applied to all the fraudulent charges then the company reported inaccurate charges to the bureaus of the previous full balance with all fraudulent charges. Since that day I've called numerous times and spoken with several reps and managers from their care and fraud departments, none of these employees were knowledgeable about their fraud policies or investigative procedures further solidifying my distrust in this company 's practices and ability to manage consumer information. Multiple calls to XXXX XXXX and customer service department were made until XX/XX/XXXX. I was told the investigation would take up to XXXX  days but still given no information as to what the company XXXX XXXX was doing to verify the transactions and my claim was not followed up by the resolutions XXXX or fraud department managers as I was told. As of XX/XX/XXXX i contacted the riverside sheriff 's department and it was concluded the card was taken from my local post office facility before i could receive it in my home mailbox. Further legal actions are being pursued for the lack of investigation into my fraud 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 2025-06-24 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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, experian and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.

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