vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by XX/XX/XXXX as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA.

Legal Precedent : 1.Parker v. Time Warner Entertainment Co. L.P. , 331 F.3d 13 ( 2d Cir. 2003 ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process.

2.Sarver v. Experian Information Solutions , Inc. , 390 F.3d 969 ( 7th Cir. 2004 ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report.

3.Henson v. Santander Consumer USA , Inc. , 2017 U.S. Dist . LEXIS 191143 ( E.D. Va. 2017 ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 


XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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 demanding the removal of this incorrect and misleading information from my credit report. It blatantly violates multiple sections of the Fair Credit Reporting Act ( FCRA ). Under Section 604 ( a ), you are only permitted to allow access to my credit report for specific, permissible purposes. Im questioning whether this data even meets that standard.

Under Section 611 ( d ), any unverifiable information must be removed from my credit report during the reinvestigation process. I expect a thorough and immediate review of this data, and the deletion of anything you can not verify.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC
State: WI

Complaint narrative:
Tried applying for credit card with concora credit which send letter stating givin reason for denial. Which does show credit score at end of the letter. That means they did optain my credit scores and letter provided stated unable to approve. Unable to contact per alert on your credit score which isn't a reason to denial application

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have disputed a XXXX XXXX bankruptcy filed on XX/XX/year>2024 that is being reported by Experian. I sent multiple written letters requesting the method of verification, the original source of the bankruptcy, and documentation used. I received no response. 

I obtained a formal letter from the XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX confirming that the court does not verify or report any consumer data to credit bureaus. All access is only available through XXXX, which is not a valid verification method under FCRA standards. 

Since Experian did not verify the bankruptcy through the original source and failed to respond to my dispute, this is a violation of FCRA Sections 609, 611, and 616. The information is unverifiable and must 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 explanation
Consumer complaint received 2025-03-31 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: NJ

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: SC

Complaint narrative:
I XXXX XXXX, XXXX, DOB : XX/XX/year> am a victim of identity theft. 
This CFPB complaint has been filed to request pursuant to FDRA 605B ( 15 U.S.C 1681c-2 ) that you, TransUnion 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 consist of personal credit card account opened at XXXX XXXXaccount number:XXXX, XXXX XXXX account number:XXXX, XXXX XXXXXXXX XXXX  account numberXXXX, XXXX XXXX account number:XXXX XXXX XXXX  account number:XXXXXXXX XXXX XXXX XXXX XXXX account number: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 FTC Identity Theft Criminal Complaint # XXXX as proof from XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are 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 2025-03-31 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: CA

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/XXXX, 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/XXXX, but I still have not received a response. To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/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, CA, 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 2025-03-31 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:
Subject : Credit Bureau Non-Compliance Identity Theft & FCRA Violation Complaint : I am filing a formal complaint against Experian, Equifax, and TransUnion for their continued failure to remove fraudulent accounts from my credit report despite my repeated disputes.

Case Background : I was a victim of identity theft, which resulted in multiple unauthorized accounts appearing on my credit report. 
I filed a police report ( Case # XXXX ) and submitted it to the credit bureaus. 
Despite multiple dispute requests, they have refused to remove these fraudulent items. 
This is a violation of FCRA 605B, which requires them to block fraudulent items within 4 business days after receiving proof of identity theft.

Fraudulent Accounts : I demand the immediate removal of these fraudulent accounts and inquiries. The credit bureaus have ignored my legal rights, causing ongoing financial harm. Please investigate this matter and ensure compliance with federal law.

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 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TransferWise Ltd
State: MI

Complaint narrative:
I am unable to open an account with Wise and have not been given a reason for the denial. 

Complaint Narrative : I have attempted to open an account with Wise ( formerly TransferWise ), but I am unable to complete the registration process. No explanation is provided for the issue, and because I do not have an active account, I am unable to contact Wise customer support for assistance or clarification. 

I would like to use Wise to transfer money from my U.S. bank account to my personal XXXXXXXX XXXX account, as well as to send money to friends and family in XXXX. Wises services would help me manage cross-border finances more efficiently, but I am being blocked from accessing them with no clear justification. 

