vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: OH

Complaint narrative:
To Whom It May Concern : This letter serves as a formal legal dispute and demand for immediate action under the Fair Credit Reporting Act ( FCRA ). 

I am a verified victim of identity theft. The following unauthorized accounts were fraudulently opened and/or closed without my consent. These accounts are not mine, and your continued reporting of them is a direct violation of federal law. 

Accounts to be Permanently Deleted and Blocked Immediately : XXXX Closed XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX LEGAL DEMAND FOR ACTION Deadlines Enforced by Law : Under FCRA Section 605B [ 15 U.S.C. 1681c-2 ], I am demanding the following : Block and delete these fraudulent closed accounts within XXXX business days. 

Update and reinvestigate all records within XXXX calendar days and provide written confirmation. 

FCRA Violations You Are Committing : 1681c-2 Failure to block identity theft-related items 1681i Failure to conduct timely reinvestigation 1681e ( b ) Failure to maintain accurate reporting 1681n & 1681o Civil liability for willful and negligent noncompliance Failure to Comply Will Result In : Formal complaints to the Consumer Financial Protection Bureau ( CFPB ) Reports to the Federal Trade Commission ( FTC ) and Ohio Attorney General Legal action to recover statutory, actual, and punitive damages Enclosed Documents : Identity Theft Report ( FTC or Police Report ) Government-issued ID Proof of current address This letter serves as final notice. You are legally obligated to act. I expect confirmation of full compliance within the deadlines outlined above. 

Sincerely, XXXX XXXX XXXX XXXX ( Last XXXX ) : XXXX XXXX : XX/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 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Companies Involved : Portfolio Recovery Associates , LLC TransUnion, LLC Experian Information Solutions , Inc.

Details of the Complaint : I am filing this complaint against Portfolio Recovery Associates, TransUnion, and Experian for their willful violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Portfolio Recovery has reported a derogatory account to both TransUnion and Experian under the name PORTFOLIO RC with an incomplete account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This reporting is legally deficient for several reasons : 1. Failure to Provide Required Disclosures : None of the parties provided me, XXXX XXXX, with the required consumer disclosures or notice of my right to dispute this debt prior to furnishing it to the consumer reporting agencies. This violates both the FCRA and FDCPA, which mandate that consumers be informed and given an opportunity to dispute debts before derogatory information is shared with third parties.

2. Lack of Proper Verification : In McDonald v. Rosengarten, it was clearly established that verification of a debt under federal law requires the debt collector to certify or attest that the information being reported is true and correct. None of the parties involvedPortfolio Recovery, TransUnion, or XXXX provided me with any such certification, verification, or sworn attestation to confirm the legitimacy of this account.

3. Incomplete Reporting : The reported account is incomplete and misleading, as it does not list a full account number, which is a violation of the FCRAs accuracy and completeness requirements for consumer reporting data. 

This unverified and incomplete entry has caused serious harm to my credit profile, reduced my access to financial opportunities, and inflicted undue emotional and financial stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: ID

Complaint narrative:
Dear [ Debt Collection Agency 's Name ], I am writing in response to the recent communication I received from your agency regarding an alleged debt associated with my account. I am requesting validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically under Section 809 ( b ). I dispute the validity of the debt, and it is within my rights as a consumer to request that you provide me with detailed information to substantiate your claim. I kindly request that you provide the following documentation : 1. The original creditor 's name and contact information.

2. The original account number associated with the alleged debt. 3. Detailed information about the nature of the debt, including the dates and amounts of all transactions or charges.

4. Any contracts, agreements, or other documen
ts that demonstrate my obligation to pay this debt.

5. Proof of your agency 's authorization to collect this debt on behalf of the original creditor. 
Please note that under the FDCPA, you are required to cease all collection activities until you provide the requested validation of the debt. This includes but is not limited to contacting me by phone, mail, or any other means of communication. I also request that you provide a written statement confirming that the alleged debt will not be reported to any credit reporting agencies until the requested validation is provided. Should any negative information be reported, I will take appropriate action to dispute the accuracy of the reported data. I expect a prompt response to my request within 30 days from the date of your receipt of this letter, as stipulated by the FDCPA. Failure to provide the requested validation within the specified timeframe will be deemed an admission that you can not substantiate the debt, and I will consider the matter resolved in my favor. Please send all correspondences and documentation related to this matter to the address listed above. Any communication or collection attempts made outside of the written response to this validation request will be considered a violation of the FDCPA. Thank you for your immediate attention to this matter. I trust that you will handle this request in accordance with the applicable laws and regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: MA

Complaint narrative:
My name is XXXX XXXX please take note that I am personally writing this complaint. Again, no third party involved. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I am not aware of all of this stuff ; I will have the FTC investigate on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: MA

Complaint narrative:
My name is XXXX XXXX please take note that I am personally writing this complaint. Again, no third party involved. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I am not aware of all of this stuff ; I will have the FTC investigate on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: CA

Complaint narrative:
I am a verified victim of XXXX XXXX and identity theft. Under the protections of the Fair Credit Reporting Act ( FCRA ), Section 605C, I submitted a written request to Equifax requesting the blocking and removal of fraudulent information from my credit report, as well as online through their portal.

