vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
A XX/XX/XXXX telecommunications account was either opened under my name fradulently or the account information is incorrect. I believe the account was opened around XX/XX/year> when I was subject to multiple instances of identity theft. I never noticed this fraudelentXX/XX/XXXXaccount until the amount due was sent to the collection agency ( SOURCE RECEIVABLES MNGMN )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
Subject : Urgent : Fraud Case # XXXX Unauthorized Transactions & Account Security Breach XXXX XXXX Date : XX/XX/XXXX Dear XXXX Support, My name is XXXX XXXX, and XXXX writing in regard to Case # XXXX. I am extremely concerned and frustrated by the lack of resolution and communication regarding a serious fraud incident that occurred on XX/XX/XXXX, involving unauthorized transactions and account hacking. 
Timeline of Events : At XXXX XXXX  on XX/XX/XXXX, I received XXXX suspicious emails containing checks issued in my name. I initially ignored them, assuming they were spam. 


By XXXX XXXX  the same day, my account was hacked. The checks were deposited into my savings account, then transferred to my checking account. 


Each check was for {$800.00}, and my checking account originally had $ XXXX own money. 


After the transfer, the balance was approximately {$9500.00}.

Then, three unauthorized XXXX XXXX transactions were made : {$500.00} {$1000.00} {$500.00} XXXX stolen : {$2000.00} I noticed my balance had dropped to {$5000.00}. 
Attempts to Resolve : I contacted XXXX from SDCCU, who told me to speak with XXXX. 


XXXX informed me that the bank is responsible for resolving the issue. 


XXXX also asked how I believed the transfer was done. I explained that my email was hacked, which gave them access to all my accounts, including SDCCU.

Urgent Concerns : SDCCU never alerted me of the suspicious login or transaction activity.

Its been over a week, and Ive received no updates or resolution. 


I am currently unable to deposit or withdraw funds, which has put me in a difficult positionI need access to my money to pay my bills. 


I am extremely concerned about the security of my account and the lack of action and communication from SDCCU.

I am requesting the following immediately : A status update and confirmation that this case is being handled.

Immediate restoration of the {$2000.00} lost due to unauthorized transactions.

Full access to my account so I can manage my finances.

A formal explanation of how this breach occurred, and what security measures SDCCU will implement to prevent this in the future.

If I do not receive a response within XXXX hours, I will be forced to consider closing my account and seeking additional support through regulatory or legal channels. 
This is an urgent matter and needs to be resolved immediately. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

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 2025-07-26 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-07-26 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 AM A VICTIM OF IDENTITY THEFT AND ALL THE FOLLOWING ACCOUNTS AND CREDIT INQUIRIES ARE NOT MINE AND WAS NEVERAUTHORIZED BY ME. ALL THESE ACCOUNTS NEEDS TO BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: NM

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: MI

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: NV

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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:
I am not associated with these accounts in any way and believe them to be the result of fraud. I request their immediate deletion from my credit history, along with a full investigation. Documentation is provided.

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 2025-07-26 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.

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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 submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate 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 explanation
Consumer complaint received 2025-07-26 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 am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history.

Thank you for your attention to 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 2025-07-26 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXX Date : XXXXXXXX  To : [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, ZIP Code ] Subject : Formal Request for Blocking of Fraudulent Accounts Under 15 U.S. Code 1681c-2 I am writing to formally dispute multiple unauthorized and fraudulent accounts that are being reported on my credit file. I am a victim of identity theft, and the following accounts were opened and/or reported without my knowledge, consent, or authorization. These accounts are damaging my creditworthiness and must be blocked and removed from my credit report in accordance with the federal law under 15 U.S. Code 1681c-2. 



Accounts to Be Blocked and Removed Due to Identity Theft : XXXX. XXXX XXXX XXXX Account Number : XXXX Nature of Dispute : This is not my account. I did not open or authorize this account with XXXX XXXX XXXX. 
XXXX. XXXX  Account Number : XXXX Nature of Dispute : I have never held or applied for a XXXX  account. This account is fraudulent and should be removed. 
3. XXXX XXXX XXXX XXXX Account Number : XXXX Nature of Dispute : I have no affiliation with XXXX XXXX XXXX XXXX and did not open this account. This is a result of identity theft. 
XXXX. XXXX  ( formerly XXXX XXXX  ) Account Number : XXXX Nature of Dispute : I never applied for or opened this XXXX  account. This is fraudulent and unauthorized. 



Applicable Law : 15 U.S.C. 1681c-2 Pursuant to 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency is required to block the reporting of any information in a consumers file that the consumer identifies as resulting from identity theft, not later than four business days after receiving : 1. Proof of the consumers identity ; 2. A copy of a police report filed by the consumer ; 3. The identification of the fraudulent information ; and 4. A statement from the consumer that the information is not related to any transaction made by them.

Request for Immediate Action I am formally requesting that you : 1. Block all the above-listed fraudulent accounts from appearing on my credit file, as mandated by federal law ; 2. Send written confirmation that these accounts have been removed from my credit report ; and 3. Forward this dispute to the original furnishers of the information as required under the FCRA.

Please complete this process within the timeline required by law. Continued reporting of these fraudulent accounts is causing me harm and is a violation of my rights under federal law.

If you require any additional documentation or information, please contact me in writing at the address above or via email. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXX Date : XXXXXXXX  To : [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, ZIP Code ] Subject : Formal Request for Blocking of Fraudulent Accounts Under 15 U.S. Code 1681c-2 I am writing to formally dispute multiple unauthorized and fraudulent accounts that are being reported on my credit file. I am a victim of identity theft, and the following accounts were opened and/or reported without my knowledge, consent, or authorization. These accounts are damaging my creditworthiness and must be blocked and removed from my credit report in accordance with the federal law under 15 U.S. Code 1681c-2. 



Accounts to Be Blocked and Removed Due to Identity Theft : XXXX. XXXX XXXX XXXX Account Number : XXXX Nature of Dispute : This is not my account. I did not open or authorize this account with XXXX XXXX XXXX. 
XXXX. XXXX  Account Number : XXXX Nature of Dispute : I have never held or applied for a XXXX  account. This account is fraudulent and should be removed. 
3. XXXX XXXX XXXX XXXX Account Number : XXXX Nature of Dispute : I have no affiliation with XXXX XXXX XXXX XXXX and did not open this account. This is a result of identity theft. 
XXXX. XXXX  ( formerly XXXX XXXX  ) Account Number : XXXX Nature of Dispute : I never applied for or opened this XXXX  account. This is fraudulent and unauthorized. 



Applicable Law : 15 U.S.C. 1681c-2 Pursuant to 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency is required to block the reporting of any information in a consumers file that the consumer identifies as resulting from identity theft, not later than four business days after receiving : 1. Proof of the consumers identity ; 2. A copy of a police report filed by the consumer ; 3. The identification of the fraudulent information ; and 4. A statement from the consumer that the information is not related to any transaction made by them.

Request for Immediate Action I am formally requesting that you : 1. Block all the above-listed fraudulent accounts from appearing on my credit file, as mandated by federal law ; 2. Send written confirmation that these accounts have been removed from my credit report ; and 3. Forward this dispute to the original furnishers of the information as required under the FCRA.

Please complete this process within the timeline required by law. Continued reporting of these fraudulent accounts is causing me harm and is a violation of my rights under federal law.

If you require any additional documentation or information, please contact me in writing at the address above or via email. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-07-26 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-07-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Im writing CFPB in regard to my rights as a consumer. Ive been writing and calling every credit bureau and company trying to address the adverse credit on my credit. Per 15 USC 1681B the credit bureaus are violating my rights. Ive sent my identification and Social Security number with my address above to XXXX XXXXXXXX XXXX XXXX XXXX  I have no power on their end to correct my credit. I have been trying to do this since XX/XX/year>. I get automatic responses by email and have received some mail. Ive called XXXX XXXX XXXX XXXX  and they all had the same response. Their process is looking a credit reports and not calling or contacting the companies to investigate one at a time. They all have blatantly ignored my rights as a consumer. Nothing has been deleted at all. XXXX  responds only once, via email, and XXXX responds via mail and an automatic response. XXXX XXXX responded once as well. I have requested that all companies listed on my credit bureaus respond, and I will be emailing a few responses as part of a complaint. Some companies have charged off, and I have responded to the following companies : Resurgent, XXXX XXXX, and XXXX, XXXX XXXX XXXX, XXXX. No prevail in getting any kind of debt validation and trying to be taken to court. A creditors contacted me after sending a cease and desist letter. Please investigate and have these debts removed from my credit reports immediately, per my rights. I appreciate your time in this matter, thank you. 


XXXX and LVNV were sent a cease and desist letter and both contact by phone and text which violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: MI

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 non-monetary relief