vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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 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 non-monetary relief
Consumer complaint received 2025-03-26 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: MA

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 disputedentries. 
Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX INQUIRIES : XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately.

Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights.

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: IL

Complaint narrative:
there is incorrect information under my ssn i would like to change this so i can run a credit 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 2025-03-26 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: UT

Complaint narrative:
Im writing to address a serious issue with my credit report. Ive noticed that certain information reported on my file does not comply with the Fair Credit Reporting Act ( FCRA ) guidelines and is not accurate to the fullest extent. This incorrect information is negatively impacting my credit, and it needs to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: LA

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 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 2025-03-26 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 value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or delete. ve proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my XXXX  and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX **** Balance Owed : {$3200.00} XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2400.00} XXXX  XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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 value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or delete. ve proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my XXXX  and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX **** Balance Owed : {$3200.00} XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2400.00} XXXX  XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : 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 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 non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
its been like an whole month where i have XXXX $ in my bank account but they closed my account and i never received anything for my funds!

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 monetary relief
Consumer complaint received 2025-03-26 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX [ Date ] Equifax Information Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Unauthorized Collection Account Under 15 U.S.C. 1681b Dear CFPB, I am writing to formally dispute an unauthorized collection account that appears on my Equifax credit report. Upon reviewing my report, I noticed a collection entry from XXXX XXXX XXXX  that I did not authorize or recognize. I have never had an account with XXXX XXXX XXXX, nor have I incurred any debt with them that would justify this collection entry. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, consumer reporting agencies are permitted to furnish a consumer report only under certain circumstances, such as with the consumers written authorization or for a legitimate business need initiated by the consumer. Since I neither authorized this account nor initiated any transaction withXXXX XXXX XXXX I believe this constitutes a violation of my rights under the FCRA. 

I respectfully request that Equifax take the following actions : 1. Remove the unauthorized collection account from my credit report.

2. Provide the name, address, and contact information of the entity that reported this collection.

3. Ensure that this unauthorized collection does not negatively impact my credit score. 

Enclosed are copies of my credit report highlighting the unauthorized collection and a copy of my drivers license for identity verification. 

If this matter is not resolved within 30 days, I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and may pursue legal action as necessary.

Please confirm in writing the removal of the unauthorized collection and detail the actions taken. Should you require any further information, feel free to contact me at the phone number or email address provided above. 

Sincerely, 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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX [ Date ] Equifax Information Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Unauthorized Collection Account Under 15 U.S.C. 1681b Dear CFPB, I am writing to formally dispute an unauthorized collection account that appears on my Equifax credit report. Upon reviewing my report, I noticed a collection entry from XXXX XXXX XXXX  that I did not authorize or recognize. I have never had an account with XXXX XXXX XXXX, nor have I incurred any debt with them that would justify this collection entry. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, consumer reporting agencies are permitted to furnish a consumer report only under certain circumstances, such as with the consumers written authorization or for a legitimate business need initiated by the consumer. Since I neither authorized this account nor initiated any transaction withXXXX XXXX XXXX I believe this constitutes a violation of my rights under the FCRA. 

I respectfully request that Equifax take the following actions : 1. Remove the unauthorized collection account from my credit report.

2. Provide the name, address, and contact information of the entity that reported this collection.

3. Ensure that this unauthorized collection does not negatively impact my credit score. 

Enclosed are copies of my credit report highlighting the unauthorized collection and a copy of my drivers license for identity verification. 

If this matter is not resolved within 30 days, I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and may pursue legal action as necessary.

Please confirm in writing the removal of the unauthorized collection and detail the actions taken. Should you require any further information, feel free to contact me at the phone number or email address provided above. 

Sincerely, 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 2025-03-26 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: MO

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 2025-03-26 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:
This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX Balance Owed : {$8300.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$5700.00} XXXX XXXXXX/XX/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 2025-03-26 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: FL

Complaint narrative:
I am writing to follow up on my previous report concerning to formally request an investigation into the inaccurate account listed on my credit report. As per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), the three major credit bureaus are obligated to validate any account that is disputed, ensuring they are accurate and correctly reported. 
XXXX XXXX Balance : {$0.00}

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 2025-03-26 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 a personal XXXX XXXX  account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an XXXX XXXXXXXX account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$57000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These 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, 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 # ( private case number ) as proof from the XXXX 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 2025-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: MS

Complaint narrative:
Hello, I am reaching out because of my frustration with Coinbase. I have been a Coinbase customer for about 4 years now. Recently I was locked out of my account due to " suspicious activity '' I don't know what I did, it may have been trying to sign on from XXXX, but I still used the correct user name, password and XXXX protocol. In any event, in order to reestablish my credentials, I followed their instructions to send pictures of my passport and take videos of my face. I have done this three or four times and each time they report that they are unable to establish my identity. ( or some such wording ). I appreciate their security concerns but if their processes are so fraught, they should provide some other way to service their customers. 

I am really annoyed that they have completely insulated themselves behind their own corporate walls. There is no phone number to call, no active email for support, no way to text message anyone for help. ( This is also a common problem at other " public '' companies but my complaint today is with Coinbase ) I don't know where to turn so I thought to turn to you. I know that all federal agencies are under attack by the XXXX XX/XX/XXXX and feel deeply sorry that you have to answer my pedestrian complaint while under enormous pressure yourselves. 

Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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:
Despite my previous requests, the fraudulent information on my credit file remains uncorrected. This ongoing failure to remove inaccurate data is a direct violation of the Fair Credit Reporting Act ( FCRA ) Section 605.

I have already provided the necessary supporting documents and am resubmitting them for your review. Your continued inaction leaves me no choice but to escalate this matter. If this issue is not resolved immediately, I will proceed with filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Additionally, my attorney is prepared to take legal action to enforce my rights under federal law. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: FL

Complaint narrative:
There were accounts on my credit report that I did not authorized and needs to be removed off my credit report. I sent in letters to have credit bureaus delete off my record if they did not have record of me authorizing for my information to be used damaging my credit. Accounts listed below : 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 2025-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There were accounts on my credit report that I did not authorized and needs to be removed off my credit report. I sent in letters to have credit bureaus delete off my record if they did not have record of me authorizing for my information to be used damaging my credit. Accounts listed below : 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 non-monetary relief