vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 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:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXXXXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-03-01 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: NV

Complaint narrative:
This letter addresses disputed accounts on XXXX XXXX XXXX credit report, emphasizing legal violations under the FCRA and US commercial codes. The letter highlights that unauthorized accounts have been reported without written consent, violating consumer rights. Key points include : Disputed Accounts : Multiple accounts are contested for inaccuracies, including : 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 XXXXXXXX ) Inaccurate Information : XXXX XXXX XXXX received a letter from TransUnion on XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXXXXXX, containing inaccurate and unauthorized information on her credit file. This document is being used as evidence to support the demand for correction and deletion. 

Legal Violations : 18 USC 1028A : Knowingly transferring, possessing, or using information without lawful authority.

15 USC 1681b : Lack of written instruction to add information to the credit file. 
FCRA ( Fair Credit Reporting Act ) Compliance : Demand for investigation under maximum possible accuracy standards and for the removal of inaccurate or unauthorized information. 
Demand for Action : The letter demands immediate reinvestigation of these accounts within 30 days and requests permanent removal of all erroneous entries to improve the credit report. A CFPB complaint is filed to ensure accountability and a formal resolution. 

Supporting Documentation : The letter references previous complaints, official dispute records, and applicable laws, such as the XXXX XXXX TransUnion XXXX case, emphasizing the failure of data furnishers to verify the disputed information. 

Resolution Request : Permanent deletion of inaccurate, incomplete, or unfounded information that hinders XXXX XXXX XXXX credit score and financial standing.

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 2025-03-01 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX United States Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Consumer Financial Protection Bureau , I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the Inaccurate Information being report : 1. 
Under the FCRA, you are required to : Conduct a proper investigation into my dispute. 
Inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 
If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 
Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 
Thank you for addressing this matter promptly. I look forward to your response within the legally mandated XXXX day timeframe. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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:
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX United States Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Consumer Financial Protection Bureau , I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the Inaccurate Information being report : 1. 
Under the FCRA, you are required to : Conduct a proper investigation into my dispute. 
Inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 
If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 
Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 
Thank you for addressing this matter promptly. I look forward to your response within the legally mandated XXXX day timeframe. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
I have accounts that were settled and paid. I had a credit payment history of 100 %. I checked today, and now, all of a sudden, my history dropped down and shows late payments on accounts that are paid and closed. The agreement from previously was to update all history to not be late. It was done but now all of a sudden years later, it has changed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have accounts that were settled and paid. I had a credit payment history of 100 %. I checked today, and now, all of a sudden, my history dropped down and shows late payments on accounts that are paid and closed. The agreement from previously was to update all history to not be late. It was done but now all of a sudden years later, it has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
FIRST WHEN I WENT TO GET A TRUCK IN MY NAME I WAS ASKED IF SOMETHING EVER WAS TO HAPPEN TO ME IF I WAS WILLING TO LEAVE EVERYTHING TO MY HUSBAND.

SECOND I WENT TO A CREDIT UNION AND THE BANKER STOLE MY TWO YOUNGEST CHILDREN MEDICAL CARD AKA INSURANCE CARD.

THIRD WELLS FARGO BANK TOLD ME THAT I SIGHED OVER EVERYTHING TO MY HUSBAND WHO ABANDONED ME. AND THAT I HAVE NO CONTROL OVER MY FATHERS LIFE POLICY.

FOURTH BACK IN 2021 I FILLED A LAWSUIT WITH THE STATE, I SIGNED PAPERWORK WITH A PARALEGAL WHO I KNOW IS HIDDING MONEY OR SOME SORT OR ASSETS. I NEVER GET TO SPEEK ON BE HALF OF HOW ITS AFFECTED MY MENTAL WELL-BEING. IM TOLD TO CONTACT MY SOCIAL WORKER. FROM THE LAST TIME I CHECKED I NEVER HAD ANY MENTAL DISABILITY.

Fith I was told that I have a dishonorable check at DMV/ DOL. I'm tired of my civil, federal, due processing rights being violated to the maximum extent even as a formal foster child. My federal sealed records was open when never directed. I gave no permission nor was advised. That records was going to be destroyed for personal gain or losses. I do believe I had a good significant amount. That I want compensated and returned.

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 2025-03-01 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:
Kindly block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not create or authorize these accounts and am unaware of their origins. In accordance with USC 1681g, I formally request their removal within 15 days. Enclosed are supporting documents for your review.