I included all required documentation in my submission, including : - A valid police report issued by law enforcement confirming my status as a XXXX XXXX victim and identifying the resulting fraudulent
accounts - A copy of my government-issued identification - A written statement identifying the accounts and requesting the block under FCRA 605C Equifax responded with a denial letter dated XXXX XXXX, 2025, claiming that they never received the documentation, therefore they re-routed my investigation over to identity theft. This is NOT an Identity theft case and need to be sent back through the proper channels of the XXXX XXXX XXXX. All required paperwork has been sent to Equifax MORE THAN ONCE. This lack of transparency is a violation of my rights under FCRA 605C.

I am now formally disputing their denial and requesting enforcement action. Equifax is required by law
to block all adverse information resulting from my XXXX  XXXX  once I have provided proper documentation which I did. Their refusal and failure to clarify their rejection is unacceptable and has prolonged my financial harm and trauma.

I am requesting that the CFPB intervene to ensure Equifax complies with federal law and blocks all fraudulent information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern : I am filing an urgent and legally binding identity theft dispute under the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S.C. 1681c-2, and related consumer protection statutes. I demand the immediate deletion of the following fraudulent and inaccurate accounts from my XXXX credit report : XXXX XXXX XXXX, {$1900.00} ), XXXX XXXX XXXX XXXX, {$940.00} ), XXXX XXXXXXXX ( XXXX, {$480.00} written off ), and XXXX student loan account. These accounts were reported without my consent or authorization and are the result of confirmed identity theft. I have attached an FTC Identity Theft Report and will also be submitting a police report as additional evidence. Under FCRA 605B and 15 U.S.C. 1681c-2, credit reporting agencies are required to block all information resulting from identity theft within 4 business days upon receipt of proper documentation. Under Section 611 of the FCRA, if the furnisher is unable to verify the accuracy of the account with original documentation bearing my wet ink signature, the account must be immediately removed. Furthermore, the XXXX account may constitute a violation of XXXX ( Family Educational Rights and Privacy Act ), as it involves unauthorized use of personally identifiable education-related information. Pursuant to Metro 2 Compliance Guidelines and the e-OSCAR dispute system, you are required to conduct a full investigation and remove any unverifiable or fraudulent information. Failure to comply will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Office of the Inspector General, and may subject your agency to civil liability under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. I demand written confirmation of deletion and correction across all bureaus within the timeframes required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: OH

Complaint narrative:
To Whom It May Concern : This letter serves as a formal legal dispute and demand for immediate action under the Fair Credit Reporting Act ( FCRA ). 

I am a verified victim of identity theft. The following unauthorized accounts were fraudulently opened and/or closed without my consent. These accounts are not mine, and your continued reporting of them is a direct violation of federal law. 

Accounts to be Permanently Deleted and Blocked Immediately : XXXX Closed XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX LEGAL DEMAND FOR ACTION Deadlines Enforced by Law : Under FCRA Section 605B [ 15 U.S.C. 1681c-2 ], I am demanding the following : Block and delete these fraudulent closed accounts within XXXX business days. 

Update and reinvestigate all records within XXXX calendar days and provide written confirmation. 

FCRA Violations You Are Committing : 1681c-2 Failure to block identity theft-related items 1681i Failure to conduct timely reinvestigation 1681e ( b ) Failure to maintain accurate reporting 1681n & 1681o Civil liability for willful and negligent noncompliance Failure to Comply Will Result In : Formal complaints to the Consumer Financial Protection Bureau ( CFPB ) Reports to the Federal Trade Commission ( FTC ) and Ohio Attorney General Legal action to recover statutory, actual, and punitive damages Enclosed Documents : Identity Theft Report ( FTC or Police Report ) Government-issued ID Proof of current address This letter serves as final notice. You are legally obligated to act. I expect confirmation of full compliance within the deadlines outlined above. 

Sincerely, XXXX XXXX XXXX XXXX ( Last XXXX ) : XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to report a fraudulent account that has appeared on my credit report and I want to be absolutely clear : this account is the result of unauthorized use of my identity. I did not open this account, I did not apply for credit with this company, and I did not authorize anyone to do so on my behalf. 

This is a clear case of identity fraud. I had no involvement in this transaction, and XXXX not going to be held responsible for something I didnt initiate or consent to. Whether someone used my personal information without permission or this is a reporting error, the result is the same : this account is not mine and should not be on my credit file period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: NH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I NEED TO REMOVE THESE ACCOUNTS THAT ARE NOT MINE I REACH OUT TO THE CREDIT COMPANYS AND I FILE ALL THE NECCESSARY INFORMATION, SO IM REACHING OUT TO YOU TO HELP ME WITH THIS MATTER. THANKS

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 2025-06-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: AZ

Complaint narrative:
XXXX XXXXettlement payment was provided through virtual card from XXXX XXXX XXXX with a balance of {$19.00}. The card will not process for any purchases, just declines purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: CA

Complaint narrative:
I am a victim of identity theft. My credit report contains fraudulent accounts and inquiries that I did not authorize.

Under FCRA Section 605B, I request these items be blocked and removed. Ive attached my FTC Identity Theft Report, ID, proof of address, and a list of disputed items.

Please confirm once these have been 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 2025-06-16 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: CA

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that XXXX, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA, 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 2025-06-16 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: CA

Complaint narrative:
I requested the correction of inaccurate information, which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-16 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: NH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-16 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: NH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation