vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-11 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: NV

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 XXXX 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 XXXX of the Fair Credit Reporting Act.

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 2025-05-11 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: WA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: WA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
CFPB Complaint filed on XX/XX/year> My identity was used to obtain utility accounts, an apartment, and I believe funding for housing in my name in the XXXX area. 

The companies that allowed the fraud, dates accounts were opened and debt XXXX : XXXX XXXX ( apartment ) account opened XXXX Rentdebt Automated Collections balance owed on this account is {$10000.00}. 

I do not live in the XXXX area and have not for XXXX  years, and no longer have any family or friends there- we literally have to that area. I can not tell you the last time I stepped foot in XXXX or the surrounding area. I am XXXX XXXX wife, mother, and grand mother living in XXXX, XXXX  with my husband XXXX for almost XXXX  XXXX. These companies were allowed to open accounts in my name without proper verification of who I was and I am not happy about it. When you contact the companies, you get the run around and they say the debt has been sold and when you contact the debt XXXX they won't listen and try to make things almost impossible for me to correct fraud they are now supporting- they want to collect the debt. I am a XXXX  year-old woman and I do not understand why I would need to file a police report for these things I wasn't even aware of years later. I think my sheriff 's office would think I was losing it if I came in and asked to file a police report for something that occurred in XXXX area XXXX ago that I wasn't even aware of and is not within their jurisdiction. I shouldn't have to prove a negative, but I am willing to sign affidavits and provide my energy providers, and proof of residency and home ownership. 

My daughter called and spoke to the apartment complex- XXXX and they were not helpful so, she called the debt collections company and they were not helpful either and wanted us to provide a police report which is absurd. They were not helpful at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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 am writing to formally request the removal of an account reported by XXXX, which was listed as a closed account with a {$0.00} balance, from my credit report. I disputed this account with XXXX, and their investigation was completed on XX/XX/year>. As a result of the investigation, XXXX deleted the account from my credit report. This action confirms that the information is unverifiable, and your agency is now required to delete the account in compliance with federal law. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies are mandated to ensure that all information they report is accurate, complete, and verifiable. Since XXXX has determined that this account can not be verified and removed it from my credit report, it is your legal obligation to do the same. 
Furthermore, FCRA 609 and 611 state that unverifiable accounts must be removed within 30 days of a dispute. Therefore, I request that you promptly investigate and remove this account from my credit report within the legally required timeframe.

If you fail to remove this unverifiable account, I must inform you that FCRA 616 and 617 provide consumers with the right to take legal action against credit reporting agencies for non-compliance. Legal remedies may include suing for damages caused by the failure to ensure accurate reporting and failure to delete unverifiable accounts. 
For your reference, I have attached a copy of my XXXX credit report confirming the deletion of this account. Please confirm in writing once the account has been removed, or provide any documentation verifying its accuracy if you choose not to delete it. 
If this matter is not resolved within 30 days, I will escalate my concerns by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may explore additional legal remedies to protect my rights as a consumer. 
Thank you for your attention to this matter. I look forward to your prompt response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was scammed through what I thought was an off brand site from XXXX XXXX due to me having trouble booking with XXXX in general. A message came through from a host with the exact same XXXX XXXX that I was looking at on the site. They were convincing as I had thought XXXX XXXX was really private with their security. And on XXXX, XXXX, XXXX I sent payments of, {$50.00}, {$300.00}, and {$500.00} respectively for a total of {$850.00}. The host, who seemed to represent a company called XXXX XXXX, then blocked me, texted from a new number asking for {$50.00} more which I did not send, I called the real XXXX XXXX and they told me I was being scammed. I immediately called Wells Fargo and the Arizona police department to fill out a fraud dispute and police report respectively. The police report is : XXXX, XXXX XXXX badge # XXXX, Title : Fraudulent Schemes. All I ask if for my {$850.00} because the way I got scammed was absolutely inhumane. I have all the texts to prove it.

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 2025-05-11 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXXXXXX XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$30000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-05-11 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 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 2025-05-11 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: GA

Complaint narrative:
I submitted a dispute on XXXX XXXX, the dispute was approved and my score was corrected. Now the same thing I disputed is reappearing on my credit report.

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 2025-05-11 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: FL

Complaint narrative:
Whom It May Concern, I am writing to formally dispute two late payments that appear on my consumer credit report associated with the following account : Account Name : XXXXXXXX XXXX OPEN DATE XX/XX/year> Upon reviewing my credit file, I noticed these reported late payments ; however, I can confirm that I have never made a late payment on this account. I have consistently paid this account on time and have records to verify my payment history. As outlined under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies and data furnishers are required to ensure that all information reported is accurate and complete. I am requesting a thorough investigation into this matter and that you provide documented proofsuch as billing statements or payment recordsshowing that I was indeed late on the reported dates. If you are unable to substantiate the claim with sufficient evidence, I respectfully demand that these incorrect late payments be removed or updated to reflect an on-time payment status immediately, as accuracy in consumer reporting is not only your responsibility but a legal obligation. Please confirm in writing that you have received this dispute and provide the results of your investigation within 30 days as required by the FCRA. Thank you for your attention to this matter. I look forward to your prompt resolution. 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 2025-05-11 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: PNC Bank N.A.
State: GA

Complaint narrative:
XX/XX/year> PNC BANK XXXX XXXX XXXX XXXX, MI XXXX Account Number : XXXX XXXX # : XXXX To Whom It May Concern : I am writing regarding the above-referenced account that you have reported to the credit reporting agencies. Upon review of my credit report, I have discovered that you are inaccurately updating this account on a monthly basis and have placed remarks on my credit report that are inconsistent with your other actions regarding this debt. 

It has come to my attention that this account has been deemed a profit loss and has been reported as such to the Internal Revenue Service ( IRS ). However, you continue to report this account as [ current status they're reporting ] to the credit bureaus. 

This dual reporting practice is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : 1. 15 U.S.C. 1681s-2, which requires furnishers of information to credit reporting agencies to provide accurate information and to correct inaccurate information.

2. 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. 

Under the law, if you have reported this debt as a loss to the IRS for tax purposes, you can not simultaneously continue to report it as a collectible debt to the credit bureaus. This inconsistent reporting misrepresents the true status of the account and damages my credit profile. 

I hereby demand that you : 1. Cease reporting this account to the credit bureaus immediately 2. Remove all previously reported information regarding this account from my credit reports 3. Provide written confirmation within 30 days that these actions have been completed Please be advised that failure to comply with this request may result in further legal action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing damages under the FCRA. 

I expect your prompt attention to this matter and look forward to your written response confirming that the requested corrections have been made. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: NV

Complaint narrative:
I submitted a formal dispute letter by certified mail ( tracking # XXXX ) to Equifax Information Services LLC. I sent them a copy of my valid social security card, rental lease agreement and drivers license. Equifax mailed me a letter requesting Identity and current address. The documents they are requesting in order to process my request, have already been sent to them. This is an illegal tactic to delay and cancel my credit dispute. Continuing to ignore or delay my dispute by requesting the same documentation repeatedly is a violation of federal law. If you fail to properly investigate and respond within the timeframes outlined by the FCRA, I will pursue the matter through my state attorney general and civil litigation. I have attached the letter from Equifax as well as the certified mail tracking receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: FL

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 2025-05-11 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: FL

Complaint narrative:
At first i was disputing, some accounts errors, that i will show below as proof, like open dates a last reported dates wrong between the credit bureaus. By law im able to dispute this and it must be fixed. All they did was, was confirm with the lenders and update information. Which by law of some info is wrong i must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: FL

Complaint narrative:
At first i was disputing, some accounts errors, that i will show below as proof, like open dates a last reported dates wrong between the credit bureaus. By law im able to dispute this and it must be fixed. All they did was, was confirm with the lenders and update information. Which by law of some info is wrong i must be deleted.

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 2025-05-11 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: MO

Complaint narrative:
Experian, Equifax, and Transunion did not properly investigate accounts that I disputed with them. They are all in violation of codes : 15USC1681IA1, 15USC1681IA6B3, 15USC1681IA5B, 15USC1666B, and 15USC6802

Company response to consumer: Closed with explanation