vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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 writing to formally dispute the inclusion of a Closed fraudulent account on my credit report and request its removal under FCRA 15 U.S.C. 1681c-2 ( Section 605B ). The account in question was opened or accessed fraudulently as a result of the Equifax data breach, which compromised my personal information. Account # XXXX has violated my rights. Account # XXXX has violated my rights. Account # XXXX has violated my rights. 



Details of the Closed Fraudulent Account : Account Name : XXXX First Date Opened : unknown As stipulated under Section 605B of the FCRA, I have attached the following documentation to support my request : 1. A copy of my government-issued identification.

2. Proof of my current address ( [ e.g., utility bill, bank statement ] ).

3. A copy of the FTC Identity Theft Report or police report documenting this incident.

This fraudulent account was created without my knowledge or consent, and its presence on my credit report is inaccurate and harmful. Pursuant to the law, I request that this item be blocked and removed from my credit report within the required timeframe of four business days upon receipt of this letter and supporting documentation. 



If you require additional information, I can be reached at [ your phone number ] or [ your email address ]. I appreciate your prompt attention to this matter and look forward to your confirmation that the fraudulent information has been removed. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia, XXXX per FCRA 15 U.S.C 1681c-2 ( section 605B ) Credit reporting Agencies Are required to removed fraudulent information from your credit report within four business days of receiving request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom it may concern, 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 15 USC 1681. 

Account name : XXXX Account # XXXX Date opened XX/XX/XXXX Account name : XXXX XXXXXXXX Account # XXXX Date opened XX/XX/XXXX Account name : XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Account name : XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Account name : XXXX XXXX  Account # XXXX Date opened XX/XX/XXXX Account name : XXXX XXXX XXXXXXXX Account # XXXX Date opened XX/XX/XXXX According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) .According to 15 USC 1681 ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.According to 15 USC 1681s-2 " Responsibilities of furnishers of information to consumer reporting agencies. '' A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

According to 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

According to 15 U.S.C. 1681c ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ) states that consumer reporting agencies can not include certain adverse information in consumer reports that is older than seven years. This includes things like civil judgments, tax liens, accounts placed for collection, and other adverse items.

According to 15 USC 1681 section 604 a section 2 In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To whom it may concern, 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 15 USC 1681. 

Account name : XXXX Account # XXXX Date opened XX/XX/XXXX Account name : XXXX  XXXX Account # XXXX Date opened XX/XX/XXXX Account name : XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Account name : XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Account name : XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Account name : XXXX XXXX XXXX  Account # XXXX Date opened XX/XX/XXXX According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) .According to 15 USC 1681 ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.According to 15 USC 1681s-2 " Responsibilities of furnishers of information to consumer reporting agencies. '' A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

According to 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

According to 15 U.S.C. 1681c ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ) states that consumer reporting agencies can not include certain adverse information in consumer reports that is older than seven years. This includes things like civil judgments, tax liens, accounts placed for collection, and other adverse items.

According to 15 USC 1681 section 604 a section 2 In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.

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 2025-01-14 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: PA

Complaint narrative:
Recently, I did an investigation on my credit report and found items that were deleted off my accounts reinserted. 15 U.S. Code 1681i ( c ), credit reporting agencies are prohibited from reinserting information that was previously removed due to a dispute unless the information is proven to be accurate. Additionally, the furnisher of Information is required under 15 U.S. Code 1681s-2 to ensure that all information reported to the CRA is accurate and complete.The information has been reinserted in error, I respectfully request that it be removed once again.

Please provide the following : A detailed explanation of the reinsertion of this information, including the name of the furnisher.

Proof that the information has been verified as accurate.

In accordance with the law, I expect this issue to be investigated and resolved within the 30-day period stipulated under the FCRA. If the information is found to be inaccurate or unverifiable, I request that it be permanently removed from my credit report. 
Please notify me in writing within 5 business days if this information is reinserted or if there is any further action needed on my part. I also request that a copy of my updated credit report be provided to me once the dispute is resolved. 
Thank you for your prompt attention to this matter. 
XXXX accounts : Account : XXXX  Date opened : XX/XX/year>. Account : XXXX XXXX 
XXXX Accounts : Account : XXXXXXXX XXXX Date opened : XX/XX/year>. Account : XXXX XXXXXXXX XXXX XXXXXXXX, Date opened : XXXX XXXX, 2021. Account : XXXXXXXX XXXX, Date opened : XX/XX/year>. Account : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, Date opened : XX/XX/year>. 
Experian Accounts : Account : XXXXXXXX XXXX  Date opened : XX/XX/year>. Account : XXXX XXXX, Date opened : XXXX XXXX 2021.XX/XX/XXXXAccount : XXXXXXXX XXXX XXXXXXXX, Date opened : XX/XX/year>. Account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date opened : XX/XX/year>.

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 2025-01-14 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: MD

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-01-14 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: PA

Complaint narrative:
Recently, I did an investigation on my credit report and found items that were deleted off my accounts reinserted. 15 U.S. Code 1681i ( c ), credit reporting agencies are prohibited from reinserting information that was previously removed due to a dispute unless the information is proven to be accurate. Additionally, the furnisher of Information is required under 15 U.S. Code 1681s-2 to ensure that all information reported to the CRA is accurate and complete.The information has been reinserted in error, I respectfully request that it be removed once again.

Please provide the following : A detailed explanation of the reinsertion of this information, including the name of the furnisher. 
Proof that the information has been verified as accurate. 
In accordance with the law, I expect this issue to be investigated and resolved within the 30-day period stipulated under the FCRA. If the information is found to be inaccurate or unverifiable, I request that it be permanently removed from my credit report.

