vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 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: MO

Complaint narrative:
Date : XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX  RE : Formal Demand for Removal of Fraudulent Account from Credit Report Violation of FCRA Due to Identity Theft To Whom It May Concern, I am writing to formally demand that TransUnion immediately remove the XXXX XXXX account from my credit report. As I have previously informed TransUnion, I am a victim of identity theft, fraud, and misrepresentation related to this account. 

Specifically, on or about XXXX XXXX XXXX XXXX XXXX XXXX fraudulently used my personal information to secure a {$52000.00} loan from XXXX XXXX without my knowledge, consent, or authorization. I have already filed an identity theft report and provided notice to TransUnion as required under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX. 

Prior Notice and Failure to Remove Account Under the FCRA, upon receipt of an identity theft report, the credit reporting agency must block the fraudulent account from the consumers credit file within four ( 4 ) business days. Despite my prior dispute and notification to TransUnion, more than four business days have now passed, and the fraudulent XXXX XXXX account remains on my credit report. 

This is a clear violation of the FCRA and has caused me ongoing financial and reputational harm. 

My Legal Rights and Your Obligations Failure to comply with the FCRA exposes TransUnion to civil liability under : XXXX U.S.C. XXXXn ( willful noncompliance ) : statutory damages of {$100.00} {$1000.00}, punitive damages, attorneys fees, and costs. 

XXXX U.S.C. XXXXo ( negligent noncompliance ) : actual damages, attorneys fees, and costs. 

Final Opportunity to Cure While I have the right to pursue legal action to recover damages, I am providing TransUnion with one final opportunity to cure this violation. I will not pursue legal action if the XXXX XXXX account is immediately removed from my credit file and you provide written confirmation of the removal within 10 business days of the date of this letter. 

However, if TransUnion fails to comply, I will have no choice but to pursue all available legal remedies, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing damages through litigation. 

Thank you for your prompt attention to this matter. 

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Subject : Request for Removal of Inaccurate Information from Credit Report Dear CFPB Representative, I recently conducted a review of my credit report and identified several items that I believe to be inaccurate. 

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports.

Furthermore, pursuant to 15 U.S. Code 1681i ( 5 ) ( A ), if any item of information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable during reinvestigation, the consumer reporting agency must promptly delete or appropriately modify the information and notify the furnisher of the change. 

In accordance with these provisions, I am formally requesting the immediate removal or correction of the following inaccurate items from my credit report : 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 confirm receipt of this request and let me know in writing of the outcome of your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XX/XX/year> Last ( XXXX ) Social- 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 2025-05-04 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I sent XXXX letters in XXXX and XXXX in XXXX, including a letter listing the items that should be removed, XXXX copies of my address ( bills or other documents ), a copy of my identification, and a copy of my identity theft report. I provided everything necessary for them to remove the inquiries, but they refuse to do so. I sent letters and also called them after they received them, but they always put up barriers and excuses. On different calls different days and the same letters and documents, they told me : " You need to send a copy of your SSN. '' " Your report is old ; you need to submit a new theft report. '' The report is not well made. 
" The date of XXXX of your inquiries in your request letter does not match our records. '' " We need your SSN. '' They always create obstacles, both over the phone and through letters. I sent the same letter with the same documents to TransUnion and Experian, and they removed the inquiries without major issues. Equifax, however, keeps making it difficult, working to benefit corporations instead of consumers. This is affecting my credit score and my ability to get major loans due to their bad practices. I do not recognize the hard inquiries on my credit report, and I never authorized them. I have kindly asked Equifax to remove them from my credit report. Every time they ask for a new theft report, I tell them this is insane I can not submit another report if one has already been made. It doesnt make sense. They never want to remove anything over the phone ; they always insist on letters. I refuse to send a copy of my SSN because they already have my information. In the FTC theft report attached, you can see in the XXXX XXXX ' that I detailed every inquiry because the section labeled XXXX Inquiries ' does not have enough space to list all of them. Equifax is violating the Fair Credit Reporting Act ( FCRA ) in my case. The FCRA requires credit bureaus to investigate disputes properly and ensure the accuracy of consumer credit reports. Here are potential violations : - Failure to Conduct a Proper Investigation -The FCRA mandates that credit bureaus must investigate disputes and consider all supporting documents. Equifax is ignoring my identity theft report and supporting evidence, they are violating this requirement. Unreasonable Barriers to Dispute Resolution Credit bureaus can not create unnecessary obstacles for consumers trying to correct errors. If Equifax repeatedly asked for additional documents ( like your SSN ) despite already having sufficient proof, this could be considered an unfair practice. I am placing more information and data to this case XXXX with more documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am contacting National Credit Systems regarding my most recent complaint. Please be advised that, due to your refusal to provide the requested verification of this debt and line items, I have already filed a complaint with the Federal Trade Commission ( FTC ) regarding your companys failure to adhere to the Fair Debt Collection Practices Act ( FDCPA ). I am continuing to pursue all available avenues to ensure that my rights are protected and that this matter is resolved in compliance with applicable laws. I hope that we can settle this issue without further escalation, but I will not hesitate to take additional steps if necessary. 

