vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-07-08 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: FL

Complaint narrative:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-08 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: Affirm Holdings, Inc
State: OH

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a fraudulent Affirm Inc. account ( Account Number : XXXX  ) that is negatively impacting my XXXX  credit report and causing significant financial and emotional distress. This account was opened due to identity theft, and despite my best efforts, I was forced to make a payment to mitigate further damage to my credit. 
The account in question, identified as AFFIRM INC, Account Number XXXX, was opened on XX/XX/XXXX. My XXXX  report, as of XX/XX/XXXX, shows this account with a status of " Closed '' and " Paid in settlement, {$120.00} written off. '' The 24-month payment history for this account shows multiple red marks, indicating missed or late payments, particularly from XX/XX/XXXX through XX/XX/XXXX. 
I emphatically state that this Affirm account is not mine, nor did I authorize its opening. I am a victim of identity theft. All other accounts on my credit report are, and always have been, paid 100 % on time. This fraudulent Affirm account is the sole negative mark on my payment history and is a direct result of criminal activity. 
Upon discovering this fraudulent account, I attempted to resolve the issue directly with Affirm. However, I encountered extreme difficulty and frustration due to their unhelpful overseas support and excessively long response times. Despite the urgency of an identity theft situation, I found it almost impossible to communicate effectively or get a timely resolution. To prevent further, prolonged, and severe damage to my credit score, and feeling I had no other recourse given the lack of cooperation and responsiveness from Affirm, I was regrettably compelled to pay the outstanding balance, which was subsequently reported as " Paid in settlement, {$120.00} written off. '' This situation has caused immense stress and has unfairly damaged my creditworthiness. The " Paid in settlement '' status and the reported missed payments, all stemming from a fraudulent account, inaccurately represent my financial responsibility and are hindering my ability to access credit and manage my finances effectively. It is fundamentally unjust that I, as a victim of identity theft, have had to bear the burden of both paying for a fraudulent debt and suffering the adverse consequences on my credit report. 
I respectfully request that the CFPB investigate this matter thoroughly. I ask for your assistance in having this fraudulent account removed from my credit report entirely, reflecting that it was a result of identity theft and not a legitimate debt or a reflection of my payment behavior. 
Thank you for your time and attention to this urgent matter. I look forward to your prompt assistance in resolving this egregious error and restoring the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. 

Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: NV

Complaint narrative:
These violations are being ignored BY ALL CREDIT REPORTING AGENCIES. 15 U.S.C.ss 1681e ( b ) and 1681li ( a ) ( 5 ) ( A ) Thet are increasing a balance monthly FDCPA ss 808 ( 1 ) and ( 2 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
XXXX XXXX, XXXX : XXXX, XXXX XXXX This CFPB complaint has been filed a second time due to FTC report not uploaded with complaint to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the Transunion credit reporting agencies 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 personal credit card accounts such as these : Account Name : XXXX XXXX XXXX  : XXXX ( Account Number : XXXX, Dated Opened XXXX Owed {$750.00} ), XXXX XXXX XXXX XXXX  : Account XXXX XXXX XXXX XXXX Opened XXXX, XXXX, XXXX, Amount Owed {$460.00} ), XXXX XXXXXXXX : Original Creditor XXXX XXXX XXXX Account XXXX : Opened XX/XX/XXXX, Amount Owed {$7400.00} ), XXXX XXXX  : Account Number XXXX ( Date Opened XXXX, XXXX, XXXX, Amount Owed {$3900.00} ), Credit Inquiry XXXX XXXX on XX/XX/XXXX XXXX These accounts have resulted in several collections appearing on my consumer FICO credit report. The aforementioned accounts, collections appearing on my credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections area a result of identity theft and fraud. I have attached a copy of the FTC identity theft Criminal Complaint # XXXX case number as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account, and collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Today, I am lodging a complaint to notify you that I have fallen victim to identity theft. I have filed a report with the Federal Trade Commission ( FTC ) at https : XXXX, in accordance with FCRA Section 605b, which mandates Credit Reporting Agencies to investigate any items listed on an identity theft report. I have attached documents to facilitate the investigation of erroneous information currently posted on my report. 
Enclosed is a list of items that neither belong to me nor were opened with my permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) governs ChexSystems. This ensures that information collection and sharing is done accurately and with respect for customers like myself privacy. I have Identified information, such as my name, Social Security number, date of birth, and inaccurate addresses as well as phone numbers reported incorrectly. I also came across account information, such as reports of closed accounts due to issues like overdrafts or suspected fraud. Transaction history, including details on bounced checks or unpaid fees. Inquiries, or records of applying for new accounts. A reported and filed a police report with my local law enforcement agency and they were informed of the suspected identity theft. Please remove and delete any negative information and potentially dispute errors. This involves correcting errors, reporting paid off outstanding debts, and not waiting for negative information to age off that does not belong to me.

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 2025-07-08 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: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-08 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: NJ

Complaint narrative:
I am filing this complaint against Experian and XXXX XXXX XXXX XXXX  XXXX for ongoing violations of the Fair Credit Reporting Act ( FCRA ) and repeated consumer harassment related to a fraudulent XXXX XXXX  account that was previously removed from my credit file due to confirmed identity theft. 

Despite the account being properly investigated, proven to be unauthorized, and permanently removed, XXXX  and/or XXXX XXXX have engaged in unlawful conduct by re-reporting or attempting to reinsert this account. This action is a direct violation of : FCRA 1681c-2 : which prohibits the reinsertion of any information related to identity theft once removed, unless the furnisher verifies its legitimacy which is not possible in this case as the account was conclusively identified as fraudulent.

FCRA 1681n and 1681o : which hold credit bureaus and furnishers liable for willful or negligent noncompliance, including damages, attorney fees, and punitive compensation. 
This conduct is not only legally unacceptable but amounts to continued harassment, an invasion of privacy, and an attempt to damage my credit standing using information that is known to be false and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the validity of the alleged debt associated with the XXXX  account { XXXXXXXX XXXX account number XXXX }. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request a validation of the debt you claim I owe. Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to request accurate and verifiable information regarding any negative entry on my credit report. 

Therefore, I hereby request that you provide me with the following documentation and information to validate this debt : 1. A complete itemized statement of the debt, including the original creditors name, account number, date of the debt, and the exact amount owed as of today.

( FDCPA 1692g ( a ) ( 1 ) ) 2. A copy of the original signed contract or agreement bearing my signature that created this debt.

( FDCPA 809 ( a ) ) Requirement to provide evidence of debt ownership 3. Documentation proving your agencys legal authority to collect this debt, including the original assignment, sale agreement, or transfer of the debt from the original creditor to your company. 
( FDCPA 1692g ( b ) ) 4. Verification that the debt belongs to me, including proof of my identity, name, and address associated with this debt. 
( FDCPA and FCRA requirements for accuracy and verification ) XXXX. Proof of the complete chain of custody for the debt, detailing when and how the debt was transferred or sold from the original creditor to your agency. 
( To establish legal standing to collect and report the debt ) Please be advised that until you provide the requested validation, you are legally required to cease all collection activities under FDCPA 1692g ( b ). Additionally, if you are reporting this account to any credit reporting agencies, failure to verify the debt obligates you to notify these agencies to remove any unverifiable or inaccurate information as mandated by the FCRA 1681i.

I expect your response in writing within 15 days of receipt of this letter. Failure to comply will be considered a violation of federal law, and I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint serves as a formal follow-up to the complaint I submitted last month regarding the unauthorized and fraudulent use of my Social Security number and personal identifying information. This correspondence reiterates and reinforces my demand for the immediate removal of all accounts that were fraudulently opened in my name. 

These accounts were not authorized, opened, or consented to by me and are not reflective of any legitimate financial activity. Their continued presence on my credit report is both inaccurate and damaging.

Legal Grounds for Immediate Deletion : Pursuant to the following federal laws and regulations, I demand the permanent deletion of all fraudulent data : 15 U.S. Code 1681c2 : I am exercising my right to request the removal of all information resulting from identity theft. You are obligated to comply with this request.

12 CFR Part 1022, Subpart H : You are legally required to delete fraudulent information from my credit file within four ( 4 ) business days of receiving notice.

15 U.S. Code 1681a ( 2 ) ( B ) : Any credit transaction involving the unauthorized use of a Social Security number must be excluded from any consumer report.

15 U.S. Code 1692j : Misrepresenting a debt or furnishing deceptive forms is a direct violation of federal law.

Demand for Immediate Action : Let me be absolutely clear : These accounts are fraudulent.

Your continued reporting of them is reckless and potentially unlawful.

I demand that all fraudulent accounts and inquiries be deleted from my credit file immediately. 

Any collection efforts tied to these accounts must cease and desist without delay. 

BELOW ARE THE ITEMS THAT NEEDS TO BE REMOVE ASAP : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6500.00} Date Opened : XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3700.00} Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6300.00}.

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 2025-07-08 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: FL

Complaint narrative:
I hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-07-08 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: Experian Information Solutions Inc.
State: PA

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