vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: NC

Complaint narrative:
The account details are as follows : Account Number : XXXX Creditor Name : XXXX XXXX Balance : {$2000.00} I disputed this account with all three credit reporting agencies more than XXXX  days ago. Each agency responded by stating that the account had been verified, but they failed to provide any evidence, documentation, or specific data used in the verification process, which is required under the Fair Credit Reporting Act ( FCRA ). 

Additionally, when I called the number listed on my credit report, XXXX itself informed me that they no longer own the account, as it has been sold to a XXXXparty collection 's agency, XXXX XXXX XXXX XXXX Despite this, XXXX continues to report the account under its name, misrepresenting its ownership, and thereby creating duplicated and inaccurate information. 

I never signed any documents authorizing this account, nor was I aware of its existence until it appeared on my credit reports. This strongly suggests the account was fraudulently opened under my name, without my consent or any documentation bearing my signature. 

As a result of this false reporting, I have suffered serious financial harm, including the denial of a mortgage loan and being deemed ineligible for housing, severely impacting my quality of life. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), if a furnisher or credit bureau is unable to verify the legal accuracy or ownership of a disputed account, the law requires that such account be removed. Given that XXXX has stated they no longer own this debt, and no documentation has been provided verifying its validity, I am asserting my right to have this account permanently removed. 

I am requesting that the credit reporting agencies and XXXX take immediate corrective action. Due to the fraudulent and damaging nature of this account, I am demanding that it be deleted within XXXX hours of receiving this notice, or I will be forced to take legal steps to protect my rights and prevent further harm.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX XXXXXXXX Balance : {$330.00}, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00}

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 2025-04-10 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: NJ

Complaint narrative:
1st this account was deleted and reinstated with notifying me 2. I disputed the payment history, sent them a copy of my payment history from my Equifax report highlighting the inaccuracies.

3 they said the account came back verified, but when I pulled the payment history again somehow they ( Equifax ) or the creditor removed the entire payment history, which is impossible and in accurate, which means Equifax did not do a proper re-investigation or investigate it properly the 1st time..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-10 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: CA

Complaint narrative:
I have identified serious billing errors under XXXX XXXX XXXX XXXX ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least XXXX  days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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 am writing to formally report that I am a victim of identity theft and to request the immediate removal of any fraudulent accounts or inquiries that have been made under my name. This request is made under my rights under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681c-2 ] and the Identity Theft and Assumption Deterrence Act. 

According to the FCRA, I am entitled to request that any information resulting from identity theft be blocked from my credit report. Therefore, I respectfully request the following : 1. Place a fraud alert on my credit file to warn potential creditors of possible fraudulent activity. 
2. Block all fraudulent information and accounts that have been identified as a result of this identity theft. 
3. Send me an updated credit report reflecting the changes once the inaccurate information has been removed. 

Enclosed are the following documents to support my claim : A copy of my valid government-issued photo identification. 
A copy of a recent utility bill or other proof of address. 
A copy of the Identity Theft Report I filed with [ FTC on XX/XX/year> ]. 
A list of the accounts I believe to be fraudulent ( including account numbers, if available refer to the FTC report.

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 2025-04-10 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:
I am writing to formally report that I am a victim of identity theft and to request the immediate removal of any fraudulent accounts or inquiries that have been made under my name. This request is made under my rights under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681c-2 ] and the Identity Theft and Assumption Deterrence Act. 

According to the FCRA, I am entitled to request that any information resulting from identity theft be blocked from my credit report. Therefore, I respectfully request the following : 1. Place a fraud alert on my credit file to warn potential creditors of possible fraudulent activity. 
2. Block all fraudulent information and accounts that have been identified as a result of this identity theft. 
3. Send me an updated credit report reflecting the changes once the inaccurate information has been removed. 

Enclosed are the following documents to support my claim : A copy of my valid government-issued photo identification. 
A copy of a recent utility bill or other proof of address. 
A copy of the Identity Theft Report I filed with [ FTC on XX/XX/year> ]. 
A list of the accounts I believe to be fraudulent ( including account numbers, if available refer to the FTC report.

