vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXXXXXX BALANCED {$2500.00} XXXX XXXX XXXX XXXX BALANCED {$1000.00} XXXX XXXX XX/XX/year> These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PR XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Email : XXXX Date : XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Account XXXX  ( Account XXXX XXXX  ) Dear Sir/Madam, I am writing to formally request the investigation and removal of an account reported by XXXX on my credit report, as it contains multiple errors that violate my rights under the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the CARES Act. 

Identified Errors : The account is marked as open but also appears as closed. 
It shows a balance of {$350.00} with a credit limit of {$0.00}. 
The date of last activity and the account closure date coincide ( XX/XX/XXXX ). 
There is no record of previous late payments, which invalidates the charge-off status. 
The account appears only in TransUnion and is absent from XXXX and XXXX. 
The creditor type is misclassified ( it is incorrectly listed as utilities instead of telecommunications ). 
There is a lack of evidence, contract, or debt validation documentation. 

Based on the FCRA, I request that this account be removed if it can not be verified within the legally mandated XXXX period. I have attached a copy of my identification and the credit report showing the account in question. 

Thank you for your prompt attention to this matter. I look forward to receiving written confirmation of the actions taken. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-04-07 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: VA

Complaint narrative:
I am writing to draw your attention to fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress to my financial well-being and personal reputation. As a victim of identity theft, I've already reported this incident and request your cooperation in expeditiously removing all fraudulent information from my credit report while conducting a thorough investigation. I am prepared to provide necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation.

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 2025-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Credit, Inc.
State: LA

Complaint narrative:
This collections was removed and sold to another bent collector making the debt theres and not mine. The date opened has also been changed to XX/XX/year> which is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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:
i did not open accounts please remove asap under setion 605b

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 2025-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I previously had an account with Citibank. I had also previously filed a report with the CFPB and Citibank had responded and answered my question indirectly I asked them if Im eligible for a new account and I told them that I had identity theft in the past And they sent me a letter with feedback talking about. They will look into the identity theft claim because they think that my current account that was open was fraudulently open and that was not the case Im wanting a new account with Citibank.

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 2025-04-07 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: MO

Complaint narrative:
Predatory Enrollment & Hidden Financing by XXXX and XXXX XXXX XXXX -- - My name is XXXX XXXX. On XX/XX/year>, I enrolled in an online program with XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) in an effort to pursue a better future for myself and my children. As a single mother trying to improve my life through education, I was vulnerable to what I now realize was a misleading and predatory enrollment process. 

I was led to believe I was financing the program directly with XXXX. At no point did I knowingly agree to finance my education through a separate company. XXXX XXXX XXXX XXXX was never clearly introduced, and no consent form explicitly approving them as my lender was presented to me before signing. 

Only after signing did I discover an Income Withholding Authorization linked to XXXX XXXX XXXX buried within the paperwork. It was never highlighted or explained it simply appeared after the fact. This is not informed consent. 

Furthermore, both XXXX and XXXX XXXX XXXX share the exact same address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IN XXXX This strongly suggests that they are operated by the same people yet they present themselves as independent. This tactic deceives consumers into thinking they are working with a school and an outside finance company, when in fact they are likely XXXX and the same. 

The loan is for {$11000.00} at 17.99 % interest, totaling almost {$18000.00} for unaccredited online course materials. I never agreed to be indebted to XXXX XXXX XXXX, nor was this information disclosed transparently. There are numerous complaints online from others whove had similar experiences, many of them students and healthcare professionals. 

This kind of operation is unethical and predatory targeting people trying to improve their lives through education while hiding the true cost and conditions of financing. 

I am requesting the following : A full investigation into the relationship between XXXX and XXXX XXXX XXXX Release from this financial obligation due to misrepresentation and lack of clear consent Confirmation that this will not impact my credit report This experience has created unnecessary stress and financial hardship at a time when I am trying to build a better life for myself and my children. I am standing up now so no one else is taken advantage of the same way. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MN

Complaint narrative:
XXXX unauthorized charge from XXXX XXXX ( automatically charged ). Never used services. Unknown charge at time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MN

Complaint narrative:
Ordered XX/XX/XXXX from XXXX seller in the amount of {$14.00}. Item stated as delivered, but again never received. Suspected theft from neighbor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), another auto loan opened at XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ) and a personal loan opened at Kimbrells on XX/XX/XXXX under the account number ( XXXX ) XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts or collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts or collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/2025, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/2025, but I still have not received a response. To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: AZ

Complaint narrative:
Re : Security Freeze Request I, XXXX XXXX, with Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
Re : Security Freeze Request I, XXXX XXXX, with Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file 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 2025-04-07 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:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay.

If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I never done this unauthorized transaction and Ive filed a dispute to the credit bank right away They accepted the dispute and they credited the transaction amount to the amount XXXX months later they put the unauthorized transaction back to my account and they said ( Goldman Sachs Bank USA has closed your investigated your transaction dispute and found that no billing error occurred for the following reason : The evidence received shows that no credit is due because you agreed to the merchants terms and condition at the time of purchase ) I asked them to send me the evidence that they have found and they never did They dont have a real proof that I did this unauthorized and they refused to credit my account back with transaction amount Ive been distrusting this unauthorized transaction for over 2 years and never find the justice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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:
To Whom It May Concern, I am writing to file a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding fraudulent accounts and unauthorized inquiries currently being reported on my credit file. These items were not initiated, authorized, or approved by me under any circumstance.

FRAUDULENT ACCOUNTS : The following accounts were opened without my knowledge or consent, and I am requesting their immediate deletion from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX I have never applied for credit with either institution. These accounts are not mine, and I had no knowledge of them until reviewing my credit file. I am a victim of fraud and identity misuse, and these accounts were opened without my authorization. 

UNAUTHORIZED INQUIRIES : Additionally, I am disputing the following hard inquiries. I did not initiate, apply for, or authorize any credit applications that would justify these inquiries. They are unauthorized and damaging to my credit profile : XXXX XXXX XXXX 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 XXXXXXXX XXXX XX/XX/XXXX These inquiries were not authorized and should be permanently removed in accordance with FCRA guidelines. As per FCRA Section 604, a credit inquiry must be preceded by clear authorization by the consumer, which did not occur in any of these cases.

ACTION REQUESTED : Immediately investigate and remove the two fraudulent accounts.

Permanently delete the listed hard inquiries from my credit file.

Provide written confirmation of the deletions and results of your investigation. 

I take my privacy and credit integrity seriously and expect swift compliance with federal law. 

Thank you for your urgent attention to this matter.

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