vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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:
I am submitting this formal complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically Section XXXXB, which mandates the prompt removal of fraudulent information upon notice of identity theft. 

On XX/XX/year> and uodated XX/XX/year>, I filed an identity theft report with the FTC and subsequently submitted dispute letters to all XXXX  credit reporting agencies, supported by my FTC Identity Theft Report, documentation, and a detailed list of fraudulent items. According to FCRA XXXX, the agencies are legally required to block and remove fraudulent information within XXXX business days. It has now been over XXXX  days, and the following harmful items remain on my credit reports : TransUnion continues to report a XXXX  XXXX Bankruptcy that I did not file. 

Experian is reporting multiple unauthorized inquiries and collections that are not mine. 

Equifax is listing unauthorized accounts and collections, also tied to identity theft. 

All XXXX bureaus have failed to properly update student loan information, despite receiving direct documentation from the loan servicer. 

I have made numerous phone calls and submitted follow-up documentation during this XXXXday period. However, no appropriate action has been taken, and I am still suffering negative financial consequences as a result of these inaccuracies. This is a clear violation of FCRA Section XXXXB and my consumer rights.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: IL

Complaint narrative:
This is a formal and final request for urgent intervention regarding fraudulent and unauthorized accounts appearing on my credit report accounts that were opened without my knowledge, consent, or authorization. 

Despite submitting identity theft documentation and initiating disputes in accordance with the Fair Credit Reporting Act ( FCRA ), these accounts continue to be reported by furnishers and credit bureaus. This violates my rights under the following federal laws and compliance frameworks : - * * FCRA 605B * * Right to block information resulting from identity theft upon submission of proper documentation. 
- * * FCRA 1681i * * Reinvestigation of disputed information must be timely, complete, and based on verifiable data.

- * * FCRA 1681s-2 ( b ) * * Duty of data furnishers to conduct proper investigations and correct or delete inaccurate data.

- * * FACTA * * My identity theft affidavit triggers additional obligations to block and cease reporting fraudulent items. 
- * * Metro 2 Compliance Guidelines * * Information that can not be verified must be removed ; reinsertion is prohibited without certification of accuracy. 

XXXX  has already removed this account from my report, validating its fraudulent nature. The continued reporting by other agencies and XXXX XXXX or any other furnisher, without lawful verification, is not only negligent but willful noncompliance. 

Let this serve as a demand not a request for immediate and permanent deletion of the fraudulent account ( s ). Any further delay, negligence, or refusal to correct this matter will be construed as intentional harm and a direct violation of federal consumer protection laws. 

If this account is not deleted, I will pursue legal action for damages under FCRA 1681n and 1681o, and submit formal complaints to the FTC, XXXX, State Attorney General, and other regulatory agencies. I expect full compliance without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-06 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I reviewed my credit report on XX/XX/year>, and identified several accounts that appear to contain inaccurate, outdated, or unverifiable information. Please investigate and validate the following entries. If any of these accounts can not be verified with proper documentation, I request that they be immediately deleted and my credit report updated accordingly, as required under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Dear TransUnion, I am contacting you to formally dispute and request the deletion of unauthorized inquiries appearing on my TransUnion credit report. The following inquiries were not initiated by me, and I did not provide authorization for these parties to access my credit file : - XXXX FCU XX/XX/XXXX - XXXXXXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( f ), a credit report may only be accessed by a third party when there is a permissible purpose and proper authorization. Additionally, 15 U.S.C. 1681q prohibits the acquisition of consumer report information under false pretenses. I have no records of applying for credit, services, or loans with these entities on or near the dates of these inquiries, and therefore I did not authorize these pulls. 

If these inquiries were made without proper consent or legal purpose, they are not only inaccurate, but also constitute a violation of federal law. As the consumer reporting agency publishing this data, TransUnion is obligated to ensure the accuracy and legitimacy of all information that appears on my credit report. 
Please remove these inquiries from my file immediately. This is not a request for reinvestigation but a demand for deletion, as there is no permissible purpose for these entries to remain. 

Thank you for your cooperation. 

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 2025-05-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I am filing this complaint because Fair Collections & Outsourcing ( FCO ) has failed to provide proper debt validation within the legally required timeframe under the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/XXXX, I mailed a certified dispute letter requesting full validation of an alleged {$13000.00} debt tied to XXXX XXXX ( XXXX XXXX ) for apartment XXXX XXXX. The letter included evidence that I have not resided at that address since XXXX and requested proof of a lease renewal, which I never signed. FCO claims I signed a XXXX lease, which I dispute and requested a wet signature as verification. 

As of today, it has been over 15 business days, and I have received no response. I have proof of delivery via certified mail. FCO continues to pursue this collection without providing the legally required documentation. This is a violation of FDCPA 15 U.S.C. 1692g ( b ), and I am requesting the CFPB investigate and require FCO to cease collection and remove any related records from any reporting systems.