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 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My complaint is about a data breach. My information has been compromised is not one, but multiple data breaches over the past 5-6 years. May information has been compromised in data breaches with the following companies : XXXX XXXX XXXX XXXX over 3-4 times over the past 5-6 years, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, amongst others over the last couple of years. The information accessed included my full name, medical record number, date of birth, address, telephone numbers, email address, demographic information, driver 's license, social security number, debit card, medical insurance information, etc. My full identity has been broadcasted for someone else to take claim. Someone was also able to file unemployment benefits under my information as well while I was employed for XXXX XXXX XXXX XXXX XXXX Both my personal and financial information was compromised just by either being an employee of XXXX or having someone illegally using my information. I have only received an email while employed by XXXX once about a data breach. Every other time I found out through the news about other companies like XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Management Services, LP
State: FL

Complaint narrative:
I receive multiple calls from Capital Management Services , LP regarding an alleged debt owed to XXXX, in the amount of {$2000.00}. I made multiple attempts to set up an online account to set up a payment arrangement but it never worked. I called the agency the reps do not really know what is going on. I wrote them on XXXX XXXX, 2025 and requested complete verification of the debt, including documentation showing that this debt is actually mine, not just my name and an account number. As of today, XX/XX/XXXX/25 the only thing they sent me was settlement offer for {$860.00} which is a common tactic when they can't verify a debt. I want to file a complaint and need help to have this removed from my credit report please.

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 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
Someone transferred {$1000.00} out of my account and the banks keep telling its no error and I have a police report for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Good morning, My name is XXXX XXXX. On XX/XX/XXXX, I was a victim of Identity theft. The thieves hacked into my email and even broke into my car to be able to get my debit card.

When I noticed unauthorized charges on my chase checking account, I immediately contacted chase to make a claim. Unfortunately, Chase only investigated my claim for two days and denied it. I think that's completely unfair. 
I offered to show all the documentation that proves that I was a victim and that I didn't make those transaction. 

Chase doesn't listen and has completely denied my claim. 

Can you please have them throughly investigate? The FDIC insures that I am not responsible for transaction and didn't make and this is really unfair. I am going to attach the letter they sent me denying my claim. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/2025 I added money from my PNC bank to my XXXX XXXX. It went through once it went through I transferred the funds to my XXXX XXXX XXXX from XXXX XXXX. The next day XXXX XXXX sent the funds back to PNC. Once that took place I proceeded to just XXXX the money instead from PNC to XXXX XXXX. The money was sent to XXXX and went to XXXX XXXX. The next day my PNC account was overdrawn for the amount

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: VA

Complaint narrative:
I DID NOT RECEIVE THE CHAIN OF ASSIGNMENT XXXX FOR VALIDATION OF DEBT. from XXXX XXXX XXXX XXXXAccount number XXXX balance {$1300.00} as Date opened XX/XX/XXXX, A BILL AND ADDRESS OR NOT PROVE VALIDATION OF DEBT ALSO CHARGE OFF SHOULD NOT BE REPORTING A BALANCE 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 2025-03-01 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: VA

Complaint narrative:
I DID NOT RECEIVE THE CHAIN OF ASSIGNMENT VA FOR VALIDATION OF DEBT. from XXXX XXXX XXXX XXXXAccount number XXXX balance {$1300.00} as Date openedXX/XX/XXXX, A BILL AND ADDRESS OR NOT PROVE VALIDATION OF DEBT ALSO CHARGE OFF SHOULD NOT BE REPORTING A BALANCE 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 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nj XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXXXX, SC XXXX RE : Dispute of Alleged Debt under Consumer Protection Laws Account/Reference Number : XXXX... 

To Whom It May Concern, This letter serves as a formal notice that I dispute the validity of the debt referenced above. I am exercising my rights under the following federal consumer protection laws : 1. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) Under the FDCPA, I have the right to request verification of the alleged debt. I hereby demand that you provide written validation of the debt, including the original creditor, itemized breakdown of the amount, and proof that I am legally responsible for it.

2. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) If this debt has been reported to any consumer reporting agencies, I request an immediate investigation and removal of any inaccurate or unverifiable information from my credit report.

3. Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 ) If this debt arises from a credit account, provide complete disclosure of all terms, conditions, and finance charges that support the alleged debt.

4. Consumer Financial Protection Bureau ( CFPB ) Regulations As per CFPB guidelines, I am entitled to clear and accurate information regarding any debts claimed against me.

I request that all future communication regarding this matter be conducted in writing. Additionally, I instruct you to cease and desist any harassing or threatening communication in compliance with the FDCPA.

If you can not provide sufficient proof of the alleged debt, you are required to remove all negative information from my credit report and cease collection activities immediately.

Failure to comply with this request may result in me filing a formal complaint with the Consumer Financial Protection Bureau, my state Attorney Generals office, and other appropriate authorities. 

Please respond to this letter within 30 days of receipt. Send all documentation to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation