vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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: PA

Complaint narrative:
* * To : * * Experian TransUnion Equifax -- - * * Subject : * * URGENT REQUEST : METHOD OF VERIFICATION & REMOVAL OF FRAUDULENT ACCOUNT NOTICE OF FCRA VIOLATION PENALTIES To Whom It May Concern, This letter serves as notice of your direct violation of said law, and I am filing a legal complaint for continuing to violate my credit by reporting and verifying fraudulent accounts. The following account is not mine and was opened or reported without my knowledge or consent : * * * XXXX XXXX XXXX * * Collection Under the * * Fair Credit Reporting Act ( FCRA ) * * * * 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) * * I am requesting a reinvestigation and a detailed explanation of your method of verification. Per * * 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) * *, you must provide the name, address, and phone number of each furnisher of information.

Under * * 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) * *, furnishers must not report information they know or have reasonable cause to believe is inaccurate. Continuing to report or verify these fraudulent accounts constitutes a willful violation of the FCRA.

* * NOTICE OF PENALTIES : * * Willful noncompliance with the FCRA subjects Experian, TransUnion, Equifax, and data furnishers to statutory damages of * * \ {$1000.00} per violation * * ( 15 U.S.C. 1681n ), actual damages, punitive damages, attorneys fees, and costs. Additionally, each violation may result in civil penalties imposed by federal authorities.

If this fraudulent account is not deleted within 7 days, I will pursue all available legal remedies, including filing complaints with the * * Consumer Financial Protection Bureau ( CFPB ) * *, * * Federal Trade Commission ( FTC ) * *, and considering civil action for damages. 


Please provide the requested verification and confirmation of deletion in writing. 

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 2025-08-19 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: PA

Complaint narrative:
* * To : * * Experian TransUnion Equifax -- - * * Subject : * * URGENT REQUEST : METHOD OF VERIFICATION & REMOVAL OF FRAUDULENT ACCOUNT NOTICE OF FCRA VIOLATION PENALTIES To Whom It May Concern, This letter serves as notice of your direct violation of said law, and I am filing a legal complaint for continuing to violate my credit by reporting and verifying fraudulent accounts. The following account is not mine and was opened or reported without my knowledge or consent : * * * XXXX XXXX XXXX * * Collection Under the * * Fair Credit Reporting Act ( FCRA ) * * * * 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) * * I am requesting a reinvestigation and a detailed explanation of your method of verification. Per * * 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) * *, you must provide the name, address, and phone number of each furnisher of information.

Under * * 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) * *, furnishers must not report information they know or have reasonable cause to believe is inaccurate. Continuing to report or verify these fraudulent accounts constitutes a willful violation of the FCRA.

* * NOTICE OF PENALTIES : * * Willful noncompliance with the FCRA subjects Experian, TransUnion, Equifax, and data furnishers to statutory damages of * * \ {$1000.00} per violation * * ( 15 U.S.C. 1681n ), actual damages, punitive damages, attorneys fees, and costs. Additionally, each violation may result in civil penalties imposed by federal authorities.

If this fraudulent account is not deleted within 7 days, I will pursue all available legal remedies, including filing complaints with the * * Consumer Financial Protection Bureau ( CFPB ) * *, * * Federal Trade Commission ( FTC ) * *, and considering civil action for damages. 


Please provide the requested verification and confirmation of deletion in writing. 

Sincerely, * * XXXX XXXX * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Correct my address and name as shown to all credit bureau

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Correct my address and name as shown to all credit bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc.
State: FL

Complaint narrative:
TEK COLLECT is falsely reporting on my credit. I have never had any accounts with them. Per my research TEK COLLECT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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 a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business 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 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I hope this message finds you well. I am writing to respectfully request your assistance regarding an account I previously held with Citibank. Unfortunately, due to circumstances beyond my control, this account went into default. 
In XXXX, I experienced a sudden and life-altering loss of vision. By XXXX, I was officially declared XXXX  XXXX and have since been unable to return to work. I am currently on a fixed income through XXXX XXXX XXXXXXXX and have no other financial resources. 
As a result of my XXXX, I am no longer able to live independently and now require the care of an XXXX XXXX XXXX. Regrettably, I am unable to qualify for such care at this time, in part due to the negative impact this account has on my credit report. 
Given my medical condition and financial hardship, I am humbly requesting a goodwill deletion of this account from my credit report. I fully recognize the importance of financial responsibility and have always strived to maintain good credit. However, my health challenges have made it extremely difficult to manage my finances as I once did. 
A goodwill adjustment from Citibank would provide immense relief and help me secure the housing and care I urgently need. I sincerely hope you can consider this request under compassionate grounds.

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 2025-08-19 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I filed a dispute with PayPal in XX/XX/year>, about an item purchased. PayPal honored and granted favor on the sellers behalf instead of me. I messaged PayPal about my issue with the seller not responding to my message about the defective item. The seller was rude in not responding to me. PayPal never helped in solving my issue with seller.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I paid {$10000.00} to the XXXXXXXX XXXX XXXXXXXX on behalf of my former company. However, because the XXXXXXXX XXXX finance department doesn't accept XXXX XXXX, they rejected the charge and provided a receipt with my name on it. I contacted the bank several times. The first time, they asked for more proof that the charge was paid with another card. I found a receipt from my former company 's payer. The second time, I contacted the bank again, but they said they didn't receive my fax and still refused to refund me. The third time, I went back to the XXXX, and they had their IT department show me the rejection information on a computer. After taking a photo, I found the last number was XXXX. It turned out to be my XXXX XXXX account, but it was also a Bank of America credit card. It's now XX/XX/XXXX, over XXXX  days, and I still haven't received my refund. The bank has also been asking for different documents, and I have provided everything I can. I don't know how to get this refund.

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 monetary relief
Consumer complaint received 2025-08-18 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: TX

Complaint narrative:
TransUnion continues to report inaccurate information on my file after a reinvestigation. 
I disputed a XXXX XXXX tradeline due to inconsistent and misleading reporting. On XX/XX/2025, TransUnion marked the account Verified as Accurate and Updated, but it still shows a Past Due balance of {$4400.00} while the account is charged off/closed. Reporting a past due on a charged-off/closed account is inaccurate and misleading. TransUnion also shows Balance = {$4400.00} and Charge-off = {$4400.00}, which suggests duplicate or improper status/balance reporting. Under FCRA 607 ( b ) and 611 ( a ), CRAs must ensure maximum possible accuracy and correct/delete unverifiable or inaccurate data. Industry Metro 2 standards do not support continuing to display a past due amount once an account is charged off/closed.

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 2025-08-19 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I closed and returned the Walgreens credit card 3 months ago and they want XXXX XXXX  after they called me a liar and I was paying XXXX XXXX dollars a month and then they would go back and charge me XXXX to XXXX dollars interest on top of what I paid and I paid for 3 years monthly and was told I couldn't even make online orders on it because I didn't own the account when I did to nobody else lives with me too and my name is XXXX XXXX I refuse to pay after customer service from XXXX and synchrony bank too

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 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Williams & Fudge, Inc
State: PA

Complaint narrative:
XXXX XXXX XXXX : XX/XX/year> To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject XXXX XXXX XXXX  URGENT REQUEST : METHOD OF VERIFICATION & REMOVAL OF FRAUDULENT ACCOUNT NOTICE OF FCRA VIOLATION PENALTIES To Whom It May Concern, This letter serves as notice of your direct violation of said law, and I am filing a legal complaint for continuing to violate my credit by reporting and verifying fraudulent accounts. The following account is not mine and was opened or reported without my knowledge or consent : XXXX XXXX XXXX  WILLIAMS & FUDGE XXXX XXXX Collection Under the * * Fair Credit Reporting Act ( FCRA ) * * * * 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) * * I am requesting a reinvestigation and a detailed explanation of your method of verification. Per * * 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) * *, you must provide the name, address, and phone number of each furnisher of information.

Under * * 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) * *, furnishers must not report information they know or have reasonable cause to believe is inaccurate. Continuing to report or verify these fraudulent accounts constitutes a willful violation of the FCRA. 

* * NOTICE OF PENALTIES : * * Willful noncompliance with the FCRA subjects XXXX XXXX XXXX and data furnishers to statutory damages of * * \ {$1000.00} per violation * * ( 15 U.S.C. 1681n ), actual damages, punitive damages, attorneys fees, and costs. Additionally, each violation may result in civil penalties imposed by federal authorities. 

If this fraudulent account is not deleted within 7 days, I will pursue all available legal remedies, including filing complaints with the * * Consumer Financial Protection Bureau ( CFPB ) * *, * * Federal Trade Commission ( FTC ) * *, and considering civil action for damages. 


Please provide the requested verification and confirmation of deletion in writing. 

Sincerely, * * XXXX XXXX * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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 letter disputes specific listings linked to accounts I did not authorize. I respectfully request a meticulous investigation and their expungement. Supporting records are provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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:
The reported item is inconsistent with my established payment practices and seems inaccurate. Kindly investigate and update my file.

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