vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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:
XX/XX/year> XXXX XXXX XXXX XXXX ct XXXX XXXX XXXX, FL, XXXX XXXX Equifax P.O. XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX  : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
[ Identify item ( XXXX ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of 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 2025-05-28 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
In reviewing my credit reports, I discovered a collection account listed by XXXX XXXX  National Credit System XXXX XXXX  for a property called XXXX XXXX XXXXXXXX at XXXX XXXX XXXX XXXX with a balance of XXXX XXXX XXXX {$6200.00} XXXX XXXX The account is reported across all three major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  with dates of last activity around * * XX/XX/XXXXXXXX XXXX XXXX and verified as recently as XXXX XXXX XXXXXXXX and XX/XX/XXXXXXXX XXXX XXXX 

I have XXXX XXXX never lived at or conducted any business XXXX XXXX with XXXX at XXXX XXXX, nor did I authorize any lease or financial obligation related to this property. This account appears to be the result of XXXX XXXX identity theft XXXX XXXX 

On XXXX XXXX XXXX XXXX XXXX, I filed an XXXX XXXX Identity Theft Report XXXX XXXX with the XXXX XXXX  Federal Trade Commission ( FTC XXXX XXXX XXXX and provided copies of this report along with a government-issued ID and proof of address to all three credit bureaus. I also submitted a written statement affirming that I did not authorize the account or any related charges, as required by XXXX XXXX  FCRA 605B XXXX XXXX 

Despite these actions, the account remains on my credit reports and continues to negatively impact my creditworthiness. I am requesting that the item be XXXX XXXX permanently blocked and removed XXXX XXXX from my file, and that the credit bureaus XXXX XXXX  notify the furnisher and any third parties XXXX XXXX  that have received this erroneous data. 

This unresolved issue has caused significant harm, including denials of credit and emotional distress. I am seeking full removal of the account and compliance with the XXXX XXXX  Fair Credit Reporting Act XXXX XXXX 

XXXX XXXX  Let me know if youd like this customized further with specific dates of actions you took, like when you mailed your disputes or filed your FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc.
State: WV

Complaint narrative:
I sent rgs a certified letter stating I want verifiable proof I owe this debt and real documents purchase agreement that they own it because Ive never had a XXXX  card and they bought this bad alleged debt from the trust. Third party debt collectors have violated my rights and committed fraud and identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: NJ

Complaint narrative:
I have called XXXX numerous times to ask to take the charges off the account and notify the credit bureaus. This has been since XXXX or XXXX of this year. Each time their security department says they will take care of it and notify the credit bureau but do not. .. MY credit score has dropped significantly because of the XXXX XXXXXXXX for XXXX XXXX card showing late payments. The amounts run from {$2.00}, {$3.00}, TO {$5.00} OR {$6.00}. I closed the card and owe nothing i used the card once and paid the total within a couple weeks. Please help,!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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:
This is a formal request for the removal of fraudulent accounts that appeared after a data breach. Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( a ) ), XXXX XXXX XXXX these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX Account Number : XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$940.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} Inquiries XXXX Date : 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 explanation
Consumer complaint received 2025-05-28 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:
This is a formal request for the removal of fraudulent accounts that appeared after a data breach. Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( a ) ), XXXX XXXX XXXX these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX Account Number : XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$940.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} Inquiries XXXX Date : 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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with DPT EDXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

DPT EDXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Im in the process of trying to switch from XXXX XXXX a digital bank, to a brick and mortar bank Wells Fargo because Ive gotten older and was seeking the ability to have a person in a bank to speak to about my finances. I opened an account with Wells Fargo and shortly after applied for their credit card so I could start the process of closing out my XXXX XXXX lines of credit. I was denied the card and given the reasons : Ratio of credit bureau trades with a balance greater than XXXX ( We look at the ratio of open and closed credit accounts that have a balance greater than XXXX in the last 6 months ) Number of revolving bankcards reported by credit bureau ( We look at the number of bank credit cards in your credit bureau report ), so I called the number provided and was told they couldnt explain the reasons but, someone at the bank could. I scheduled my appointment and went to speak with the banker who told me the exact samething but, I was to call the same number on the letter and they could assist me. So, I called again and was told the exact samething again but that legally they dont have the authority to give me details as to why I was denied. The form they sent me said I had a credit score of XXXX and from my understanding that an excellent score. But, every way I turn with Wells Fargo, Im being told absolutely no one can explain why Ive been denied and that I cant be reconsidered without making changes to my equifax credit report, I was also told equifax could explain what the reasons me, after calling I discovered none of that was true and they also couldnt help in anyway. Now I have two hard inquires on my credit report, 2 denials and still not answers to why I wasnt approved. I just keep being told its automated and passed from bank to call center repetitively to waste my time. I dont understand how banks are allowed to do this without even an explanation as to why.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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 am a victim of identity theft and am disputing an account that was fraudulently opened under my name without my authorization. The account was reported by XXXX XXXX for a balance of {$1200.00} tied to XXXX XXXX ( XXXX ), opened on or around XX/XX/XXXX. 

I have never had an account with XXXX, never lived at the address associated with this utility account, and did not open or authorize this account. I filed a police report with the XXXX Police Department on XX/XX/XXXX, confirming the identity theft. I also contacted the FTC and placed a fraud alert on my credit file. 

I requested full validation of the debt from XXXX XXXX, including a signed contract, utility application, and proof of residency. They did not provide any documentation linking me to the account. 

This collection is now being falsely reported on my XXXX  credit report and is damaging my credit profile. I am requesting that the CFPB take corrective action to have this account removed under the Fair Credit Reporting Act ( FCRA ) 605B and to prevent further unlawful reporting of fraudulent debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: IL

Complaint narrative:
Due to identity theft resulting from a data breach, fraudulent accounts have impacted my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : 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, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
Following identity theft caused by a data breach, fraudulent accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXX XXXX Account Number : XXXX * XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1300.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7400.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$8000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$750.00} Inquiries EXPERIAN XXXXXXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
Following identity theft caused by a data breach, fraudulent accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXX XXXX Account Number : XXXX * XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1300.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7400.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$8000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$750.00} Inquiries EXPERIAN XXXXXXXX XXXX  Date : XX/XX/XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: IL

Complaint narrative:
I recently noticed a late payment mark reported by my Discover Bank account ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX  ), which I fully acknowledge but ask that you kindly allow to be reconsidered in the event Discover issues a goodwill deletion. 
Account Type - Detail : Credit Card Bureau Code : Individual Account Status : Open Date Opened : XX/XX/XXXX ( XX/XX/XXXX ) Balance : {$1900.00} And the incorrect late payments show on XXXX and XX/XX/XXXX. 
These late payments were caused by a temporary personal hardship that Ive since fully recovered from. Ive kept my account in good standing since then and have been a loyal customer to Discover since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
I have sent three letters to NATIONAL CREDIT SYSTEMS asking them to validate the alleged debt they claim I owe. I gave them more than thirty days to respond to each letter individually, but They have refused to respond and or validate the debt. According to law silence is acquiescent. NATIONAL CREDIT SYSTEMS do not have my written and or other consent to use my personal identifying information to furnish fraudulent adverse information on my consumer report. If NATIONAL CREDIT SYSTEMS continues to furnish this fraudulent information on my consumer report, I will sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: MD

Complaint narrative:
The 2 inquiries and 11 accounts reporting negatively on my TRANSUNION account ( SEE ATTACHED ) are fraudulent, inaccurate, unverifiable. ( PLEASE SEE ATTACHED )

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