I also would like to bring to your company 's attention, the other law you broke for alleged debt. Under the FDCPA, you are required to provide me with written notification of the debt within five days of your first contact with me. This notification must include the amount of the debt, the name of the creditor to whom the debt is owed, and a statement of my rights to dispute the debt. To date, I have not received such a notification, which leads me to believe that your communications with me have failed to comply with these important legal requirements. I never heard of your company until denied on an application. Again I will continue to seek damages, if your company continues to be aggressive and harm my credit with baseless information. Also, my case will not go unnoticed as National Credit Systems already has other active/pending lawsuits for the same reasons I am complaining about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: CA

Complaint narrative:
Dear equifax, experian, transunion, im writting to formally dispute again under FCRA 605B as these XXXX accounts attached to the FTC report have been reinserted illigally back onto my consumer credit report. This reassertion is not permitted unless the furniture certifies the information as accure and is not the resultof identity theft, and I am provided written noticeat least XXXX business days before the information is reinserted. FCRA 15 U.S.C 1681 ( d ) ( 2 ) ( a ) ( i ) definitions rules of construction exclusions! I was never given the opportunity to opt out as consumer law says im afforded! 15 U.S.C 6801 says that these financial institutions are suppose to protect my personal information as a safe guard continuously with confidentiality meanning they dont ever got the right to report my person information when I didnt give them permission for it to be reported as in the conclusion section says its against the law 15 U.S.C 6802 & 6804 section A, B & C! Not provided non disclosure opportunity for this information to even appear on my consumer report which is totally illegal! Please block under 605b 4 days block and remove from my consumer credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: CA

Complaint narrative:
Dear equifax, experian, transunion, im writting to formally dispute again under FCRA 605B as these XXXX accounts attached to the FTC report have been reinserted illigally back onto my consumer credit report. This reassertion is not permitted unless the furniture certifies the information as accure and is not the resultof identity theft, and I am provided written noticeat least XXXX business days before the information is reinserted. FCRA 15 U.S.C 1681 ( d ) ( 2 ) ( a ) ( i ) definitions rules of construction exclusions! I was never given the opportunity to opt out as consumer law says im afforded! 15 U.S.C 6801 says that these financial institutions are suppose to protect my personal information as a safe guard continuously with confidentiality meanning they dont ever got the right to report my person information when I didnt give them permission for it to be reported as in the conclusion section says its against the law 15 U.S.C 6802 & 6804 section A, B & C! Not provided non disclosure opportunity for this information to even appear on my consumer report which is totally illegal! Please block under 605b 4 days block and remove from my consumer credit reports.

