vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: GA

Complaint narrative:
I am a victim of identity theft and this account is fraudulent. XXXX XXXX is furnishing information that it can not verify. I have attached my FTC Identity Theft Report, my formal Furnisher Accountability Notice, and supporting documents. I am requesting immediate deletion of all reporting related to this account under FCRA 605B and 623 ( b ). XXXX XXXX has failed to provide original signed documentation to establish this debt.

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 2025-12-02 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:
I am a victim of identity theft and this account is fraudulent. XXXX XXXX is furnishing information that it can not verify. I have attached my FTC Identity Theft Report, my formal Furnisher Accountability Notice, and supporting documents. I am requesting immediate deletion of all reporting related to this account under FCRA 605B and 623 ( b ). XXXX XXXX has failed to provide original signed documentation to establish this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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:
I am a victim of identity theft and this account is fraudulent. XXXX XXXX is furnishing information that it can not verify. I have attached my FTC Identity Theft Report, my formal Furnisher Accountability Notice, and supporting documents. I am requesting immediate deletion of all reporting related to this account under FCRA 605B and 623 ( b ). XXXX XXXX has failed to provide original signed documentation to establish this debt.

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 2025-12-02 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: LEXISNEXIS
State: UT

Complaint narrative:
On XX/XX/year>, I submitted a formal written dispute to LexisNexis challenging the insurance policy records that appear in my consumer file. These records list me as a policyholder or listed driver on multiple auto insurance policies during periods when I did not have a valid drivers license, did not own a vehicle, and could not have been legally insured. I requested that LexisNexis reinvestigate these entries and delete any records that could not be verified as accurate under the FCRA. LexisNexis received my dispute by certified mail on XX/XX/year>. On XX/XX/year>, I received several envelopes labeled as reinvestigation results, but none provided itemized outcomes for the disputed insurance records and none included the required updated consumer file. LexisNexis did not confirm whether these records were verified, corrected, or deleted, and did not provide the description of procedure required under the FCRA. Because no FCRA-compliant reinvestigation response was provided, I have no way to determine whether LexisNexis continues to report inaccurate insurance policy information in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Chime Financial Inc
State: TX

Complaint narrative:
I was scammmed out of over XXXX dollars using chime to a person named XXXX XXXX with money from my checking acct I requested a dispute multiple times they continue to deny so now Im going higher I wont stop til I get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am disputing multiple inaccurate and inconsistent items being reported by the credit bureaus. These items contain conflicting dates, wrong payment histories, duplicate student loan entries, mixed-file information, and unverifiable derogatory data. I have already disputed these accounts directly with the bureaus, but they did not properly investigate and appear to have used an automated system ( e-OSCAR ) without obtaining any actual documentation from the furnishers as required under FCRA 611 ( a ) and 623 ( a ). Some accounts also show indicators of identity theft and mixed-file reporting. The information reporting on my file is not accurate, not complete, and not verifiable, and must be removed immediately.

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 2025-12-02 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: MI

Complaint narrative:
I am submitting this complaint regarding inaccurate and improperly reported charge-off accounts that are appearing on my consumer credit reports. The information being furnished is not accurate, not verifiable, and not compliant with federal law. I am requesting the CFPBs assistance in having these accounts fully investigated and corrected. 
Accounts : XXXX XXXXXXXX Balance : {$0.00} LENDING XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX : {$820.00} XXXX XXXX XXXX XXXX Balance : {$400.00} 1. Violation of the Fair Credit Billing Act 15 U.S.C. 1666a Creditors are required to properly investigate and correct billing errors and are prohibited from reporting inaccurate charge-offs. The creditor has failed to validate the accuracy of the alleged charge-off and is continuing to furnish information that does not reflect a verified or corrected billing record. Violation of the Gramm-Leach-Bliley Act 15 U.S.C. 6802 This statute prohibits creditors from sharing false, incorrect, or unverifiable financial information. Reporting a charge-off without providing any documentation, verification, or lawful authorization constitutes the improper sharing of unverified personal financial data. Violation of the Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Under the FCRA, consumer reporting agencies and furnishers may only report information that is accurate, complete, and verifiable. The charge-off being reported has not been validated with original documentation, account records, or proof of accuracy.

Violation of Furnisher Responsibilities 15 U.S.C. 1681s-2 Once I disputed this information, the furnisher had a legal obligation to conduct a reasonable investigation, correct inaccuracies, and cease reporting unverifiable data. They have failed to do so and continue to furnish information that can not be substantiated. Legal Precedent Cushman v. Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. 1997 ) The court held that a credit reporting agency must perform an independent investigation of disputed information and can not rely solely on the furnishers claims. The repeated reporting of this unverified charge-off violates this legal standard.

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 2025-12-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: GA

Complaint narrative:
They reversed a payment made to me back to the person that payed me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
I am submitting this complaint regarding inaccurate and improperly reported charge-off accounts that are appearing on my consumer credit reports. The information being furnished is not accurate, not verifiable, and not compliant with federal law. I am requesting the CFPBs assistance in having these accounts fully investigated and corrected. 
Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} Violation of the Fair Credit Billing Act 15 U.S.C. 1666a Creditors are required to properly investigate and correct billing errors and are prohibited from reporting inaccurate charge-offs. The creditor has failed to validate the accuracy of the alleged charge-off and is continuing to furnish information that does not reflect a verified or corrected billing record.