As a U.S. citizen, I believe I meet all eligibility requirements to open an account. I am simply requesting transparency and fair access. If there is a valid reason for the denial, I would like it to be communicated to me clearly. Otherwise, I am asking for the opportunity to open an account and use Wises services as intended. 

Requested Resolution : I am asking that Wise either provide a clear and specific explanation for why I am unable to open an account or allow me to proceed with creating one so that I can transfer money between my U.S. and XXXXXXXX XXXX accounts, and send funds to friends and family in XXXX. 
Also I never had a wise account either so thats a bit weird

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Javitch, Block & Rathbone LLC
State: OH

Complaint narrative:
As per your lengthy response you noted in your letter that you filed a law suit signed on XX/XX/XXXX two months before the the statutes of limitations ran out on a ladt ditch effort to collect a debt you purchase from a charge off accout from XXXX correct? I would like to see the full purchase agreement, how much you paid for purchasing this debt, chain of title, the original creditors signed contract, and complete debt validation for this debt. I am a XXXX XXXX of a XXXX veteran husband with no income of my own since XXXX. As per you letter you are still trying to collect on a debt that i never received a 1099c for furthermore you trying to collect what I don't have is a waste of time and effort on your part. I have no intentions to pay this debt due to my financial hardship and lack of income. I understand that the judgment is only enforceable for five years and it seems to be padt that at this time so I again would like to request all the documents with your debt purchase to include exact amounts paid for my debt because 8f you purchased the debt from XXXX XXXX XXXX. You own the debt not me also I never authorized or signed any agreement with you are XXXX to sell my information to all third-party collection agency. If you can not provide the requested information in writing please cease and desist all collections and reporting activities as this is a violation of FDCPA regulations due to the age of this debt also you have had this debt in your office since XXXX and now 7 years later trying to send me a settlement letter why did you wait 7 years? Also again old debt. I also want to add I own nothing of value nor do I have any savings. There is simply nothing to collect or gain by you pursuing this matter further other than spitefully and intensionally violating my consumer credit rights to reflect negativitly on all credit reporting agencies to deny me credit or to try to scare me with legal action that was taken years ago. This is violating my rights and I trust you will take this matter seriously and handle it in a timely and professional matter. I look forward to receiving a satisfactory resolution to all these matters.

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 2025-03-31 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:
Recently i looked at copy of my credit report and noticed a several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these this item for me to ensure occuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXXXXXX

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 2025-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
My name is XXXX XXXX XXXX and my life has been a journey marked by unimaginable pain and unwavering resilience. I am a XXXX XXXX XXXX, of XXXX since XXXX, and of countless challenges that have tested every ounce of my strength. I am a XXXX XXXX  fighting to provide for my son and myself, but it feels like the world is intent on breaking me. 

I fought hard to save our home, completing two mortgage modifications with Penny Mac. Yet, despite my efforts, Ive been told my estranged husbands signature is required to finalize the agreementa man who abused me in every possible way before abandoning us. He hurt me physically, mentally, emotionally, and financially, leaving scars that will never truly heal. And now, his absence continues to hold us hostage. I dont know where he is, and I know he has immigration issues, but that doesnt change the fact that his signature stands between my son and me and the roof over our heads. 

The thought of losing our home is devastating. After all weve enduredafter all Ive fought forare we now to face homelessness because of his cruelty and neglect? I am sick, worn down, and struggling to survive, yet Im constantly met with closed doors and empty promises when I ask for help. The weight of it all is crushing, but what hurts the most is the thought of failing my son. He deserves safety, stability, and a chance to grow without fear of losing everything. 

I am working with a HUD counselor, XXXX XXXX, to try to find a way out of this nightmare. But I feel like time is slipping away, and every day brings new fears. I am pleading for someone to listen, for someone to carefor someone to help. My son and I shouldnt have to suffer any more because of a missing signature. We deserve compassion, dignity, and a home to call our own.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX2024 2024

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 2025-03-31 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: TX

Complaint narrative:
Recently i looked at copy of my credit report and noticed a several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these this item for me to ensure occuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: RI

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-03-31 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
please see the attached documents.. 
i send my 1st letter explainted, i was victim fo dta breahc and because of that i was victim of identity theft i have to many acocunt opend under my name.. i make in my dispute letter clear what was the account in mention..

Company response to consumer: Closed with non-monetary relief