vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX - Balance : {$550.00} - Account # : XXXX XXXX XXXX - Balance : {$0.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX, XXXX XXXX, XXXX XXXX  Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-06-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX - Balance : {$550.00} - Account # : XXXX XXXX XXXX - Balance : {$0.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX, XXXX XXXX, XXXX XXXX  Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CDI Affiliated Services, Inc.
State: ID

Complaint narrative:
I was contacted by a debt collector regarding a medical debt. I replied with a dispute letter requesting more information. 
In response I received only a detailed billing statement showing the exact procedures I had undergone and I believe this violates my rights under HIPAA as I have never given my permission for any such disclosures to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with Professional Debt, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-06-12 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/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 2025-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
I requested the original debter and they said no that I had to deal withb them because they bought the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: AZ

Complaint narrative:
Subject : Identity Theft Formal Dispute and Request to Block Fraudulent Accounts under FCRA 605B ( 15 U.S.C. 1681c-2 ) I am formally disputing and requesting the immediate blocking of fraudulent information currently reported on my TransUnion credit file, pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b ( a ) ( 2 ).

Under federal law, consumer reporting agencies may only furnish consumer reports for certain permissible purposes. I did not authorize these accounts, nor was I provided proper notification or the ability to opt out, constituting a direct violation of 15 U.S.C. 1681a ( 4 ). The presence of this information on my credit file infringes on my privacy and is unlawful without my consent.

Furthermore, under 15 U.S.C. 1681c-2, a consumer reporting agency must block any item of information identified as resulting from identity theft within XXXX business days of receiving an identity theft report. I have attached my FTC Identity Theft Report ( Report Number : XXXX ) in support of this request. 

Fraudulent Accounts to Be Blocked from TransUnion Report : XXXX Account # : XXXX * * * * * * * Balance : {$5500.00} Date Opened : XX/XX/XXXX Status : Collection/Chargeoff Placed for Collection Creditor : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX Account # : XXXX * * * * * * * * * * Balance : {$1100.00} Date Opened : XX/XX/XXXX Status : Collection/Chargeoff Placed for Collection Original Creditor : XXXX XXXX XXXX Last Verified : XX/XX/XXXX These accounts were not authorized by me and are the result of identity theft. The continued reporting of these derogatory accounts is materially harmful and violates my rights under FCRA. I have not received any legally required documentation or validation under 15 U.S.C. 1681g ( 609 ) or 1681i ( 611 ) despite prior requests.

Resolution Requested : Immediately block and suppress the above-listed accounts from my TransUnion credit report under FCRA 605B .

Provide written confirmation that these items have been blocked within 4 business days, as required by law.

Failure to comply may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and legal action under FCRA XXXX for willful noncompliance. 

Thank you for your urgent attention to this matter.

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 2025-06-12 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: AZ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from 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 2025-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I found out I had been a victim of a scam and fraud and contacted my bank, Wells Fargo, to freeze the transactions which were wire transfers. This was within hours of finding out it was a scam. I was told by the person on the phone that Wells had frozen the wire transfer and I would need to await their investigation. That was XXXX. Today XX/XX/year> I received a letter from Wells stating the case was closed and no remittance would be given. I called the number on the letter and was advised by Wells ' fraud dept that because the funds were withdrawn from the account nothing further can be done. When I referred to the call about freezing the funds I was told Wells can't freeze wire transfers and that because the money was removed from the account there would be nothing more for them to do.

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 2025-06-12 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:
All three major credit reporting agenciesXXXX XXXX  and TransUnionare currently reporting a charge-off account associated with XXXX XXXX XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX  ), opened on XX/XX/year>, with a charged-off balance of {$25000.00}. I dispute the accuracy, completeness, and legal verifiability of this account as it is currently reported. 

To date, I have not received any original documentation that establishes a clear and verifiable basis for this charge-off. I have not been provided with a signed contract, a complete payment history, or a charge-off statement substantiating how the {$25000.00} figure was calculated or validated. Without such foundational evidence, the presence of this entry on all three of my credit reports is both harmful and unjustified. It reflects a derogatory status tied to a large balance that, absent proper verification, may be the result of misattributed debt, reporting error, or a failure by the data furnisher to comply with federal requirements for furnishing accurate credit information.

XXXX XXXX, and TransUnion are all subject to the provisions of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681e ( b ), they are obligated to maintain procedures that ensure the maximum possible accuracy of the information included in a consumers file. Once a consumer initiates a dispute, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires the credit bureaus to conduct a reasonable reinvestigation. If the disputed information can not be verified, corrected, or documented with evidence, then it must be promptly deleted under 15 U.S.C. 1681i ( a ) ( 5 ). 