Violation of the Gramm-Leach-Bliley Act 15 U.S.C. 6802 This statute prohibits creditors from sharing false, incorrect, or unverifiable financial information. Reporting a charge-off without providing any documentation, verification, or lawful authorization constitutes the improper sharing of unverified personal financial data. Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Under the FCRA, consumer reporting agencies and furnishers may only report information that is accurate, complete, and verifiable. The charge-off being reported has not been validated with original documentation, account records, or proof of accuracy.

Violation of Furnisher Responsibilities 15 U.S.C. 1681s-2 Once I disputed this information, the furnisher had a legal obligation to conduct a reasonable investigation, correct inaccuracies, and cease reporting unverifiable data. They have failed to do so and continue to furnish information that can not be substantiated. Legal Precedent XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) The court held that a credit reporting agency must perform an independent investigation of disputed information and can not rely solely on the furnishers claims. The repeated reporting of this unverified charge-off violates this legal standard.

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 2025-12-02 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: MA

Complaint narrative:
I am filing this complaint because my credit report is showing several accounts with incorrect and inaccurate balances, which is a violation of the credit bureaus responsibility to report only fair and accurate information. After reviewing my credit file, I found that the balances being reported do not reflect the true status of the accounts. These accounts should be reporting {$0.00} balances, yet the bureaus continue to display outdated and incorrect amounts. This inaccurate reporting is negatively affecting my credit standing. 

XXXXXXXX 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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To : Equifax Re : Formal Identity Theft Affidavit & Legal Demand for Deletion/Blocking of Fraudulent Accounts Under 15 U.S.C. 1681c-2 ( a ) To Whom It May Concern, I, XXXX XXXX XXXX XXXX under penalty of perjury that I am the victim of identity theft and a data breach in which my personal identifying information was compromised and used without my knowledge, authorization, or consent. 

This affidavit is submitted pursuant to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( a ), which requires consumer reporting agencies to block, delete, and cease reporting all information that resulted from identity theft upon receipt of a valid identity theft report. 

ACCOUNTS TO BE BLOCKED & DELETED IMMEDIATELY The following accounts/inquiries/data entries do NOT belong to me and were created as a direct result of identity theft : [ XXXX XXXX XXXX XXXXXXXX Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These accounts are fraudulent, unauthorized, and must be permanently removed from my consumer file. 

THIS LETTER SERVES AS : A formal Identity Theft Affidavit A legal demand to block, delete, and suppress ALL fraudulent information Notification that continued reporting of these accounts would constitute a knowing violation of federal law LEGAL REQUIREMENT UNDER 15 U.S.C. 1681c-2 ( a ) : Under federal law, the credit bureau shall block the reporting of information that resulted from identity theft within 4 business days after receiving : 1. Proof of identity 2.Identification of the fraudulent information 4. A statement that the information is fraudulent All required elements are included with this affidavit.

YOU ARE HEREBY PUT ON NOTICE Failure to comply will be treated as willful non-compliance under 15 U.S.C. 1681n, subjecting your agency to civil liability, statutory damages, attorney fees, and punitive damages.

I expect written confirmation that all fraudulent accounts have been blocked, deleted, and permanently removed from my file. 

Attached are the required documents : Copy of my government-issued ID Proof of address List of fraudulent accounts I declare under penalty of perjury that the information in this affidavit is true and correct 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 2025-12-02 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: NJ

Complaint narrative:
I am filing this complaint because Experian continues to report fraudulent accounts, collection entries, and hard inquiries on my credit report, even after I notified them that I am a victim of identity theft. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), Experian is required to block identity-theft-related information within four business days after receiving a consumers request and documentation. Experian has not complied. 

The following accounts do not belong to me and were opened without my authorization : XXXX Bank Acct. XXXX XXXX Acct. XXXX XXXX Bank Acct. XXXX XXXX Acct. XXXX XXXX XXXX XXXX XXXX XXXX Acct. XXXX These fraudulent accounts caused additional inaccurate hard inquiries and collection entries to appear on my Experian file. I already submitted my FTC Identity Theft Affidavit and supporting documents proving these items are the result of identity theft, yet Experian continues to report them and has not completed the FCRA-required block.

I request BBB assistance to require Experian to : Immediately block and delete all fraudulent accounts, inquiries, and collections listed.

Provide written confirmation of the deletions.

Explain why Experian failed to comply with the four-day block requirement under FCRA 605B.

Experians continued reporting of fraudulent information after receiving identity theft documentation violates federal law and is causing ongoing harm to my credit and financial reputation.

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 2025-12-02 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: CA

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On experian and equifax and trans union they supposed to removed the negative items from my credit reports their is a federal trade commission identity report on file normally negative adverse items are removed or blocked social security number is 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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On experian and equifax and trans union they supposed to removed the negative items from my credit reports their is a federal trade commission identity report on file normally negative adverse items are removed or blocked social security number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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