vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX/DOFED Account number : XXXX Account name : XXXX/DOFED Account number : XXXX Account name : XXXX/DOFED Account number : XXXX Account name : XXXX/DOFED Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX/DOFED Account number : XXXX Account name : XXXX/DOFED Account number : XXXX Account name : XXXX/DOFED Account number : XXXX Account name : XXXX/DOFED Account number : XXXX Account name : XXXX/DOFED Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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 requesting the deletion of these unauthorized accounts from my credit file, as I neither created them nor received any notice regarding their presence. As outlined under USC 1681g, I expect these accounts to be removed within 15 days. Enclosed are the necessary documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: CO

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 
Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. 

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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 2025-08-14 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: TX

Complaint narrative:
I am disputing this late payment because it inaccurately reflects my payment habits. Please investigate and remove it to ensure accuracy in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: Experian Information Solutions Inc.
State: FL

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Im disputing this specifically under 15 US code 1681. Ally Financial has made several, specifically 7 times from XXXX XXXX to XXXX XXXX hard inquiry/ credit pulls on my credit without my signed permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: Experian Information Solutions Inc.
State: FL

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$1200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Appeal Fraudulent Account Dispute XXXX XXXX XXXX I am appealing XXXX response regarding Complaint ID No. XXXX. 

I reiterate that I did not apply for, authorize, activate, or use any XXXX account. Any records showing an application, email address, or mailing address match do not constitute proof that I personally opened this account, as this information could have been obtained and used fraudulently without my consent. 

The alleged account activity, including the activation date and posted payments, was not performed by me. I have never possessed an XXXX, have never accessed their online platform, and have never received nor used any funds or benefits from this account. 

I have already filed an FTC Identity Theft Report documenting this case. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute information that is inaccurate or incomplete ( 15 U.S.C. 1681i ), and consumer reporting agencies are prohibited from reporting information that they know or have reasonable cause to believe is inaccurate ( 15 U.S.C. 1681s-2 ). Additionally, the FCRA requires furnishers of information to conduct a reasonable investigation upon receipt of a dispute from a consumer reporting agency ( 15 U.S.C. 1681s-2 ( b ) ). Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., no party may attempt to
collect a debt that is not owed ( 15 U.S.C. 1692e ( 2 ) false representation of the character, amount, or legal status of a debt ). 

Therefore, I request that XXXX  and XXXX provide verifiable evidence, such as : IP addresses, device information, and geolocation data of the application and activation ; Payment method details for the alleged payments, including bank account or card numbers used ; Proof of in-person identity verification, if any occurred ; Copies of any signed agreements with my original wet signature. 

Without such verifiable evidence, I dispute XXXX claim that this account is legitimate. I request : Immediate closure of the fraudulent account. 

Removal of all related derogatory information from my credit reports at all credit bureaus. 

Written confirmation of these actions. 

I also request that the CFPB require XXXX to fully comply with the FCRAs investigation requirements and cease reporting this account unless they can produce documented proof that I personally opened and used it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
Subject : Appeal Fraudulent Account Dispute XXXX XXXX XXXX  I am appealing XXXX response regarding Complaint ID No. XXXX. 

I reiterate that I did not apply for, authorize, activate, or use any XXXX account. Any records showing an application, email address, or mailing address match do not constitute proof that I personally opened this account, as this information could have been obtained and used fraudulently without my consent. 

The alleged account activity, including the activation date and posted payments, was not performed by me. I have never possessed an XXXX, have never accessed their online platform, and have never received nor used any funds or benefits from this account. 
I have already filed an FTC Identity Theft Report documenting this case. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute information that is inaccurate or incomplete ( 15 U.S.C. 1681i ), and consumer reporting agencies are prohibited from reporting information that they know or have reasonable cause to believe is inaccurate ( 15 U.S.C. 1681s-2 ). Additionally, the FCRA requires furnishers of information to conduct a reasonable investigation upon receipt of a dispute from a consumer reporting agency ( 15 U.S.C. 1681s-2 ( b ) ).

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., no party may attempt to collect a debt that is not owed ( 15 U.S.C. 1692e ( 2 ) false representation of the character, amount, or legal status of a debt ). 

Therefore, I request that XXXX  and XXXX provide verifiable evidence, such as : IP addresses, device information, and geolocation data of the application and activation ; Payment method details for the alleged payments, including bank account or card numbers used ; Proof of in-person identity verification, if any occurred ; Copies of any signed agreements with my original wet signature. 

Without such verifiable evidence, I dispute XXXX claim that this account is legitimate. I request : Immediate closure of the fraudulent account. 

Removal of all related derogatory information from my credit reports at all credit bureaus. 

Written confirmation of these actions. 

I also request that the CFPB require XXXX to fully comply with the FCRAs investigation requirements and cease reporting this account unless they can produce documented proof that I personally opened and used it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Appeal Fraudulent Account Dispute XXXX XXXX XXXX I am appealing XXXX response regarding Complaint ID No. XXXX. 

I reiterate that I did not apply for, authorize, activate, or use any XXXX account. Any records showing an application, email address, or mailing address match do not constitute proof that I personally opened this account, as this information could have been obtained and used fraudulently without my consent. 

The alleged account activity, including the activation date and posted payments, was not performed by me. I have never possessed an XXXX, have never accessed their online platform, and have never received nor used any funds or benefits from this account. 

I have already filed an FTC Identity Theft Report documenting this case. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute information that is inaccurate or incomplete ( 15 U.S.C. 1681i ), and consumer reporting agencies are prohibited from reporting information that they know or have reasonable cause to believe is inaccurate ( 15 U.S.C. 1681s-2 ). Additionally, the FCRA requires furnishers of information to conduct a reasonable investigation upon receipt of a dispute from a consumer reporting agency ( 15 U.S.C. 1681s-2 ( b ) ).

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., no party may attempt to collect a debt that is not owed ( 15 U.S.C. 1692e ( 2 ) false representation of the character, amount, or legal status of a debt ). 

Therefore, I request that XXXX  and XXXX provide verifiable evidence, such as : IP addresses, device information, and geolocation data of the application and activation ; Payment method details for the alleged payments, including bank account or card numbers used ; Proof of in-person identity verification, if any occurred ; Copies of any signed agreements with my original wet signature. 

Without such verifiable evidence, I dispute XXXX claim that this account is legitimate. I request : Immediate closure of the fraudulent account.

Removal of all related derogatory information from my credit reports at all credit bureaus. 

Written confirmation of these actions. 

I also request that the CFPB require XXXX  to fully comply with the FCRAs investigation requirements and cease reporting this account unless they can produce documented proof that I personally opened and used it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report according to FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem inaccurate, which worries me.

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 2025-08-14 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: FL

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: ME

Complaint narrative:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my 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 2025-08-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I believe some collection accounts on my credit report contain inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate credit report. I request a thorough review of these accounts, and if they can not be verified as accurate, they must be removed.

Company response to consumer: Closed with explanation