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 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I called Wells Fargo Claims department immediately after I deposited {$170.00} into Wells Fargo ATM. Machine went into SCAN mode for about five or six minutes, after which time the machine displayed ATM OUT OF SERVICE and then displayed TRANSACTION CAN NOT BE COMPLETED. At that point my Wells Fargo ATM/DEBIT CARD was returned to me. However, the {$170.00} CASH I had put into the opened right door was NOT returned 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
Consumer complaint received 2025-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX Re : Demand for Immediate Deletion of Erroneous Charge-Off Account # To Whom It May Concern : This letter serves as formal notice that I dispute the validity and accuracy of the alleged debt associated with the account opened in XX/XX/XXXX, with an alleged balance of {$890.00}, which has been reported as a charge-off. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am asserting my rights under the following provisions : 15 U.S. Code 1692a Definitions 15 U.S. Code 1692k Civil Liability 15 U.S. Code 1640 Civil Liability ( Truth in Lending Act ) 15 U.S. Code 1681 ( a ) ( 1 ) Right to fair and accurate reporting 15 U.S. Code 1681 ( a ) ( 4 ) Protection from misuse of credit reports 15 U.S. Code 1692a ( 5 ) Definitions including debt 15 U.S. Code 228 ( This appears to be a misreference ; possibly intended to reinforce above rights ) Under the law, you are required to report only accurate, timely, and verifiable information to the credit bureaus. If you can not provide a signed contract and verifiable validation of this alleged debt, then you are in violation of federal law by reporting it. Moreover, the reporting of inaccurate or unverifiable information damages my reputation and financial standing, and it is causing measurable harm.

Accordingly, I demand that you : 1. Immediately delete the above-referenced account from any and all credit reporting agencies ( Equifax, Experian, TransUnion ) XXXX 
XXXX. Provide written confirmation that this item has been permanently deleted. 

If this demand is not fully satisfied within 15 calendar days, I will initiate a legally binding arbitration proceeding under the applicable consumer protection laws and seek statutory damages, actual damages, legal fees, and injunctive relief. 

Additionally, a copy of this letter is being sent to all three major credit bureaus with a formal dispute. 

Credit Bureau Addresses XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX You are now on formal notice. Govern yourself accordingly. 

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 2025-05-06 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX Re : Demand for Immediate Deletion of Erroneous Charge-Off Account XXXX  To Whom It May Concern : This letter serves as formal notice that I dispute the validity and accuracy of the alleged debt associated with the account opened in XX/XX/XXXX, with an alleged balance of {$890.00}, which has been reported as a charge-off. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am asserting my rights under the following provisions : 15 U.S. Code 1692a Definitions 15 U.S. Code 1692k Civil Liability 15 U.S. Code 1640 Civil Liability ( Truth in Lending Act ) 15 U.S. Code 1681 ( a ) ( 1 ) Right to fair and accurate reporting 15 U.S. Code 1681 ( a ) ( 4 ) Protection from misuse of credit reports 15 U.S. Code 1692a ( 5 ) Definitions including debt 15 U.S. Code 228 ( This appears to be a misreference ; possibly intended to reinforce above rights ) Under the law, you are required to report only accurate, timely, and verifiable information to the credit bureaus. If you can not provide a signed contract and verifiable validation of this alleged debt, then you are in violation of federal law by reporting it. Moreover, the reporting of inaccurate or unverifiable information damages my reputation and financial standing, and it is causing measurable harm. 

Accordingly, I demand that you : XXXX. Immediately delete the above-referenced account from any and all credit reporting agencies ( Equifax, Experian, TransUnion ) XXXX 
XXXX. Provide written confirmation that this item has been permanently deleted. 

If this demand is not fully satisfied within 15 calendar days, I will initiate a legally binding arbitration proceeding under the applicable consumer protection laws and seek statutory damages, actual damages, legal fees, and injunctive relief. 

Additionally, a copy of this letter is being sent to all three major credit bureaus with a formal dispute. 

Credit Bureau Addresses : Experian XXXX. XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX You are now on formal notice. Govern yourself accordingly. 

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-06 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:
Ive reviewed my credit report and found an account that I do not recognize and have never been associated with. This account is completely unknown to me, and I have no idea why its showing up on my file. Its clear that this is a case of mixed or incorrect data, and it does not belong on my report. Whether its due to a reporting error, a misidentification, or incorrect linking of someone elses information to mine, it needs to be addressed now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: AL

Complaint narrative:
Contacted Jefferson Capital regarding the collection on my credit report. I explained to them that the debt was showing 3 different balances on XXXX, XXXX and XXXX. I requested a debt validation letter that contained the original contract. Customer service representative stated that the letter would be sent via email on XX/XX/year>. I never received the debt validation email, I then spoke with them again on XX/XX/year>, XX/XX/year> and XX/XX/year> requesting the validation letter. Representative explained that they were having trouble sending information to XXXX accounts.

Company response to consumer: Closed with explanation