vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> Re : Request for Removal of Unverifiable Debt from Credit Report- Dear Experian, Equifax and Transunion XXXX hope this letter finds you well. My name is XXXX and I am writing to formally request the removal of an unverifiable account that is currently reported on my credit file. I recently reviewed my credit report from XXXX, where a charge-off account from XXXX XXXX  XXXX XXXX, cap one-account XXXX, amex-account XXXX, sharn fcu- account XXXX and XXXX were listed. Upon investigation, XXXX completed the dispute process, and the account was fully deleted in compliance with consumer protection laws. 
According to the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( Investigation of Disputed Information ), when an item on a consumers credit report is found to be unverifiable or inaccurate during a dispute, it must be removed or corrected. Since XXXX has removed tese accounts from my credit report, and the information provided by was deemed unverifiable, I am requesting that you conduct an immediate investigation of the account listed on your reports and delete this unverifiable information from my credit file. 
Furthermore, as the account has been deleted by XXXX, it has been effectively verified as inaccurate, which obligates your agency to remove this account under the same protections granted by the Fair Credit Reporting Act ( FCRA ). Section 1681i ( a ) ( 5 ) of the FCRA stipulates that when an account is deleted by another credit reporting agency, that information can not continue to be reported.

I respectfully request that you remove this unverifiable charge-off from my credit report within 30 days. If you fail to do so, I will be forced to consider further actions to protect my rights as a consumer.

Please be aware that as a consumer, I am protected under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Consumer Financial Protection Act ( CFPA ), which empower me to take legal action should inaccurate or unverifiable information remain on my credit report. If this matter is not resolved promptly and the unverifiable debt is not removed, I reserve the right to pursue legal action, including seeking damages for any harm caused by the continued reporting of this incorrect information. 
I trust that you will take swift and appropriate action in accordance with the law. Please notify me in writing of your decision, and provide me with the necessary documentation confirming that this account has been removed from my credit report. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
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 non-monetary relief
Consumer complaint received 2025-04-29 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> Re : Request for Removal of Unverifiable Debt from Credit Report- Dear Experian, Equifax and Transunion XXXX hope this letter finds you well. My name is XXXX and I am writing to formally request the removal of an unverifiable account that is currently reported on my credit file. I recently reviewed my credit report from XXXX, where a charge-off account from XXXX XXXX  XXXX XXXX, cap one-account XXXX, amex-account XXXX, sharn fcu- account XXXX and XXXX were listed. Upon investigation, XXXX completed the dispute process, and the account was fully deleted in compliance with consumer protection laws. 
According to the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( Investigation of Disputed Information ), when an item on a consumers credit report is found to be unverifiable or inaccurate during a dispute, it must be removed or corrected. Since XXXX has removed tese accounts from my credit report, and the information provided by was deemed unverifiable, I am requesting that you conduct an immediate investigation of the account listed on your reports and delete this unverifiable information from my credit file. 
Furthermore, as the account has been deleted by XXXX, it has been effectively verified as inaccurate, which obligates your agency to remove this account under the same protections granted by the Fair Credit Reporting Act ( FCRA ). Section 1681i ( a ) ( 5 ) of the FCRA stipulates that when an account is deleted by another credit reporting agency, that information can not continue to be reported.

I respectfully request that you remove this unverifiable charge-off from my credit report within 30 days. If you fail to do so, I will be forced to consider further actions to protect my rights as a consumer.

Please be aware that as a consumer, I am protected under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Consumer Financial Protection Act ( CFPA ), which empower me to take legal action should inaccurate or unverifiable information remain on my credit report. If this matter is not resolved promptly and the unverifiable debt is not removed, I reserve the right to pursue legal action, including seeking damages for any harm caused by the continued reporting of this incorrect information. 
I trust that you will take swift and appropriate action in accordance with the law. Please notify me in writing of your decision, and provide me with the necessary documentation confirming that this account has been removed from my credit report. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: NC

Complaint narrative:
b'On XXXX XXXX XXXX, I submitted a formal dispute to Experian via certified mail (Certified Mail No.: XXXX XXXX XXXX XXXX XXXX) with a notarized affidavit, credit report entries, IRS 1099-C documentation, court records, and detailed dispute evidence.\n\nExperian responded by claiming the dispute lacked sufficient information, despite clear supporting documents being provided  including account-level details and notarized identity affidavits.\n\nThey failed to conduct a proper reinvestigation, provide any verification, or correct the inaccurate data. They also failed to provide me with an updated credit report following my dispute, violating their obligations under 15 USC  1681i.\n\nI am now including my TransUnion credit report as additional evidence, showing inconsistencies in Experians reporting versus another national bureau.\n\nExperian continues to report charged-off, discharged, and unverifiable accounts, as well as incorrect personal identifiers. This has caused denial of credit, financial hardship, and emotional distress.'

