vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: MI

Complaint narrative:
To Whom It May Concern, I write with urgency and constitutional clarity regarding the fraudulent and improperly reported accounts listed under my name, specifically : The XXXX account, And three collection accounts associated with the XXXX XXXX XXXX 
Each of these accounts was opened and reported without my authorization, knowledge, or consent. This constitutes a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. These laws are not suggestions. They are statutes written to safeguard consumers from harmespecially from entities that choose to operate with impunity instead of integrity.

Under 15 U.S.C. 1692g ( b ) of the FDCPA, once a dispute and a request for debt validation is submitted, the debt collector must cease collection and provide actual verification of the debtincluding a signed promissory note and itemized statement from the original creditor. I made this request over 60 days ago. As of this writing, neither XXXX nor the XXXX XXXX XXXXXXXXassociated accounts have produced any legally sufficient documentation. The law is clear : if a debt can not be validated, it must not be reported. Yet these accounts remain, unlawfully impacting my consumer report and financial well-being. 

Furthermore, under FCRA 623 ( a ) ( 3 ), data furnishers are required to report accurate and verifiable information. Reporting unverifiable debtsparticularly in the absence of a valid contractis a violation of both FCRA and my fundamental rights.

Let it be known that I have not only disputed these debts, but have done so in good faith, while receiving no lawful response in return. Given the failure to validate within the prescribed legal timeline, I am formally demanding the immediate deletion of all four accounts from my credit report.

If these accounts are not removed forthwith, I reserve the right to seek full legal remedy through federal litigation, including but not limited to damages for negligent or willful noncompliance under 15 U.S.C. 1681n and 1681o. 

As the late XXXX XXXX XXXX once said, Where you see wrong or inequality or injustice, speak out, because this is your country. This is your democracy. I am speaking out nownot only for myself, but in the spirit of every consumer who has been mistreated by institutions that should have known better. 

Respectfully, 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 2025-04-23 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: MI

Complaint narrative:
I am sending to dispute the inclusion of this items on my credit report, as it was opened fraudulently by an individual using my stolen personal information ; pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), I am formally requesting that this item be permanently blocked from my credit file, as I have provided a valid Identity Theft Report and supporting documentation that proves I am not responsible for this items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This formal complaint is filed by XXXX XXXX XXXX, Social Security Number : ( Private SSN ), Date of Birth : ( Private DOB ), to demand the immediate blocking of fraudulent information appearing on my consumer credit report. This action is requested pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), which mandates that you block information resulting from identity theft within XXXX ( XXXX ) business days of receiving this notification. 

The following fraudulent, inaccurate, and false accounts, which are the direct result of identity theft, are currently listed on my consumer credit report : XXXX XXXX XXXXXXXX : Personal Loan, Account Number : ( private ), Opened on XX/XX/year>. 

These fraudulently opened accounts have led to the appearance of several unauthorized and inaccurate accounts and collections on my consumer XXXX credit report, severely damaging my creditworthiness. I have attached a detailed list of these fraudulent entries, along with a copy of my consumer XXXX credit report obtained from Equifax, which clearly highlights these erroneous items. 

I unequivocally state that I do not recognize, authorize, or have any affiliation with the aforementioned accounts or any associated collections. These entries are unequivocally the result of identity theft and fraudulent activity. 

To further substantiate my claim, I have also enclosed a copy of the official Identity Theft Criminal Complaint filed with the XXXX Federal Trade Commission ( FTC ), Case Number : ( private case number ). This document serves as conclusive proof that the disputed information on my credit report is a direct consequence of identity theft. 

Therefore, pursuant to my rights under the FCRA 605B, I demand that the Equifax credit reporting agency immediately block and subsequently remove all the aforementioned fraudulent accounts and any related derogatory items from my consumer credit report within the legally mandated timeframe. Your prompt attention to this urgent matter is crucial to mitigate further damage caused by this identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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 ONE 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 explanation
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX  DateFiled/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This formal complaint is filed by XXXX XXXX XXXX, Social Security Number : ( Private SSN ), Date of Birth : ( Private XXXX ), to demand the immediate blocking of fraudulent information appearing on my consumer credit report. This action is requested pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), which mandates that you block information resulting from identity theft within four ( 4 ) business days of receiving this notification.

The following fraudulent, inaccurate, and false accounts, which are the direct result of identity theft, are currently listed on my consumer credit report : XXXX XXXX XXXX XXXX  : Personal Credit Card, Account Number : ( private ), Opened on XX/XX/year>. 

These fraudulently opened accounts have led to the appearance of several unauthorized and inaccurate accounts and collections on my consumer XXXX credit report, severely damaging my creditworthiness. I have attached a detailed list of these fraudulent entries, along with a copy of my consumer XXXX credit report obtained from Equifax, which clearly highlights these erroneous items. 

I unequivocally state that I do not recognize, authorize, or have any affiliation with the aforementioned accounts or any associated collections. These entries are unequivocally the result of identity theft and fraudulent activity. 

To further substantiate my claim, I have also enclosed a copy of the official Identity Theft Criminal Complaint filed with the XXXX Federal Trade Commission ( FTC ), Case Number : ( private case number ). This document serves as conclusive proof that the disputed information on my credit report is a direct consequence of identity theft. 

Therefore, pursuant to my rights under the FCRA 605B, I demand that the Equifax credit reporting agency immediately block and subsequently remove all the aforementioned fraudulent accounts and any related derogatory items from my consumer credit report within the legally mandated timeframe. Your prompt attention to this urgent matter is crucial to mitigate further damage caused by this identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This CFPB complaint has been filled to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent inaccurate, and false information consist of a auto loan opened. XXXX account is XXXX XXXX auto loan.opened XXXX act XXXX There's also XXXX XXXX credit credit card.opened XXXX act......... XXXX and several inquiries that were the result of fraud. inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX some of these fraudulent accounts resulted in collections radius. 
XXXX XXXX is a company XXXX XXXX XXXX XXXX XXXX XXXX. 
These accounts have resulted in several fraudulent inquiries and collections appearing on my consumer XXXX credit report .l 've included a list of the hard inquiries as well as copies of the consumer FICO credit report maintained. I do not recognize the mentioned accounts, collections, or hard inquiries on my consumer report maintained by me were not opened, made, or initiated by me. all these accounts I've mentioned are a result of fraud and identity theft. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: MD

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 ONE 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 explanation
Consumer complaint received 2025-04-23 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: GA

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 2025-04-23 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: TN

Complaint narrative:
I have a secured card thru my financial institution that is paid every month thru them. My credit score dropped XXXX points with a balance left on my credit report decreasing my score per TransUnion stating this was reported due to having a balance from current still. This is suppose to help you thats the information was updated in wallet and it alerted me that my score had dropped significantly and I needed to work on my credit score and so did current. I should have no balance when paid in full each time. This balance is paid in full each month supposedly on autopay per current services. I have contacted TransUnion and current and TransUnion says the information is correct reported. I have no control over how current reports this credit builder card nor how the credit bureau reports balances. This is very misleading and unethical to the customers that these products are being provided to

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 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IA

Complaint narrative:
I attempted to send money through MoneyGram and was denied without any clear reason. The message I received stated that, for " security reasons, '' I am no longer allowed to send money online, by phone, or in-store. I contacted MoneyGram support to ask why, and I was told I can not make any transactions going forward. However, they did not provide any explanation, nor did they offer a way to verify my identity, correct an error, or appeal the decision. 

I believe this is unfair and possibly discriminatory treatment, especially since I have used their services in good faith and with no intention of violating any policies. I am asking the CFPB to help me obtain a clear explanation of why I was banned and ensure that proper procedures for identity verification and appeals are available to affected customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: MD

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 2025-04-23 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: MD

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 victim 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 605B 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 2025-04-23 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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