Please notify me in writing within 5 business days if this information is reinserted or if there is any further action needed on my part. I also request that a copy of my updated credit report be provided to me once the dispute is resolved. 
Thank you for your prompt attention to this matter. 
TransUnion accounts : Account : XXXX, Date opened : XX/XX/2021. Account : XXXX XXXXXXXX. 
XXXX Accounts : Account : XXXX BANK, Date opened : XX/XX/2021. Account : XXXX XXXXXXXX XXXX XXXXXXXX, XXXX opened : XXXX XXXX, 2021. Account : XXXXXXXX XXXX, Date opened : XX/XX/2021. Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Date opened : XX/XX/2021. 
XXXX Accounts : Account : XXXXXXXX XXXX, Date opened : XX/XX/2021. Account : XXXX  XXXX, Date opened : XXXX XXXX, 2021. Account : XXXXXXXX XXXX  XXXX, Date opened : XX/XX/2021. Account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX opened : XX/XX/2021.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Recently, I did an investigation on my credit report and found items that were deleted off my accounts reinserted. 15 U.S. Code 1681i ( c ), credit reporting agencies are prohibited from reinserting information that was previously removed due to a dispute unless the information is proven to be accurate. Additionally, the furnisher of Information is required under 15 U.S. Code 1681s-2 to ensure that all information reported to the CRA is accurate and complete.The information has been reinserted in error, I respectfully request that it be removed once again.

Please provide the following : A detailed explanation of the reinsertion of this information, including the name of the furnisher.

Proof that the information has been verified as accurate.

In accordance with the law, I expect this issue to be investigated and resolved within the 30-day period stipulated under the FCRA. If the information is found to be inaccurate or unverifiable, I request that it be permanently removed from my credit report. 
Please notify me in writing within 5 business days if this information is reinserted or if there is any further action needed on my part. I also request that a copy of my updated credit report be provided to me once the dispute is resolved. 
Thank you for your prompt attention to this matter. 
XXXX accounts : Account : XXXX  Date opened : XX/XX/year>. Account : XXXX XXXXXXXX. 
Equifax Accounts : Account : XXXXXXXX XXXX  Date opened : XX/XX/year>. Account : XXXX XXXX XXXX XXXX, XXXX opened : XXXX XXXX, 2021. Account : XXXX XXXX, Date opened : XX/XX/year>. Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Date opened : XX/XX/year>. 
XXXX Accounts : Account : XXXXXXXX XXXX, Date opened : XX/XX/year>. Account : XXXX XXXX, Date opened : XXXX XXXX, 2021. Account : XXXXXXXX XXXX  XXXX, Date opened : XX/XX/year>. Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX opened : XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My ex-fianc added me as an authorized user on her Bank of America credit card without my permission. I never used the card ( or even received one ) and now it is in collections hurting my credit. It is also important to note that I have no way of contacting her.

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 2025-01-14 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: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ).

kindly request that you block this Information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  XXXX XXXX and would Like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts : XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX automobile XX/XX/XXXX XXXX XXXX XXXX XXXX account XXXX XXXX installment date open XX/XX/XXXX XXXX XXXX XXXX XXXX account # XXXX date open XX/XX/XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  account # 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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to report XXXX XXXX willful noncompliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and the harm caused to me due to their fraudulent credit reporting practices. XXXX XXXX has knowingly reported inaccurate information on my credit report and failed to take corrective action, despite being notified in writing and through fax communications. 

Details of the Account and Issue 1. Account Information : Creditor : XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX Date of Purchase : XX/XX/XXXX XXXX. Inaccurate Reporting : XXXX XXXX is inaccurately reporting this account as a charge-off on my credit report. According to the Internal Revenue Service ( IRS ), a charge-off or cancellation of debt must be reported as gross income using IRS Form 1099-C if the amount exceeds {$600.00}. XXXX XXXX has failed to provide this form, which indicates the debt has not been properly canceled, and their reporting remains false and misleading. 
XXXX. Failure to Comply with XXXX Regulations : XXXXXXXX XXXX  actions violate the FCRA, which prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. They are also noncompliant with IRS regulations regarding the proper handling of charge-offs and debt cancellations. 

Timeline of Events and Evidence XXXX. Certified Dispute Letter Sent on XX/XX/XXXX : I sent a certified dispute letter to XXXX XXXX on XX/XX/XXXX, notifying them of the inaccurate reporting on my credit report. XXXX XXXX received this letter on XX/XX/XXXX, as confirmed by XXXX tracking. 
XXXX. XXXXXXXX XXXX Response on XX/XX/XXXX : On XX/XX/XXXX, XXXX XXXX responded with a letter claiming they were unable to process my dispute due to insufficient information. However, my original dispute letter included all necessary details and the reasons why the reporting was inaccurate. 
XXXX. Follow-Up Fax Sent on XX/XX/XXXX : To address their response, I faxed a follow-up letter to XXXX XXXX on XX/XX/XXXX at fax number XXXX. This letter : Confirmed receipt of their XX/XX/XXXX response. 
Restated the inaccuracies in their reporting. 
Clarified that they were required to take corrective action by XX/XX/XXXX, which marked XXXX calendar days from their receipt of my original dispute letter on XX/XX/XXXX. 
XXXX. Failure to Take Corrective Action : XXXX XXXX failed to comply with the XXXX deadline and has not corrected or deleted the inaccurate information.

Company response to consumer: Closed with non-monetary relief