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 2025-04-29 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:
I am writing to formally notify you of an incident of identity theft. I believe that my personal information has been compromised, and unauthorized accounts have been opened in my name. I request that you place a fraud alert on my credit report to protect against further fraudulent activity. 
Below are my details : I have already filed a report with the appropriate law enforcement agency, and a copy of t report is attached to this letter. I also request that you provide me with a copy of my credit report from each bureau to ensure no additional fraudulent activity has occurred under my name. 
Please acknowledge the placement of the fraud alert and let me know if any further information is required to assist in the investigation. I understand my rights and request that all appropriate actions are taken to protect my identity and credit status. 
Thank you for your prompt attention to this matter. 
Sincerely,

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 2025-04-29 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: MD

Complaint narrative:
I tried to file a dispute with trans union, and they were not very helpful when I saw that XXXX XXXX was still saying I owed a balance that was paid off XXXX XXXX. I got documents and letters from XXXX XXXX  saying they were paid off and I verbally talked with two associates regarding my old account. I was then told my account was closed off, and my credit will be updated in 22 days, which was not updated by then. If there is a way we can solve this problem, I would greatly appreciate it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: MD

Complaint narrative:
I tried to file a dispute with trans union, and they were not very helpful when I saw that XXXX XXXX was still saying I owed a balance that was paid off XXXX XXXX. I got documents and letters from XXXX XXXX  saying they were paid off and I verbally talked with two associates regarding my old account. I was then told my account was closed off, and my credit will be updated in 22 days, which was not updated by then. If there is a way we can solve this problem, I would greatly appreciate it.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Subject : Unauthorized Hard Inquiry Violation of 15 USC 1681b of the FCRA To Whom It May Concern, I am writing to formally file a complaint regarding an unauthorized hard inquiry that appears on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b. I did not authorize the following company to access my credit report, nor did I apply for any credit, service, or employment that would have given them permissible purpose to perform a hard inquiry : Company Name : XXXX XXXX XXXX  Date of Inquiry : XXXXXXXX XXXX XXXX Credit Bureau Reporting the Inquiry : Equifax / XXXX XXXX  TransUnion According to 15 USC 1681b, a consumer reporting agency may furnish a consumer report only under certain permissible purposes. Since I did not initiate any transaction with the above-named entity, I am asserting that this inquiry was made without my consent or a valid reason, and therefore should not have occurred. I have already contacted the credit bureau and requested proof that this inquiry was authorized. If they are unable to provide such documentation, the inquiry must be deleted from my report, as required by federal law. I am requesting that the CFPB investigate this matter further and ensure that the credit bureaus and the company involved are held accountable for violating my rights under the FCRA. Thank you for your time and assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
All these companies ran my credit without my authorization. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-04-29 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:
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 Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all 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 2025-04-30 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: Aargon Agency, Inc.
State: TX

Complaint narrative:
Aargon has reported an account to my credit report that does not belong to me. Account XXXX is for a past due medical debt that I did not incur as I have not received any medical services in many years. I called the agency and spoke to one of their collectors named XXXX who confirmed the date of birth and social security number on the account were not mine, though, the account has somehow ended up on my report. I was also advised they could not remove the tradeline which is false as they are the data furnisher and are required by law to do a meaningful investigation into my dispute. I absolutely refuse to pay this bill. Cease and desist all communications and remove the derogatory tradeline from my report. My next step will be 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 explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: FIRST NATIONAL BANK OF OMAHA
State: MO

Complaint narrative:
This is for a card with Sheels/FNBO XXXX XXXXXX/XX/XXXX I received an email telling me my credit card application was approved On XX/XX/XXXX I received an email asking me to take a survey based on my application process. 

I never filled out an application with Sheels. 

XX/XX/XXXX, I called Sheels/FNBO at the number provided at the bottom of the email, " If you feel you received this in error or if you did not consent to an application for a line of credit, please call us immediately at XXXX. 

I was bounced around to three separate people on the phone. All asked my for my social security number and other private information. I told them I would not provide that as I did not fill out an application and I never wanted their card. I informed them I had received an approval email, but they refused to look up any account associated with an email address.

Kept pestering me for private information and refusing to verify if there was an account in my name associated with my email address, which clearly there is because I am getting an approval email to my email address. 

Flat out telling me that they can not associate an account with an email address and refusing to do anything without trying to get all my personal information screams of a scam. 

Any account with my email address, which I did not open should be terminated.

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 2025-04-29 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:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries that appear on my Experian credit report. After carefully reviewing my report, I have identified multiple inquiries that I did not initiate, authorize, or consent to. I am concerned these may have been made without my knowledge and potentially constitute fraudulent activity. 

Below is the list of inquiries I am disputing : Unauthorized Hard Inquiries to Dispute ( Experian ) : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I respectfully request that these inquiries be investigated and removed from my credit report as I did not authorize them. Please also provide documentation showing proof of my authorization, if it exists. If no proof can be provided, I ask that these entries be deleted immediately to prevent further damage to my credit score.

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