vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXXXXXX balanced {$600.00} XXXX XXXX XXXX XXXXXXXX balanced {$900.00} XXXX XXXX XXXX XXXXXXXX balanced {$170.00} XXXX  ( Original Creditor XXXX ) XXXX Balance Owed : {$590.00}

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 non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Close account at band law customer will not willing to assist in paying the remainder out so I may keep my account has affected my credit greatly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc.
State: WI

Complaint narrative:
This company is reporting to my credit report as a profit and loss of XXXX dollars. I have never purchased or authorized anything from this company. My INFORMATION was stolen and this account was opened without my consent. This Company claims the information used was verified, but never verified with Me over the phone or in person that it was actually I using my information. The company does not have any method of verification besides matching addresses and emails to information that has been leaked due to my phone being lost. How can they report a profit and loss of XXXX $ without ever actually borrowing out {$2500.00}. My credit report does not reflect the entirety of this situation and I would like for this account to be removed at once.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AVANTE
State: WA

Complaint narrative:
A new collection account is on my credit report from a company Ive never heard of. There is no additional information, no notification in the months leading up, just on my credit report and I dont even know what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
The company did NOT follow the required steps of notifying me of the debt. I disputed the account due to this reason requesting removal of the account with XXXX, However, the creditor did not complete the request. They did not send a email, call me via phone or send a letter via mail! I was not aware of this debt collector until I checked my credit reports!! According to the FCRA There are certain steps debt collectors must take before they can report a debt to a credit reporting company. They must do any of the following : Speak to you in person about the debt Mail a letter or send an electronic communication about the debt and wait for a reasonable amount of time, generally 14 days, in case it is returned as undeliverable I never received a validation notice, which means that they did not satisfy their requirement to contact me or have the right to begin reporting the debt to the credit reports!! According to the FCRA section 609 and 623 it is a credit violation to report a collections account with a PAST DUE BALANCE. They are only allowed to reprort the acct as a unpaid debt only and not a account with a past due balance!!!! By law that it is a credit violation and a violation to my rights! Under the FCRA compliance this is inaccurate reporting and must be removed IMMEDIATELY! I was never provided the opportunity to dispute this debt. I was not aware of this collection until it reported on my credit report recently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I submitted a dispute in XX/XX/XXXX to Equifax and its still in review

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I submitted a dispute in XX/XX/XXXX to Equifax and its still in review

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and 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 : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$840.00} XXXX  XXXX BALANCED {$150.00} XXXX XXXX XXXX XXXX BALANCED {$150.00} XXXX - XX/XX/year> These Items 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 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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and 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 : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$840.00} XXXX  XXXX BALANCED {$150.00} XXXX XXXX XXXX XXXX BALANCED {$150.00} XXXX - XX/XX/year> These Items 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 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 non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I recently discovered a fraudulent UCC-1 financing statement filed under my name, XXXX XXXX XXXX and my business, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year>XXXX  ( File No. XXXX ), with the California Secretary of State. This filing falsely lists me and my business as co-debtors with XXXX XXXX XXXX XXXX, involving a receivables sale with XXXX XXXX XXXX. I want to clarify that " XXXX '' is not my last name, but part of my middle name, and my full legal last name was incorrectly used in the filing. I have never signed, authorized, or agreed to this transaction, nor do I have any relationship with XXXX XXXX or XXXX XXXX  It is clear that my personal and business identity were stolen and used without my consent. In addition to this fraudulent filing, I discovered an AMEX credit card opened under my name with a judgement in the amount of {$27000.00}, which I was neither aware of nor responsible for. Furthermore, I recently discovered a possible legal proceeding involving my name as a legal hold in the amount of {$21000.00} was placed on my bank account without warning. This amount constitutes most of my available funds, putting me in significant financial hardship. Based on information I was able to find in the court system, I believe the AMEX credit account is the primary issue leading to this legal hold, as my name and business appear to be tied to it. However, I have not been aware of any lawsuit. 

I also reached out to XXXX XXXX  for information regarding the levy or lien they claimed was placed on my account, but they refused to provide me with any details. To my understanding, this lack of transparency violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), both of which protect consumers ' rights to be fully informed of such actions. As I trust XXXX XXXX  to protect my rights, I am deeply concerned by their failure to provide necessary information, which I believe may be illegal under these laws. I am requesting an immediate investigation into both the fraudulent UCC filing and the unauthorized credit card account. I have already submitted disputes to the creditor and relevant state agencies, and I am seeking urgent removal of these fraudulent claims from my records. 

