vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: 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! 

"

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 2025-05-15 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: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
I HAVE NOW BEEN IN CONTACT WITH FORD MOTOR CREDIT LEGAL TEAM AND THEY TOLD ME TO GET FILING WITH CPFB AND ALL CREDIT BUREAUS, THERE IS A COURT ORDER SIGNED BY SUPERIOR JUDGE AND SENT TO ALL THREE CREDIT BUREAUS THAT ANY AND ALL FORD MOTOR ACCOUNTS TO BE BLOCKED BY A COURT ORDER, IF THE ID DEPARTMENT WITH FORD MOTOR CREDIT KEEPS UNBLOCKING IT THERE WILL BE A BLOCK PLACED BACK ON THE ACCOUNT NO MORE THAN 1 HOURS, SO THE CREDIT BUREAUS WERE SERVED WITH THIS ORDER.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: UT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: Nelnet, Inc.
State: TX

Complaint narrative:
I am submitting this complaint under FCRA 605B due to identity theft. My credit file with XXXX is reporting XXXX or more federal student loan tradelines under the name XXXX XXXX XXXX, which I did not authorize or initiate. I did not open these student loan accounts, and I do not recognize the associated balances, lenders, or activity. These accounts are fraudulent and were the result of identity theft. 

I have already submitted an FTC Identity Theft Report, and supporting documentation is attached to this complaint, including my drivers license and a recent utility bill as proof of identity and address. I previously contacted the servicer and credit bureaus but the accounts remain on my credit file. 

Please block and remove the fraudulent student loan accounts and any related inquiries or payment activity from my XXXX credit file in accordance with FCRA 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
Dear [ Experian / Equifax XXXX TransUnion ] Dispute Department, I am writing to formally dispute the following fraudulent accounts that continue to be reported on my credit file without my authorization or involvement. These accounts do not belong to me and are the direct result of a data breach in which my private information was compromised and unlawfully used. 

The following accounts are not mine and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account/Deposit ( Fraudulent use of my banking information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Collection ( Possibly related to XXXX Ive never authorized or engaged in any transaction with this entity ) I did not authorize, open, or benefit from any of these accounts. You are in direct violation of federal law by continuing to report accounts that I have explicitly disputed and do not belong to me. 

LEGAL BASIS FOR REMOVAL : FCRA 602 ( A ) : Consumer reporting agencies must adopt reasonable procedures to ensure the maximum possible accuracy of the information.

FCRA 611 ( 15 U.S. Code 1681i ) : You are required to conduct a reasonable reinvestigation of any disputed item and delete or correct inaccurate or unverifiable information.

FCRA 605B ( 15 U.S. Code 1681c2 ) : Once notified that the information results from identity theft or unauthorized use, you are required to block the reporting of that information within XXXX business days. 
FCRA 623 ( 15 U.S. Code 1681s2 ) : Data furnishers must not report information they know or have reasonable cause to believe is inaccurate.

You are hereby given 24 hours from the receipt of this notice to delete the fraudulent accounts listed above from my credit report. These accounts are causing undue harm and are preventing me from obtaining necessary approvals and services. 

Important Note : I am not requesting a fraud alert to be placed on my credit file. I have found that fraud alerts often result in automatic denials, and I do not consent to having XXXX added to my report. 

Failure to comply will result in immediate legal action, including complaints filed with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The State Attorney Generals Office Consideration of civil litigation for willful non-compliance Please confirm via email once the deletions are complete. I expect full compliance without delay. 

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 2025-05-15 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 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! 

"

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 2025-05-15 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: FL

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: Nelnet, Inc.
State: TX

Complaint narrative:
I am submitting this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that XXXX  block or remove inaccurate student loan accounts that are the result of identity theft. 

My XXXX  credit file is showing multiple accounts from Deptednelnet with balances, late payment history, and inconsistent status updates including one listed as XXXX with XXXX  account as agreed. I did not authorize or apply for these loans. These accounts were opened fraudulently and are being reported without my consent. 

I have filed an FTC Identity Theft Report and included my supporting documents such as my photo ID and utility bill. These fraudulent student loans were not included in my bankruptcy, nor are they valid debts. 

I request that XXXX  permanently block and remove these accounts from my credit report as required under FCRA 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
I am submitting this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that Equifax block or remove inaccurate student loan accounts that are the result of identity theft.

My Equifax credit file is showing multiple accounts from XXXX with balances, late payment history, and inconsistent status updates including XXXX listed as Indeterminate with XXXX account as agreed. I did not authorize or apply for these loans. These accounts were opened fraudulently and are being reported without my consent.

I have filed an FTC Identity Theft Report and included my supporting documents such as my photo ID and utility bill. These fraudulent student loans were not included in my bankruptcy, nor are they valid debts.

I request that Equifax permanently block and remove these accounts from my credit report as required under FCRA 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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:
Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Request for Permanent Deletion of XXXX XXXX XXXX Dear Equifax Dispute Department, I am writing to formally dispute several unauthorized credit inquiries currently appearing on my Equifax credit report. I did not authorize these inquiries, nor did I initiate any applications for credit with the companies listed below. As such, I am demanding that these inquiries be immediately and permanently deleted from my credit file under the protections afforded to me by the Fair Credit Reporting Act ( FCRA ). 

Inquiries to Be Deleted : 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 Legal Grounds for Deletion : 15 U.S.C. 1681b ( c ) Permissible Purpose for Consumer Reports A credit inquiry must have a permissible purpose and valid authorization by the consumer. I did not authorize these inquiries, and no legitimate application was made by me to these institutions. 
15 U.S.C. 1681e ( a ) Compliance Procedures Credit reporting agencies must establish reasonable procedures to ensure that inquiries are placed only with the express consent of the consumer. Reporting inquiries without consent violates this standard.

15 U.S.C. 1681i ( a ) Dispute and Reinvestigation Requirements Upon receiving notice of a dispute, the CRA must conduct a reasonable reinvestigation. If the inquiries can not be verified as authorized, they must be deleted promptly. 

My Formal Requests : XXXX. Immediately and permanently delete all unauthorized inquiries listed above from my Equifax credit report XXXX. Provide a written confirmation of the deletions and results of your reinvestigation XXXX. Take measures to ensure these inquiries are not reinserted into my credit file at any point in the future I expect Equifax to fulfill its legal obligations under the Fair Credit Reporting Act by investigating and removing these unauthorized inquiries. If Equifax fails to act appropriately, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and pursue additional remedies as allowed by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: NC

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$450.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Credit card closed my account without any reason damaging my credit and then reported that I had a late payment.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Credit card closed my account without any reason damaging my credit and then reported that I had a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: MI

Complaint narrative:
Credit card closed my account without any reason damaging my credit and then reported that I had a late payment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TX

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 XXXX XXXX XXXX. 

Account name : # XXXX Account name : XXXX Account : # XXXX Account # XXXX has violated my rights. 

XXXX XXXX. XXXX section XXXX A. States I have the right to privacy. 
XXXX XXXX. XXXX section XXXX A. Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX. XXXX. ( a ) ( XXXX ) 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 XXXX years. 


XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer report 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