vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 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: FL

Complaint narrative:
My name is XXXX XXXX, and I am writing to dispute numerous fraudulent entries on my credit report that I believe are the result of identity theft. I have attached my Identity Theft Report filed with the FTC for your reference. I have disputed before and received a generic response that it was validated and when I requested proof of the validation they never sent anything I said proof or delete and they did neither I was affected by the Equifax data Breach and my information in XXXX and I also submitted proof of that. I am a victim and need you to help me please. 

The following accounts and inquiries do not belong to me and should be removed from my credit file : 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 XXXXAddress Associated with Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX I have never worked for or applied to the following businesses, and they have confirmed that they have no record of me 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 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 - Opened : XX/XX/XXXX, Balance : {$160.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX - Opened : XX/XX/XXXX, Balance : {$260.00} XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$530.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX, Balance : {$510.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - Opened : XX/XX/XXXX, Balance : {$170.00} XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XXXX XXXX - Opened : XX/XX/XXXX, Balance : {$510.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: FL

Complaint narrative:
My name is XXXX XXXX, and I am writing to dispute numerous fraudulent entries on my credit report that I believe are the result of identity theft. I have attached my Identity Theft Report filed with the FTC for your reference. I have disputed before and received a generic response that it was validated and when I requested proof of the validation they never sent anything I said proof or delete and they did neither I was affected by the Equifax data Breach and my information in XXXX and I also submitted proof of that. I am a victim and need you to help me please. 

The following accounts and inquiries do not belong to me and should be removed from my credit file : 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 XXXXAddress Associated with Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX I have never worked for or applied to the following businesses, and they have confirmed that they have no record of me 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 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 - Opened : XX/XX/XXXX, Balance : {$160.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX - Opened : XX/XX/XXXX, Balance : {$260.00} XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$530.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX, Balance : {$510.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - Opened : XX/XX/XXXX, Balance : {$170.00} XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XXXX XXXX - Opened : XX/XX/XXXX, Balance : {$510.00}

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 2025-03-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Upon checking my credit report I seen some inaccurate information which lead me to file an identity theft report with the ftc! The inaccurate information was XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I did not apply for any of these products, my information was compromised, please remove these inquires from my credit file, thank you in advance, below is the new and old ftc report numbers

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Upon checking my credit report I seen some inaccurate information which lead me to file an identity theft report with the ftc! The inaccurate information was XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I did not apply for any of these products, my information was compromised, please remove these inquires from my credit file, thank you in advance, below is the new and old ftc report numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: DE

Complaint narrative:
As a consumer is was not giving my disclosures to opt out this account reporting to my credit report. I am not disputing the account however I have the right under the FCRA to opt out of this or any account to be removed from reporting therefore please remove this account from all credit reports immediately or within ten days.

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 2025-03-17 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: DE

Complaint narrative:
As a consumer is was not giving my disclosures to opt out this account reporting to my credit report. I am not disputing the account however I have the right under the FCRA to opt out of this or any account to be removed from reporting therefore please remove this account from all credit reports immediately or within ten days.

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 2025-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am submitting this formal complaint regarding TransUnion 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent account ( s ) ; in this case, this is in response to their correspondence regarding XXXX XXXX number XXXX, on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided TransUnion with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, TransUnion failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable re-investigation and transparency. Their actions contravene established precedent, such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX  bulletin underscores TransUnion 's failure to uphold consumer protections under the FCRA.

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Experian needs to report payments accurate as i have paid off negative debts and made payment arrangements on collection accounts and credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Experian needs to report payments accurate as i have paid off negative debts and made payment arrangements on collection accounts and credit card accounts.

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 2025-03-17 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report two fraudulent accounts appearing on my consumer FICO Equifax credit report, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a student loan opened at XXXX on XX/XX/XXXX under account number XXXX and a student loan opened at XXXX on XX/XX/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 demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

All accounts above, collections, late payments, and charge-offs result from 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: NC

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Between XXXX and XXXX, I sent money to an incorrect person and was not able to get the person to return the money. This happened on more than XXXX occasion, and the total amount lost totaled {$1000.00}. I was not aware that there were no guarantees to assist with errors.

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 2025-03-17 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at, account opened at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX under the account XXXXXXXX XXXX XXXX XXXXXXXX account 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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at, account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX under the account XXXXXXXX XXXX XXXX XXXXXXXX account 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 explanation
Consumer complaint received 2025-03-17 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Dear Sir/Madam, Re : Debt Validation Request {$460.00} Open Date XX/XX/XXXX I am writing to formally request validation of the debt referenced above, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Under this law, I am entitled to request that you provide verification of the debt you claim I owe before I am required to take further action regarding this matter.

Please provide the following documentation : 1. The amount of the debt.

2. The name of the original creditor to whom the debt was originally owed.

3. A detailed statement of the debt, including any charges, fees, and interest that may have been added.

4. Verification that I am legally responsible for this debt, including a copy of the signed contract or agreement that reflects my obligation to pay the debt.

5. Any judgment or legal documentation regarding the debt ( if applicable ).

6. Proof that you are authorized to collect on this debt, including your relationship with the original creditor.

7. If applicable, the original account number associated with this debt.

Furthermore, as permitted by law under 15 U.S.C. 1692c ( c ), I am also requesting that you cease and desist all collection efforts related to this alleged debt, including but not limited to any communications with me, until you have provided the requested validation. I do not consent to any further contact or collection efforts at this time.

In accordance with 15 U.S.C. 1692g ( b ), please be advised that during the time this debt is being validated, all collection activities must cease. I also request that you refrain from reporting this alleged debt to any credit bureaus until the validation process is complete, as required by law.

If you fail to provide the requested validation within 30 days from the date of this letter, you are required by law to cease collection efforts and remove any negative entries associated with this alleged debt from my credit report. Please be advised that any failure to comply with these legal obligations may result in further actions, including but not limited to formal disputes or complaints with the Consumer Financial Protection Bureau ( CFPB ) or the Federal Trade Commission ( FTC ). 
Please send your response to the address listed above. I request that you provide the required documentation no later than 30 days from the date of this letter. If you are unable to provide validation, I expect the immediate removal of any derogatory entries related to this alleged debt from my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely,

Company response to consumer: Closed with explanation