Please note, I am completely unaware of the UCC-filing agreements with the companies that apparently lended money to XXXX XXXX XXXXXXXX let alone the amount that was fraudulently put in my personal name and business because I received no agreements, documentation nor did I seek financing for any company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute the inaccurate late payments reported on XXXX XXXX under my credit file under 15 U.S. Code 1681a. My records indicate that I was never late on the following dates : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX I request a full verification of these reported late payments, including any supporting documentation that proves their accuracy. If verification can not be provided, I demand that these late payments be removed or corrected immediately in compliance with the Fair Credit Reporting Act ( FCRA ). Attached to this email are supporting documents, including my [ payment records, bank statements, or any other proof ], demonstrating my on-time payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : DEMAND DELETE IMMEDIATELY INQUIRIES UNAUTHORIZED UNDER CREDIT REPORT I recently reviewed my credit report and found unauthorized inquiries. 
I have contacted the CREDITORS BELOW AND THEY HAVE NO PROOF THAT I INITIATED SUCH INQUIRIES, NO WRITTEN AUTHORIZATION, and have provided no permissible purpose. Since they have no authorization from me, either written or verbal. 
I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. Pursuant to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In General. Subject to subsection ( e ), any consumer reporting agency may provide a consumer report under the following circumstances and no others. ( F ) otherwise has a legitimate business need to obtain the information ( 1 ) in connection with a business transaction initiated by the consumer.

Per 15 U.S. Code 1681i, Paragraph ( 5 ) Handling of Inaccurate or Unverifiable Information ( A ) In general.

If, after a re-investigation pursuant to paragraph ( 1 ) of any information disputed by a consumer, an item of information is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall : ( 1 ) promptly delete.

ADDITIONALLY, Pursuant to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify ( by physically verifying the original signed consumer contract ) each and every INQUIRIES you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account.

I demand that you show me verifiable proof ( an original consumer contract with my signature ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has affected my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you can not provide me with a copy of the verifiable proof, you must remove the accounts listed below. 
I demand that the following INQUIRIES be verified or removed immediately. 
The following inquiries are not authorized : 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  I appreciate your prompt attention to this matter and look forward to receiving a response within the time frame required by 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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After, reviewing my credit reports, I noticed some accounts I am not familiar with. I have asked the CRA 's for validation of debt. However the information has not been provided. Due to my information being exposed, I have submitted an FTC complaint reporting information I am not familiar with. 


Please find attached a copy of my ID

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After, reviewing my credit reports, I noticed some accounts I am not familiar with. I have asked the CRA 's for validation of debt. However the information has not been provided. Due to my information being exposed, I have submitted an FTC complaint reporting information I am not familiar with. 


Please find attached a copy of my ID

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

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 XXXX Owed : {$11.00} XXXX XXXX Balance Owed XXXX {$610.00} XXXX  XXXX XXXX Balance Owed : {$490.00} XXXX XXXX XXXX  XXXX Balance Owed : {$150.00} XXXX XXXX Balance Owed : {$220.00} XXXX AUTO XXXX Balance Owed : {$17000.00} XXXX  XXXX Balance Owed : {$9300.00} XXXX XXXX Balance Owed : {$370.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$130.00} XXXX XXXX Balance Owed : {$9300.00} XXXX  C XXXX Balance Owed : {$400.00} XXXX XXXX Balance XXXX XXXX {$370.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 XXXX Owed : {$11.00} XXXX XXXX Balance Owed XXXX {$610.00} XXXX  XXXX XXXX Balance Owed : {$490.00} XXXX XXXX XXXX  XXXX Balance Owed : {$150.00} XXXX XXXX Balance Owed : {$220.00} XXXX AUTO XXXX Balance Owed : {$17000.00} XXXX  XXXX Balance Owed : {$9300.00} XXXX XXXX Balance Owed : {$370.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$130.00} XXXX XXXX Balance Owed : {$9300.00} XXXX  C XXXX Balance Owed : {$400.00} XXXX XXXX Balance XXXX XXXX {$370.00}

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 non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I was negatively impacted by TRANSUNIONs handling of a previously disputed account that was " verified '' without providing any supporting details of the investigation. The account in XXXX XXXX XXXX # XXXX was originally reported by XXXX XXXX and had already been removed from my credit report due to a prior fraud and identity theft investigation. This collection account is a direct result of that same fraudulent activity. 

Additionally, my personal information was exposed in a data breach, which has further contributed to inaccurate and unauthorized accounts appearing on my credit file. I am invoking my rights under Section 605B of the Fair Credit Reporting Act as an identity theft victim. This is not a standard dispute. I am formally requesting the immediate removal of this inaccurate account. 

Please ensure that this is processed within the required four ( 4 ) business day timeframe, as mandated by Section 605B. Failure to remove fraudulent information in accordance with federal law may result in further action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I have asked XXXX to provide me with the original contract showing this debt is indeed mine and they can not provide that. They send a bill with my name that can easily be forged as I dont recognize that bill. I can take the same XXXX  that they send as evidence and put any name on it. Unless they can provide a contract with MY SIGNATURE they need to immediately remove it from my credit.

Company response to consumer: Closed with explanation