vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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:
b'I sent a certified letter to Equifax on XXXX via USPS mail with a tracking number of XXXX XXXX XXXX XXXX XXXX XXXX. The letter was delivered to Equifax in XXXX  on XXXX at 1:17 PM . The letter stated they needed to promptly investigate the account and correct it or delete it. Equifax  ignored my request and I proceeded to send another letter on XXXX. They also ignored my 2nd letter. The accounts that were included in both letters were \n\n1. XXXX balance is XXXX  and account number is  XXXXn2. XXXX XXXX XXXX balance is XXXX and account number is  XXXX\n3. XXXX  balance is XXXX and account number is  XXXX\n4. XXXX XXXX XXXX balance is XXXX  and account number  XXXX\n5. XXXX/XXXX  balance is XXXX and account number  XXXX'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a documented XXXX XXXX XXXX XXXX and multiple data breaches ( XXXX XXXX XXXX XXXX XXXX, etc. ). 

Experian, TransUnion, and Equifax are reporting a fraudulent account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that was opened without my authorization. This account was later sold to XXXX XXXX XXXX, whose collection account Experian has already removed after a prior reinvestigation confirmed it was identity theft. 

Although I made a payment in 2024 to stop harassment from the collector, this does not validate the original XXXX  account. I have provided all three credit bureaus with : My FTC Identity Theft Report Proof of address and ID The deletion confirmation for the XXXX XXXX XXXX collection A resolution letter showing the collection was closed I requested a block and permanent deletion under FCRA 605B, but all three bureaus have failed to remove the original XXXX  tradeline. 

I am requesting that the CFPB require XXXX, TransUnion, and XXXX  to comply with FCRA 605B and block and permanently delete this fraudulent XXXX  account and all associated negative history.

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 2025-07-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a documented victim of identity theft and multiple data breaches ( XXXX XXXX XXXX, XXXX, Experian, etc. ). 

ExperianXXXX XXXX XXXX XXXX  are reporting a fraudulent account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that was opened without my authorization. This account was later sold to XXXX XXXX XXXX, whose collection account Experian has already removed after a prior reinvestigation confirmed it was identity theft. 

Although I made a payment in XXXX to stop harassment from the collector, this does not validate the original XXXX  account. I have provided all three credit bureaus with : My FTC Identity Theft Report Proof of address and ID The deletion confirmation for the XXXX XXXX XXXX collection A resolution letter showing the collection was closed I requested a block and permanent deletion under FCRA 605B, but all three bureaus have failed to remove the original XXXX  tradeline. 

I am requesting that the CFPB require Experian, XXXX XXXX XXXX to comply with FCRA 605B and block and permanently delete this fraudulent XXXX  account and all associated negative history.

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 2025-07-30 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 to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT XXXX ) as evidence of my claim. 
Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be frozen : XXXX - XXXX XXXX XXXX  XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-30 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: CA

Complaint narrative:
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 2025-07-30 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NY

Complaint narrative:
On XX/XX/year>, I received an official letter from XXXX XXXX. clearly stating that they are no longer attempting to collect on the XXXX XXXX account ending in XXXX. This confirms that the account is either charged off or discharged, and XXXX has no involvement in the debt anymore. 

Despite this, Equifax continues to report this account as charged-off with a balance and multiple late payments, which is now false, inaccurate, and unverifiable. 

I previously submitted a dispute to Equifax demanding full verification of this account, including ownership documentation, signed contracts, and billing history. Equifax failed to provide any verification and instead mailed me a stall letter claiming they needed ID which was already sent with the original dispute. This is a stalling tactic, not a proper investigation. 

Experian has already removed this account because they acknowledged it could not be verified. Equifax is violating the law by continuing to report it. 

This is a direct violation of : FCRA 1681i ( a ) they failed to verify the account after a proper dispute FCRA 1681e ( b ) furnishing outdated, false, and inconsistent data FCRA 1681s-2 ( b ) failing to reasonably investigate the dispute I am demanding that Equifax immediately delete this account from my credit report. I have attached the XXXX letter as proof. If this is not resolved, I will escalate further with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: GA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-07-30 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, Subject : Fraudulent Account Dispute Account # XXXX I am writing to formally dispute the validity of the account referenced above, which has been reported on my credit report and/or is being pursued by your agency. I have reason to believe this account was opened and/or used fraudulently without my knowledge or authorization. I request an immediate investigation and removal of this account from my credit file and your records. 

Account Details : Creditor/Original Creditor : XXXX XXXX Collection Agency/Attorney : [ Insert Name if Known ] Account Number : XXXX Date Placed in Collections : XX/XX/year>XXXX  Reported Amount Owed : {$4300.00} Account Type : Joint Account Current Status : Payment after charge-off/collection Grounds for Dispute : This account is not mine and was opened or used fraudulently. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I have the right to dispute inaccurate or incomplete information on my credit report. I am also invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, which requires debt collectors to cease collection activity until they provide verification of the debt. 

Action Requested : 1. Immediate removal of this account from my credit file with all credit bureaus.

2. Cease collection activities until full debt validation is provided as required by FDCPA.

3. Provide the following documentation to validate the debt : A copy of the original signed application or contract with XXXX XXXX. 
A full payment history and explanation of charges. 
Any documentation that shows this is a legitimate joint account with my authorization.

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 2025-07-30 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: MA

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 explanation
Consumer complaint received 2025-07-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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, GA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$4700.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: UPGRADE, INC.
State: MI

Complaint narrative:
I Subject : Identity Theft & Fraudulent Loan Charge-Off Upgrade Loan # XXXX Dear CFPB, I am filing this formal complaint regarding a fraudulent loan account opened with Upgrade, Inc. , which has now been charged off in my name for a total of {$6900.00}, per the enclosed charge-off notice dated XX/XX/year> ( Loan # XXXX ). This account was created without my knowledge, consent, or authorization and is the direct result of identity theft. 



Following an internal investigation, XXXX XXXX  confirmed the fraud, refunding me for multiple unauthorized debits taken from my account by Upgrade. The hackers not only applied for this loan using my stolen identity, but also linked my XXXX account to repay itwithout my consent. 



Despite clear proof of identity theft, including a police report and confirmation from my bank, Upgrade has refused to close the account or remove the debt from my name. They continue to pursue collection actions and have now issued a charge-off notice, harming my credit and violating my rights. 



Requested Actions by CFPB : Compel Upgrade to cancel and permanently close this fraudulent loan.

Ensure Upgrade removes all negative credit reporting associated with this account.

Demand full compliance with FCRA, FDCPA, and identity theft protection laws. 

Require Upgrade to produce all documentation tied to the application, including IP address, device ID, email, and phone number used by the perpetrators.

Confirm in writing that I hold zero liability for this account.

Legal Basis : Under the Fair Credit Reporting Act ( 15 U.S. Code 1681c-2 ), I have the right to block fraudulent information from my credit file.

Under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ), creditors must not attempt to collect on debts that the consumer does not owe.

Under the Identity Theft and Assumption Deterrence Act ( 18 U.S. Code 1028 ), creditors are obligated to cooperate with fraud victims and take corrective action. 



I am willing to submit a sworn affidavit, provide my police report ( Report # XXXX ), FTC identity theft report, and written confirmation from XXXXXXXX XXXX acknowledging the fraud and issuing refunds. 



Upgrades conduct in this matter is not only unjustified but legally indefensible. I am requesting the CFPBs full investigation and enforcement to ensure my rights as a consumer and victim of identity theft are protected. 



Sincerely, XXXX XXXX Enclosure : Upgrade Charge-Off Letter ( Loan # XXXX, dated XX/XX/year>XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief