vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : Account details : XXXX. XXXX XXXX XXXXXXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification ) This matter is extremely time-sensitive, and I appreciate your immediate attention to this dispute. Please confirm the removal of this fraudulent account promptly.

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 2025-06-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : Account details : XXXX. XXXX XXXX XXXXXXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification ) This matter is extremely time-sensitive, and I appreciate your immediate attention to this dispute. Please confirm the removal of this fraudulent account promptly.

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 2025-06-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Reporting Agency has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may nod treat a payment on a credit card account under an open end XXXX consumer credit plan as late for, duplicate and purpose. Reporting Agency does not address the issue just updates information and this has been done over XXXX times no resolution

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 2025-06-18 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: NC

Complaint narrative:
Reporting Agency has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may nod treat a payment on a credit card account under an open end XXXX consumer credit plan as late for, duplicate and purpose. Reporting Agency does not address the issue just updates information and this has been done over XXXX times no resolution

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 2025-06-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
b"Please remove the following items:-\n\nADDRESSES :-\n \nXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX\nXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX\n \nACCOUNTS:-\nXXXX XXXX  XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX\nXXXXXXXX\nXXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX\n \nINQUIRIES:-\nXXXX XXXX/XXXX XXXX\nXXXX XXXX/XXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX\nXXXX XXXX  XXXX\nXXXX XXXX XXXX\nXXXXnXXXX XXXX\nXXXX XXXX XXXX/XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXXnXXXX\nXXXX XXXX XXXX\nXXXX XXXX\nXXXX XXXX XXXX\n \nXXXX XXXX:-\nXXXX\nXXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXXXXXX/XXXX\nXXXX XXXX\n\nI had not checked my credit report in a long time. I went to the bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare."

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 2025-06-18 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: TX

Complaint narrative:
b"Please remove the following items:-\n\nADDRESSES :-\n \nXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX\nXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX\n \nACCOUNTS:-\nXXXX XXXX  XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX\nXXXXXXXX\nXXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX\n \nINQUIRIES:-\nXXXX XXXX/XXXX XXXX\nXXXX XXXX/XXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX\nXXXX XXXX  XXXX\nXXXX XXXX XXXX\nXXXXnXXXX XXXX\nXXXX XXXX XXXX/XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXXnXXXX\nXXXX XXXX XXXX\nXXXX XXXX\nXXXX XXXX XXXX\n \nXXXX XXXX:-\nXXXX\nXXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXXXXXX/XXXX\nXXXX XXXX\n\nI had not checked my credit report in a long time. I went to the bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare."

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) To Whom It May Concern, This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I am disputing the accuracy and legal validity of the XXXX XXXX XXXX collection account listed on my Experian credit report. This account is being reported as a collection with a past due amount of {$410.00} and is linked to XXXX XXXXXXXX XXXX XXXX This item is : Unverifiable : I demand a full method of verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

Potentially inaccurate : XXXX is a debt buyer, and the chain of title or contract showing assignment of this debt to them has not been verified. 

Legally deficient : You are reporting a collection item that fails to meet the original creditors data accuracy or account-level detail as required under the XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX ) standards. 

In addition, this debt was previously disputed and continues to be inaccurately reported without full reinvestigation or documentation as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and ( 5 ) ( A ). XXXX XXXX also failed to notify me of my rights under the FDCPA within five days of initial contact, a violation of 15 U.S.C. 1692g ( a ). 

Because this account can not be verified with complete and accurate documentation from the original creditor, and because its continued reporting is damaging and unlawful, I demand that it be immediately and permanently deleted from my Experian credit file. 

Please provide written confirmation within 30 days of receipt of this letter as required by the FCRA. If this account is not removed, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney general. 

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) To Whom It May Concern, This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I am disputing the accuracy and legal validity of the XXXX XXXX XXXX collection account listed on my Experian credit report. This account is being reported as a collection with a past due amount of {$410.00} and is linked to XXXX XXXXXXXX XXXX XXXX This item is : Unverifiable : I demand a full method of verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

Potentially inaccurate : XXXX is a debt buyer, and the chain of title or contract showing assignment of this debt to them has not been verified. 

Legally deficient : You are reporting a collection item that fails to meet the original creditors data accuracy or account-level detail as required under the XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX ) standards. 

In addition, this debt was previously disputed and continues to be inaccurately reported without full reinvestigation or documentation as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and ( 5 ) ( A ). XXXX XXXX also failed to notify me of my rights under the FDCPA within five days of initial contact, a violation of 15 U.S.C. 1692g ( a ). 

Because this account can not be verified with complete and accurate documentation from the original creditor, and because its continued reporting is damaging and unlawful, I demand that it be immediately and permanently deleted from my Experian credit file. 

Please provide written confirmation within 30 days of receipt of this letter as required by the FCRA. If this account is not removed, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney general. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
Fifth third bank has charged me numerous {$3.00} service fees on a free checking account. Upon asking why and what the service fees are for they could not answer it. They said were sorry for this experience and well look into it. I also have numerous wire transfer fees being taken from the account in the amount of {$15.00} for wire transfers that dont exist

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution 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 explanation
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, Experian, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XXXX XXXX TransUnion XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Debt Validation Account - XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing in response to an account that I noticed on my credit report on XXXX XXXX about an alleged debt that your company claims I owe. Please be advised that this is a formal request for validation of the alleged debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I am requesting the following information : 1. The name and address
of the original creditor.

2. The full amount of the alleged debt, including a breakdown of interest, fees, and other charges.

3. A copy of the original contract or agreement bearing my signature.

4. Proof that your agency is legally authorized to collect this debt in my state.

5. Verification that you are licensed to collect debt in [ Your State ], including your license number and registered agency name. 

Please cease all collection efforts, including reporting to the credit bureaus, until you provide the requested validation. Be advised that failure to provide this information within 30 days of receiving this letter will be considered a violation of the FDCPA. 

This letter is not a refusal to pay, but a request for clarification and proof regarding the debt in question. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
I called XX/XX/XXXX to settle this problem. The person that I spoke with told me that I could not settle this because I needed to wait to receive a response from the law firm. I ask about the original debt amount, an amount of {$2600.00} was given from XXXX. This is a lie. My original debt was possibly {$1200.00}. ( I am currently trying to get the exact amount from XXXX. Once I get that amount I will post it here. ) I asked what is the current amount they are trying to get from me now and the lady mentioned that it was almost {$5000.00}. I was so outraged that by this amount that I did not write down the exact amount. 

This law firm sent me a letter saying that I owe approximately {$3500.00}. This law firm is hiding behind having a judge that signs documents they are not reading and just signing. Something needs to be done about this injustice. What does this mean? Will they keep coming after me to say I owe more and more money and there will be no end. 

I asked this law firm to send me an email with what we discussed during the call and the person told me that they do not send an email with the transcripts of the call. I wanted something in writing where it says that they would not settle with me until they send out there response by mail. That was not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-18 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: SC

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC
State: TN

Complaint narrative:
In XX/XX/XXXX, I took out a loan from OppLoans with an original balance of approximately {$600.00}. The account is now reporting as charged off with a balance of {$1400.00}, which is more than double the original amount. I have not received any documentation explaining how this balance increased so significantly. 

In XX/XX/XXXX, the account status was marked as charged off, but the balance continued to update through XX/XX/XXXX. This appears inconsistent and inaccurate. I contacted the company to request a full breakdown and verification of the account, including any fees, interest, or penalties added. As of this complaint, I have received no response or supporting documentation. 

This unverified and inflated charge-off amount is harming my credit report, and I believe OppLoans has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) to ensure accurate and verifiable reporting. 

Because the account remains unverifiable, and the balance and reporting are inaccurate and misleading, I am requesting the complete deletion of this account from my credit reports across all major bureaus.

Company response to consumer: Closed with explanation