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 2025-05-04 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: IL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX RE : FINAL DEMAND REMOVE UNVERIFIED COLLECTIONS & CHARGE-OFFS IMMEDIATELY | LEGAL NOTICE UNDER FCRA, UCC, AND FEDERAL LAW To Whom It May Concern, This letter serves as your formal and final notice to immediately remove the following accounts from my Experian credit file. These items are being reported in violation of federal law and are inaccurate, unverifiable, and unsubstantiated. 

DISPUTED ACCOUNTS 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 VIOLATIONS OF FEDERAL LAW : FCRA XXXX No documented permissible purpose to report FCRA XXXX Failure to verify with original documentation FCRA XXXX ( b ) Failure to maintain maximum possible accuracy FCRA XXXX ( a ) ( XXXX ) XXXX original signed contract provided UCC XXXX Demand for presentment of original obligation XXXX XXXX signature ) UCC XXXX All rights reserved without prejudice You are also in violation XXXX you reported these accounts without first receiving original documentation from the furnisher. Reporting unverifiable or unvalidated data is considered negligent and unlawful. 

DEADLINE 15 DAYS : You have XXXX calendar days from receipt of this letter to : DELETE these accounts from my Experian credit report PROVIDE complete and original verification documentation CONFIRM the deletions or provide verifiable evidence in writing Failure to comply will result in : Complaints filed with the CFPB, FTC, and Illinois Attorney General XXXX XXXX under FCRA XXXX & XXXX for statutory and punitive damages This is your final warning. 

Sincerely, 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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I tried to download my credit report from TransUnion on the free credit report site, but all I received was a blank document. I tried again was told that I had already got via an onscreen message, Apparently, the only way to get help is on social media! 
I want a hard copy of my report, and they ought to fix the site. And provide easily accessible online 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 2025-05-04 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: EdFinancial Services
State: CA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against EdFinancial, XXXX, XXXX, and XXXX  for continued reporting and collection of student loan debt that is now legally void following the XXXX order to abolish the XXXX Department of Education. 

Complaint Details : XXXX. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 

XXXX. Failure to XXXX XXXX of XXXX The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 

XXXX. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( XXXX U.S.C. XXXX ) and FDCPA ( XXXX U.S.C. XXXX ). 

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XX/XX/2025, I contacted Wells Fargo ( XXXX ) to follow up on my {$3300.00} credit card dispute, part of a {$6700.00} charge for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  not received from XXXXXXXX XXXX. The representative asked if I stayed on the XXXX XXXX XXXX days. I confirmed yes, and she placed me on hold to consult a supervisor. She returned, stating my claim would be dismissed. I spoke with the supervisor, who refused to file a claim with XXXX, stating that my XXXX stay meant the denial of services was irrelevant. Despite presenting proof of requesting cancellation on day XXXX, the supervisor declined to review my documents or hear my case, admitting my claim was closed to make room for other claims and weed out cases. Wells Fargos denial notice confirmed the dismissal without addressing my evidence. 

My issue is that Wells Fargo unfairly denied my dispute without reviewing my proof of cancellation or acknowledging that I received no services. The supervisors rationalebased on my XXXX stay and a need to weed out casesis arbitrary and violates fair dispute practices under the XXXX Credit Billing Act, which allows disputes for services not delivered. This dismissal has caused a {$3300.00} financial loss, eroding my trust in Wells Fargo. 

I request that Wells Fargo reopen my dispute, thoroughly review my evidence, and refund the {$3300.00} to my account. Additionally, I ask that Wells Fargo improve its dispute process to ensure fair consideration of evidence.

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 2025-05-04 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: VA

Complaint narrative:
I am a victim of identity theft, which has led to the reporting of unauthorized and inaccurate information by Equifax. My Social Security number and other private data were unlawfully used. These unauthorized accounts and inquiries have severely damaged my creditworthiness. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I formally request the immediate blocking and permanent deletion of all information resulting from identity theft. Despite prior notifications, these agencies continue reporting unverifiable data. I do not consent to the placement of a fraud alert I demand complete deletion as required under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-04 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: DE

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX 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. 

Account Name : EXPRESS COLLECTIONS IN # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened 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