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 2025-04-10 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: CT

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
Subject : Dispute of Charge-O Account Under FCRA Sections 1681b ( 2 ) and 611 To Whom It May Concern, I am writing to formally dispute an inaccurate entry on my credit report under the Fair Credit Reporting Act ( FCRA ) Sections 1681b ( 2 ) and 611. I request that you investigate and remove the charge-o account referenced below as it is erroneous. 
Account Details : Account Name : XXXX XXXX Account Number : XXXX Reported Charge-O Date : XX/XX/year> Disputed Amount : {$4600.00} I believe the charge-o in question is inaccurate, and I request that you verify its accuracy with the creditor. 
The FCRA, under Section 1681b ( 2 ), mandates that any negative information reported about me must be accurate and reflect the truth. Furthermore, Section 611 of the FCRA requires that you conduct a thorough investigation into this matter and remove any information found to be inaccurate. 
If the creditor can not provide sufficient proof of the validity of this charge-o, or if you can not verify the accuracy of the entry, I request that the charge-o be removed from my credit report as required by law.

Please inform me of the outcome of your investigation within the 30-day time frame set forth by the FCRA.

If you fail to respond within this period, I expect the charge-o to be removed in compliance with the law. 
Thank you for your prompt attention to this matter. I look forward to your response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: VA

Complaint narrative:
Today I decided to XXXX  XXXX XXXX to XXXX XXXX 

For which purpose wire transfer was initiated from my XXXXXXXX XXXX  to Wise bank US account. 

After Wise received the money, they canceled transfer for reasons unknown. 
After being on hold with their support for 1 hour they told me that they do NOT know why the canceled transfer. And that money maybe will come back eventually. 

But money left XXXX account and they did NOT come back. 
So I am out of $ XXXX which qualifies it as major fraud on part of Wise Inc US

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: KY

Complaint narrative:
I am formally disputing an inaccurate {$730.00} debt listed on my credit report by XXXX XXXX XXXX  allegedly owed to XXXX XXXX XXXX. Despite multiple attempts to dispute this debt, it continues to appear on my credit report. 

This debt was initially listed twice under different open dates on XXXX. After I disputed it, one of the duplicate entries was removed, suggesting an error. However, this debt was then re-added to my report under a separate listing, which further supports the claim of improper reporting. There is no legitimate reason for either of these charges to remain on my credit report, and I believe the continued reporting is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

I have taken proactive steps to resolve this matter and obtained comprehensive documentation from every hospital and medical facility I have visited in XXXX since XX/XX/year>, which confirms the following : No record of the alleged appointment with XXXX XXXX XXXX 

No outstanding balance associated with my name. 

All medical visits were fully paid at the time of service, with no remaining charges. 

The hospital has officially confirmed that this debt does not exist and that no charges are pending or owed by me. 

Given the evidence provided and the continued improper reporting of this debt, I request immediate removal of this erroneous entry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately. 

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by Equifax, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency Equifax, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: First Technology Federal Credit Union
State: CA

Complaint narrative:
In XX/XX/year>, someone used my social security number and business address but with wrong email address, wrong/fake phone number, wrong signature, wrong drivers license number. They got money from " First Tech Federal Credit Union ''. Then later I got collection messages. Now my credit score is being affected. I was sent to collections at " XXXX XXXX XXXX. '' I have filed a complaint with the company.

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 2025-04-10 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: WA

Complaint narrative:
1. I did not know that an active investigation would still count against me until I received the notice that my credit score dropped over XXXX points in a day. The second I realized this I paid the amount owed, in full, and disputed the drop.

2. I filed a FERPA complaint when my information was shared without my consent. I called my state representatives respective offices in which they told me not to do anything just yet, that the offices were looking into it to see what my rights were and I have not heard back.

3. For a good portion of this loan, it was floating around in the ether not managed by anyone. It had switched lenders twice while still under the mandatory federal loan freeze implemented by the Biden administration due to the effects of COVID.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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:
To Whom It May Concern, This letter serves as formal notice that I am disputing several fraudulent accounts currently listed on my credit report. The presence of these accounts constitutes a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable federal and state laws. 

The disputed accounts are as follows : XXXX XXXX XXXX XXXX ( XXXX ) accounts listed under Depted/XXXX XXXX XXXXXXXX XXXX ) XXXX These accounts are the direct result of identity theft, and I did not authorize or initiate any transactions or agreements with the institutions listed above. Attached to this letter is an official FTC Identity Theft Report substantiating my claim. 

You are hereby demanded to conduct an immediate and thorough investigation and to remove all fraudulent accounts from my credit report without delay. Failure to comply will result in legal action, including the pursuit of damages for the willful reporting of inaccurate and harmful information, as well as formal complaints filed with the CFPB, the Federal Trade Commission ( FTC ), and the appropriate state regulatory agencies. 

This matter is being documented, and I expect written confirmation of the removal of the disputed accounts within the timeframe permitted by law. 

GOVERN YOURSELVES ACCORDINGLY. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/year>

Company response to consumer: Closed with non-monetary relief