vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to reemove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remainng showing on my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$19000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: GA

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to reemove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remainng showing on my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$19000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} 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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I looked at my XXXX  inquiries today a I know I should have XXXX on there but I noticed I have XXXX in there XXXX from on banking company called XXXX  and the other on is capital one I am not financing nothing trough XXXX  and I dont have any XXXX  card with capital one so I would like for those to be removed XXXX  XXXX XXXX that they can not removed it due to how long it been since it gotten on my credit report and said I should try you guys

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-03 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:
Please see supporting documentation pertaining to EQUIFAX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: OH

Complaint narrative:
XX/XX/year> These items reporting on my credit report is also past the 7 year statue of reporting and thus needs to be removed. 

None of the illegal accounts/INQUIRIES below is tied to any of my address which is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, they were all illegally opened. By FTC and FCRA these ACCOUNTS MUST BE REMOVED WITHIN 30 DAYS OF RECEIPT OF NOTICE Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX XXXX XXXX  These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX XXXX XXXX I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX  Transunion, and XXXX report. 

These addresses nor accounts are tied mXXXX XXXX report and these illegal items needs to be removed Immediately. This is seriously causing a delinquency on my score. These accounts are not listed on my ADDRESS ON MY XXXX AND NEEDS TO BE REMOVED ASAP! 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX XXXX XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

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 2025-07-03 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: OH

Complaint narrative:
XX/XX/year> These items reporting on my credit report is also past the 7 year statue of reporting and thus needs to be removed. 

None of the illegal accounts/INQUIRIES below is tied to any of my addresses, they were all illegally opened. By FTC and FCRA these ACCOUNTS MUST BE REMOVED WITHIN 30 DAYS OF RECEIPT OF NOTICE Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX  . These accounts needs to be removed immediately.

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX  as stated on my credit report. All of these items are fraudulent and needs to be immediately removed!

MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP!

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX  report.

These addresses nor accounts are tied my Equifax report and these illegal items needs to be removed Immediately. This is seriously causing a delinquency on my score. These accounts are not listed on my ADDRESS ON MY EQUIFAX AND NEEDS TO BE REMOVED ASAP! 

My address is XXXX XXXX XXXX XXXX, OH Remove all negative fraudulent items not associated with me! 



Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX  stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These accounts and Inquiries has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
PLEASE REMOVE ALL ACCOUNTS. MY INFORMATION WAS EXPOSED IN A DATA BREACH. THE FOLLOWING ACCOUNTS ARE FRAUDULENT. THE FOLLOWING ACCOUNTS ARE UNAUTHORIZED. 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 non-monetary relief
Consumer complaint received 2025-07-03 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 recently obtained a copy of my credit report and found multiple accounts that I do not recognize. I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide certified mail with receipt displaying my signature. If not please investigate and remove as they are hurting my ability to obtain credit.

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 2025-07-03 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: IL

Complaint narrative:
I have repeatedly requested proper verification of the accounts listed below, as required by law. Continuing to report unverified or inaccurate information is a violation of the Fair Credit Reporting Act. Under Sections 609 and 611, you must either verify these accounts with documented evidence or remove them. Failure to comply will result in further legal action and complaints to the CFPB and FTC. 
XXXX XXXX XXXXXXXX Balance {$8700.00} XXXX XXXX  XXXX Balance {$240.00} XXXX  XXXX Balance : {$13000.00}

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 2025-07-03 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: IN

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This debt does not belong to me, and if it has my name or information, I believe that it may be fraudulent. Not knowing where this originated from or what this bill is for would go a long way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Multiple companies are continuing to report accounts for which I have formally revoked consent and requested immediate removal under FCRA 604 and GLBA. The CRAs are enabling unauthorized data reporting in violation of federal law. Please refer to the attached multi-party revocation notice. You have 4 days to remove them according to 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 non-monetary relief
Consumer complaint received 2025-07-03 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: IN

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I bank with paypal and had several unauthorized transactions I filed disputes for them in a timley manner with paypal but they all got denied within a day or two of filing the disputes i tried asking them why they got denied they told me that it was authorized which it was not i told them that I had lost my wallet and my debit card which was in my wallet and cell phone that had all my information on it bank accounts all my passwords and pin numbers were in my phone and someone stole on XX/XX/XXXX of XXXX  I had rode the bus home and lost my card on the bus but I wasn't aware of my card or phone being lost until the next day on XX/XX/2025 I called paypal and told them I lost my card and that someone used it without my knowledge and the first unauthorized transaction was XX/XX/XXXX of XXXX  for the amount of {$240.00} at XXXX it was a US bank atm withdrawal which leads me to believe that whoever stole my phone had access to my pin number for my card i had every pin number and password stored in my phone so therefore someone was able to use the atm to take my money out of my account i made a police report with my local police department. second unauthorized transaction was XX/XX/2025 for the amount of {$13.00} at XXXX at XXXX XXXX XXXX I reported these were not authorized by me on XX/XX/2025. Both disputes came back as denied. Because apparently they were authorized so they said, which they were NOT AUTHORIZED i tried telling them I didn't have my debit card in my possession at this time. There was another unauthorized transaction that happened XX/XX/XXXX of XXXX for {$40.00}. I thought I had disputed that transaction but I didn't dispute it until a few days ago. I have had more recent unauthorized activity on my paypal account on the XXXX of XXXX I loaded {$80.00} onto my paypal card the next day I then made a dollar transfer to my XXXX XXXX to make sure I could pull money off my paypal account. I was at the bar the night of the XXXX which is the night I lost my paypal debit card and shortly after someone else made 5 different unauthorized transactions on my paypal account you can see my name on the dollar transfer I made to my cash app but then the other 5 unauthorized transactions say cash app and a name I've never heard of before it clearly says someone else 's name and not mine. All these disputes I've made with paypal have been denied within a day of the investigation process I demand that paypal gives me my stolen money back I've made a police report theres proof that its not me making these transactions but paypal still says these are all authorized transactions which is not true whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COLUMBIA BANKING SYSTEM, INC.
State: NJ

Complaint narrative:
Overview You have 100 % left to pay on this collection. Balance {$64000.00} Highest Balance {$63000.00} Opened XXXX XXXX, XXXX ( 4 mos ) Account status Open Type Derogatory Responsibility Co-maker Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX Closed Reported to my personal XXXX credit report when this has to do with my old company XXXX XXXX XXXX XXXX XXXX that was closed in XX/XX/XXXX. In the state of NJ and the USA the company is out of business and has been documented as so on XX/XX/XXXX. {$64000.00} was NEVER OWED on anything and XXXX XXXX XXXX was never our creditor. XXXX XXXX XXXX XXXX was an XXXX and this company is going after my XXXX XXXX XXXX and my Mothers ( XXXX XXXX ) Personal credit reports and say it is in collections. XXXX XXXX XXXX was NEVER our original creditor and we do not owe this company anything! XXXX XXXX was the only company we took a loan from and it was {$32000.00} and the tractor is sitting at XXXX XXXX 's Truck service ( XXXX or XXXX ) with a {$35000.00} storage bill since XXXX XXXX did not want it back and they left it there My father ( XXXX XXXX XXXX who passed away ) was a partner also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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