vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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: IN

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 XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion, Experian, 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 Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$16000.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2800.00}, XXXX  XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$2000.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$1800.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$1400.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1000.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$1000.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$520.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$160.00} XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX opened XX/XX/XXXX bal. {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-03-08 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: IN

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 XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion, Experian, 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 Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$16000.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2800.00}, XXXX  XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$2000.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$1800.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$1400.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1000.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$1000.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$520.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$160.00} XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX opened XX/XX/XXXX bal. {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the 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 # ( XXXX ) as proof from the US 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 non-monetary relief
Consumer complaint received 2025-03-08 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: IN

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 TransUnion, Experian, 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 Accounts : XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$9800.00}, XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX date opened XX/XX/XXXX bal. {$3800.00}, XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$460.00}. Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-03-08 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: IN

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 TransUnion, Experian, 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 Accounts : XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$9800.00}, XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX date opened XX/XX/XXXX bal. {$3800.00}, XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$460.00}. Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 # ( XXXX ) as proof from the US 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 non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
They are allowing people to easily access my Equifax and Transunion credit reports. My credit reports and identity is cloned and its very weird how easily they're continuing to give away access to strangers and allow my information to be changed or deleted. Freeze ans fraud alerts removed without my consent by strangers. Phone number changed by someone who gained access ans purchased membership to my credit reports without my consent!

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 2025-03-08 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: TX

Complaint narrative:
I am reaching out to follow up on my earlier request for an investigation into the errors on my credit report, which I first submitted in XX/XX/XXXX. To date, I have not received any response from your office, and the inaccurate information is still present on my report, negatively impacting my credit. This lack of action is both troubling and unacceptable. 

For your reference, this is the account that I am referring to : XXXX XXXX XXXX Balance : {$650.00} Date Opened : XX/XX/XXXX Please promptly eliminate the late payment and UPDATE this account immediately. 

I respectfully urge EQUIFAX to resolve this matter without further delay. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to investigate disputes within 30 days of receiving a formal request. However, it has now been more than [ number of days since the initial request ] days, and I have yet to receive any resolution, confirmation of an investigation, or an update on this issue. The ongoing presence of this incorrect information has significantly harmed my creditworthiness, leading to credit denials, higher interest rates, and emotional distress. This prolonged delay raises serious concerns about the reliability and efficiency of the process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Subject : Dispute of Fraudulent Account Opened in My Name XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ Experian ] [ XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXX ] Dear Sir/Madam, I am writing to formally dispute the fraudulent account listed below on my credit report, which I believe is a result of identity theft : Creditor Name : [ XXXX ] Account Number : [ XXXX ] Date Opened : [ XX/XX/XXXX ] Amount : [ {$180.00} ] I have never authorized the opening of this account and was unaware of its existence until I reviewed my credit report. This unauthorized activity violates my rights under federal law, specifically 15 U.S.C. 6802, which mandates that financial institutions protect consumers personal information, and 18 U.S.C. 1028A, which criminalizes the unauthorized use of anothers identification. 

Requested Actions : 1. Investigation : Please investigate this matter promptly, as required by the Fair Credit Reporting Act. 
2. Account Closure : Close the fraudulent account and absolve me of any charges associated with it. 
XXXX. Confirmation : Provide written confirmation of the accounts closure and the removal of any related information from my credit report. 

Please note that under 15 U.S.C. 1681c-2, credit reporting agencies are required to block information resulting from identity theft upon receiving appropriate documentation. 

I appreciate your prompt attention to this serious matter and look forward to your confirmation that the fraudulent account has been closed and removed from my credit record. 

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 2025-03-08 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: NY

Complaint narrative:
Subject : Dispute of Fraudulent Account Opened in My Name XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, Ny XXXX ] [ XXXX XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ XXXX ] [ XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX ] Dear Sir/Madam, I am writing to formally dispute the fraudulent account listed below on my credit report, which I believe is a result of identity theft : Creditor Name : [ XXXX ] Account Number : [ XXXX ] Date Opened : [ XX/XX/XXXX ] Amount : [ {$180.00} ] I have never authorized the opening of this account and was unaware of its existence until I reviewed my credit report. This unauthorized activity violates my rights under federal law, specifically 15 U.S.C. 6802, which mandates that financial institutions protect consumers personal information, and 18 U.S.C. 1028A, which criminalizes the unauthorized use of anothers identification. 

Requested Actions : 1. Investigation : Please investigate this matter promptly, as required by the Fair Credit Reporting Act. 
2. Account Closure : Close the fraudulent account and absolve me of any charges associated with it. 
XXXX. Confirmation : Provide written confirmation of the accounts closure and the removal of any related information from my credit report. 

Please note that under 15 U.S.C. 1681c-2, credit reporting agencies are required to block information resulting from identity theft upon receiving appropriate documentation. 

I appreciate your prompt attention to this serious matter and look forward to your confirmation that the fraudulent account has been closed and removed from my credit record. 

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 non-monetary relief
Consumer complaint received 2025-03-08 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: NY

Complaint narrative:
Subject : Dispute of Fraudulent Account Opened in My Name XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX ] [ XXXXXXXX XXXX  XXXX ] [ XXXX XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ XXXX ] [ XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX ] Dear Sir/Madam, I am writing to formally dispute the fraudulent account listed below on my credit report, which I believe is a result of identity theft : Creditor Name : [ XXXX ] Account Number : [ XXXX ] Date Opened : [ XX/XX/XXXX ] Amount : [ {$180.00} ] I have never authorized the opening of this account and was unaware of its existence until I reviewed my credit report. This unauthorized activity violates my rights under federal law, specifically 15 U.S.C. 6802, which mandates that financial institutions protect consumers personal information, and 18 U.S.C. 1028A, which criminalizes the unauthorized use of anothers identification. 

Requested Actions : 1. Investigation : Please investigate this matter promptly, as required by the Fair Credit Reporting Act. 
2. Account Closure : Close the fraudulent account and absolve me of any charges associated with it. 
3. Confirmation : Provide written confirmation of the accounts closure and the removal of any related information from my credit report. 

Please note that under 15 U.S.C. 1681c-2, credit reporting agencies are required to block information resulting from identity theft upon receiving appropriate documentation. 

I appreciate your prompt attention to this serious matter and look forward to your confirmation that the fraudulent account has been closed and removed from my credit record. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/XXXX XXXX XXXX, my boss tried to send payment to me via PayPal and even tried sending {$10.00} as a test which came through. He then proceeded to send the remaining {$470.00} for my work. I then get a notification that my account was limited and I couldn't receive any funds. I took this to customer service and gave me the generic response which didn't help at all. I called them and was told that they didn't handle XXXX accounts, and gave me the phone number that did so, upon calling this number I was told that I still wasn't rerouted accordingly. I had to redial XXXX times before a customer service rep took it upon herself to help me with my issue even though she handles US accounts. When it was time to send an XXXX through my phone, the call cut out because it was apparently past their business hours. I looked for solutions on XXXX and sent them an email regarding my concern. I was greeted with another generated message. After a couple of exchanges expressing my frustrations and how I've already submitted the required documents despite their numerous messages telling me to submit them, I still couldn't get the proper answer I was asking for. It even got to a point where customer service reps were sending me the same copy pasted messages. They said they'll look into it, and after a while my account got permanently limited. I have funds in that account that I need to access because I have XXXX and bills coming up. Upon expressing my frustration regarding my account, they then proceeded to send me another wave of copy pasted responses.

Company response to consumer: Closed with explanation