The continued reporting of this XXXX XXXX XXXX charge-offespecially with such a significant balance and without documented verificationconstitutes a violation of these statutory obligations. This entry misrepresents my financial standing and creditworthiness and creates substantial and unjust damage to my credit profile across all three bureaus.

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 2025-06-12 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:
I am formally filing a complaint regarding fraudulent and inaccurate collection accounts that are being reported on my credit files by Equifax, Experian, and TransUnion. These collections are the direct result of identity theft, and I have never opened or authorized the accounts in question. 
These inaccurate entries are causing serious harm to my credit profile, reputation, and financial wellbeing. They are also a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Fraudulent Collection Accounts to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} -XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX {$1600.00} I am demanding the immediate removal and permanent blocking of these accounts under 15 U.S.C. 1681c-2, which states that consumer reporting agencies must block any information resulting from identity theft once the consumer provides proper documentation.

In addition, under 15 U.S.C. 1681i, I am entitled to a reinvestigation of any inaccurate information, and if it can not be verified, it must be deleted from my credit file.

Legal Basis : 15 U.S.C. 1681b ( f ) prohibits the use or furnishing of a credit report without a permissible purpose.

15 U.S.C. 1681c-2 mandates the blocking of information resulting from identity theft once the consumer disputes it and provides proof.

15 U.S.C. 1681i requires consumer reporting agencies to conduct a timely and complete reinvestigation and delete unverifiable or inaccurate information.

I Am Demanding : Immediate deletion and permanent blocking of all fraudulent collection accounts from all credit reports ; A full reinvestigation as required by federal law ; Written confirmation of the results and removal of these items ; That no further verification or reinsertion of these fraudulent collections occur without full compliance with FCRA 1681i ( a ) ( 5 ) ( B ).

Enclosed Documentation : A copy of my government-issued photo ID Proof of current address A signed FTC Identity Theft Report These entries are false, fraudulent, and damaging, and I will not tolerate their continued reporting. Failure to act in compliance with federal law may result in formal complaints to the Federal Trade Commission, my State Attorney General, and consideration of civil action for statutory damages under the FCRA.

I expect a full and immediate resolution of this matter and written confirmation that these fraudulent collections have been removed from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: NY

Complaint narrative:
I am formally requesting that the unauthorized accounts be blocked and removed from my credit report at your earliest convenience. I did not create or authorize these accounts, and I am unfamiliar with their origins. As stated in USC 1681g, I ask that they be removed within 15 days. Please review the enclosed documentation. Also, the account details being reported differ among the credit bureaus and contain inaccuracies.

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 2025-06-12 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: CO

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-06-12 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: CO

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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:
Summary of Complaint Experian Case # XXXX I am filing this complaint due to Experians failure to resolve a serious issue involving possible identity theft, which has prevented me from unfreezing my credit and is now jeopardizing my ability to secure a home loan.

Timeline of Events & Issues : XX/XX/year> : I contacted Experian regarding unauthorized changes to my account. It appeared that the phone number and email address linked to my profile had been changed without my consent, as well as potentially changes in my date of birth, which resulted in me being locked out of my Experian account. I suspect this may be due to identity theft. 

XX/XX/year> : Experian responded requesting the following to verify my identity : Government-issued ID with current address Proof of current address ( utility bill or bank statement ) Copy of Social Security card Cover letter referencing Case # XXXX and a description of the issue XXXX XXXX XXXX  : I faxed all requested documents to ( XXXX ) XXXX XX/XX/XXXX XX/XX/year> : I called multiple Experian support numbers ( XXXX, XXXX and XXXX ) many times, attempting to reach a live representative. I was never able to speak to a human, and I received no confirmation that my documents were received or processed. 

I had to rely on Equifax to place the credit freeze on Experians behalf, as Experians systems were completely inaccessible to me. 

XX/XX/year> : I sent multiple follow-up emails and notified Experian that I would be filing a formal complaint with the CFPB if there was no resolution within 3 business days. Still, no response or action has been taken. 

Ongoing Problems : I remain locked out of my Experian account. 

The security freeze on my credit file is still in place, blocking my mortgage lender from moving forward. 

Experian has been completely unreachable despite dozens of calls, faxes, and emails. 

This issue is occurring during a critical time as I am in the middle of a time-sensitive mortgage application. 

There are serious concerns of identity theft, yet Experian has not taken action to secure or restore my account. 

The lack of support, communication, and accountability from Experian is causing financial and emotional distress.

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