vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XX/XX/year> received certified letter dated XX/XX/year> Letter states that if I wish " to obtain updated payoff or reinstatement figures, '' to do so within ten ( 10 ) days. 

This is not fair because US Postal Informed Delivery clearly shows that I just received the letter on XX/XX/year> which is not enough time to request the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CT

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
Credit Resource Management and XXXX XXXX are continuing to report accounts on my credit r

eport that are directly related to identity theft, despite multiple formal disputes and submission of supporting documentation, including a police report, FTC Identity Theft Report, proof of address, and a copy of my government-issued ID. These accounts were not opened by me and were identified as fraudulent during my identity theft
investigation in XXXX and XX/XX/year>. I have made several requests for the permanent removal of these accounts, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). 

Despite providing all required documentation, these companies have failed to block or delete the fraudulent information as required under : FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Requires credit reporting agencies and furnishers to block identity theft-related information within 4 business days of receiving appropriate documentation.

FCRA Section 611 ( 15 U.S.C. 1681i ) Requires a reinvestigation and resolution within 30 calendar days of a formal dispute.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) Prohibits furnishers from reporting inaccurate or fraudulent information once they are notified of a dispute and identity theft.

These violations have caused ongoing harm to my credit file and financial wellbeing. I am requesting that the CFPB enforce the immediate and permanent deletion of these fraudulent accounts from my credit report and take action against both companies for failing to comply with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/XXXX I am writing to lodge a formal complaint regarding a recent financial transaction that did not conclude as expected. On XX/XX/XXXX, I authorized a wire transfer of {$1000.00} from my account at XXXX XXXX XXXXXXXX to an account at the XXXX XXXX XXXX XXXXXXXX. This transaction was facilitated through Chase Bank, acting as the intermediary institution. 
Unfortunately, the wire transfer was unsuccessful, and a partial amount of {$870.00} was refunded to my XXXX XXXX XXXXXXXX account. However, I have noticed that {$120.00} is unaccounted and missing from the total amount that should have been refunded. Despite numerous attempts to resolve this matter directly with Chase Bank, I have yet to receive the missing funds. I received a call from XXXX XXXX XXXX XXXX  XXXX XXXX. She blamed Chase. 

I kindly request that your agency conduct a thorough investigation into this issue and facilitate the reimbursement of the outstanding XXXX dollars to my XXXX XXXX XXXXXXXX account. Enclosed herein are pertinent transaction details and supporting relevant documentation for your review and reference. Should any further information or clarification be required, I am available at ( XXXX ) XXXX or XXXX please feel free to contact me. 

I would appreciate your prompt attention to this matter and look forward to a swift and satisfactory resolution. Thank you for your understanding and cooperation. 

Yours Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
Debt Collector : First Federal Credit Control Original Creditor : XXXX XXXX XXXX XXXX Date of Collection Letter : XX/XX/year> Amount Claimed : {$17000.00} Dispute Basis : Inaccurate balance and illegal dual billing What Happened : The debt collector attempted to collect {$17000.00} on behalf of my former attorney, XXXX XXXX. Attorney XXXX represented my estranged husband and me as co-defendants in a civil case ; during the course of the case we began divorce proceedings. XXXX  XXXX is aware that this is a joint-marital debt and that I am represented by counsel, in fact she has spoken to my attorney on numerous occasions regarding this matter. This debt is under jurisdiction of the Family Court and they have not authorized any payments, highlighting the Nonsensical amounts this attorney claims are owed her given the following : Her last bill to prior to collection was dated XX/XX/year> for {$16000.00} Collection was initiated on XX/XX/year> for {$17000.00} After collection was initialed, Attorney XXXX billed me directly on XX/XX/year> for a final balance of {$12000.00} In addition to rushing to collection and ignoring the jurisdiction of the Family Court, while this collection was pending, the attorney continued to bill me directly, despite assigning the debt to collections. This is in violation of the Fair Debt Collection Practices Act and the Florida Consumer Collection Practices Act.

No interim payments have been made to this attorney as this has been assigned- these amounts do not include amounts requested for retainer replenishment : Her last bill to prior to collection was dated XX/XX/year> for {$16000.00} On XX/XX/year> she texted me for payment saying that outstanding bill was {$8000.00} Collection was initiated on XX/XX/year> for {$17000.00} After collection was initialed, XXXX  XXXX XXXX me directly on XX/XX/year> for a final balance of {$12000.00} Billing me directly, after assigning this bill to collection, is in violation of the Fair Debt Collection Practices Act and the Florida Consumer Collection Practices Act.

What Resolution Im Seeking : Investigation into the collection firms verification process Confirmation that the account is invalid and disputed Prohibition on dual billing and misleading balance reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NC

Complaint narrative:
I reported fraudulent activity on my account as numerous XXXXXXXX XXXX apps ( all similar in nature ) were repeatedly attempting to charge ( albeit successfully or not successfully ) my account. I couldn't block them fast enough. It started from an app that I believe used phishing techniques to acquire individuals banking information. They acquired mine and I was expecting a pay out from playing a game, instead I go got bombarded with charges. I contacted support and reported it but I didn't know exactly how to word it I guess. I was told my account could be closed if I reported something that wasn't accurate or what not. They indeed closed my account without notice. I contacted several times, including screenshots and extra information to no regard. I appealed, my account was closed, I use my account to send money to family and for some business purposes, I am realizing I can not open another account and support has been most unhelpful in resolving this matter appropriately. I feel ive been penalized for reporting fraud. I'm receiving the punishment for trying to resolve discrepancies. What is the world coming to?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
I don't owe this debt that was placed on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX 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 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 non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
XXXX FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX -- - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
XXXX FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX -- - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXalance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXalance : {$0.00}

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX 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 non-monetary relief