vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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: WI

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX balance {$83.00}, XXXX balance {$1200.00}, XXXX  balance {$0.00}.

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 explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My social security number was leaked and someone opened multiple accounts under my name without my knowledge, I called the company and explained the circumstances, they said I could not talk to anyone about the account without having the account number ( which is the phone number used to open the account ) I did not have that as I did not open the accounts so they could not really do anything to help me, I asked them to flag those accounts as fraudulent as well as alerting my credit bureau but the results came in and the company reported the accounts as " Affected by natural or declared disaster '' which is faulty and disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: NC

Complaint narrative:
I am writing with deep concern regarding the unauthorized inclusion of information in my consumer report, a clear violation of 15 U.S. Code 1681b. This letter serves as an official dispute, urging your agency to conduct an immediate and thorough re-investigation into this breach of my rights. 
Account Name : XXXX Account # : XXXX On XX/XX/2025 I submitted a complaint to Experian regarding certain accounts that I believe to be inaccurate. I expected a thorough re-investigation as mandated by the Fair Credit Reporting Act ( FCRA ). However, in their responses, Experian claimed these accounts were " verified '' without providing the actual sources or evidence of their verification process.

According to FCRA 611, I request that the credit reporting agencies reinvestigate the items in my initial complaint. Specifically, I am asking them to : * Provide the source of information they relied upon to verify the accounts. 
* Confirm whether they contacted the XXXX regarding the late payments, as this is crucial for establishing the accuracy of the contested items.

I am disputing the accuracy of the information contained in my consumer credit report. Upon recent review, I discovered entries that violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which mandates the maximum possible accuracy of information in a consumer 's file. The entries in question were reported without my written permission, contravening the requirements outlined in 15 U.S. Code 1681b ( 2 ) of the FCRA.

I request an immediate, comprehensive, and impartial re-investigation into these entries, along with a detailed response outlining the findings, including the original written instructions from me with my wet signature.

If Experian can not provide a valid source for their " verified '' response, I demand that they delete all contested items from my credit report, as they can not legally claim verification without proper investigation.

Furthermore, I request documentation, including the periodic statement and tracking number, to prove that each periodic statement was delivered to me at least 21 days before the payment due date, as mandated by 15 U.S. Code 1666b.

Failure to comply with the legal requirements outlined in
this letter will necessitate pursuing all available legal remedies to address this violation of my rights under the FCRA. Please be aware that failure to comply with the FCRA may result in claims of willful noncompliance and negligent noncompliance, which could lead to compensation for all credit denials attributable to these contested items.

I appreciate your prompt attention to this matter and look forward to your response.

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 2025-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
On XX/XX/year> the amount of {$1400.00} was placed on my credit report as a collection, due to me being a victim of bank fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: CA

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: NV

Complaint narrative:
This collection agency has not signed a contract with me nor have I given my consent to any company for the distribution of my personal information and they are violating the law and privacy of my personal information therefore I want it removed from my credit report. This collection agency does not have my authorization to be disclosing personal information and I do not have any debt to anyone of that amount of money, therefore this debt is a fraud because I do not recognize it. Therefore check all legal elements and sign my and take into account all documents and errors. 

the debt collection company : XXXXXXXX XXXX XXXX  Account number : 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 2025-03-08 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: NV

Complaint narrative:
This collection agency has not signed a contract with me nor have I given my consent to any company for the distribution of my personal information and they are violating the law and privacy of my personal information therefore I want it removed from my credit report. This collection agency does not have my authorization to be disclosing personal information and I do not have any debt to anyone of that amount of money, therefore this debt is a fraud because I do not recognize it. Therefore check all legal elements and sign my and take into account all documents and errors. 

the debt collection company : XXXXXXXX XXXX XXXX  Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/year> @ XXXX Arizona Time called Wellsfargo at ( XXXX ) XXXX Asking about my account take over alert I received from my XXXX XXXX XXXX XXXXXXXX XXXX Stating the on XX/XX/year>. The message I received was that the account ownership had changed. The bank refused to answer the question they continued to change the subject to something else. At this point I decided to start recording the call. I informed Wellsfargo that i was recording the call. I ask the representative her name and ID number and the representative said there name was XXXX and refused to give ID number. Also said that shr was going to have to transfer me to someone else. The next person I talked to said that theee name was XXXX XXXX the representative whos name was XXXX, said that the person who I was being transferred to was XXXX XXXX XXXX. ) But who m ever I was transferred to done the same as the avoided subject and told me that the department I needed to talked was closed. ( This seems to be Wellsfargo go to answer everytime the department that I needed to talk to is closed, or they transfer me from department. So I never get an answer to anything. ) Also in the safety deposit I had a copy of the deed to my property in that was worth {$120000.00} XXXX dollars that was talen and made s copy of and placed bsck in my box so now I have someone living in my home claiming thry are me so i lost my home at this point all due the negligence and the bank knew who I and I had been in the bank many of times. So they knew the person that done wasnt me.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

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 2025-03-08 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 discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Balance : {$870.00} XXXX  XXXX XXXX Balance : {$430.00} XXXX  XXXX XXXX XXXX : {$190.00} XXXX  XXXX XXXX Balance : {$910.00} XXXX  XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/year> Reference XXXX XXXX XXXX XXXX  XXXX Balance : {$2100.00}

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 explanation
Consumer complaint received 2025-03-08 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: MI

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Balance : {$870.00} XXXX  XXXX XXXX Balance : {$430.00} XXXX  XXXX XXXX XXXX : {$190.00} XXXX  XXXX XXXX Balance : {$910.00} XXXX  XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/year> Reference XXXX XXXX XXXX XXXX  XXXX Balance : {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: PA

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 inquires 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 and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible. XXXX XXXX XXXX XXXX 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 2025-03-08 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: PA

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 inquires 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 and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: NC

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 non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have had this Citi Card ( XXXX ) with me since XXXX. I have included statements from Billing Period : XXXX where the balance was {$120.00} and was paid in full. XXXX XXXX : XXXX there is a XXXX balance on the account. Then on Billing Period : XXXX, I had to charge my property taxes in the amount {$5300.00}. That statement shows a Mini Payment of {$80.00} with an XXXXXXXX XXXX %. Then the following Billing Period : XXXX the mini payment goes from {$80.00} to {$140.00} with the interest rate XXXX  %. Then the following Billing Period : XXXX shows a mini payment of {$170.00} and XXXXXXXX XXXX %. Why, I have been nothing more than a perfect client. For citi bank to do this to me,

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 2025-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
15 USC 1692CC if a consumer notify a debt collector that they are claiming he or she owe.by law you have to per fide the collector with the right documentation signed by him or her showing that they owe this debt.if its not received within 30 days or less on your request then it have to be removed from your credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On the morning of XX/XX/year>, I suddenly found that I couldn't log in to my online banking account. I called customer service, and they informed me that my account had been permanently closed without providing a reason. They mentioned that the remaining funds would be sent to me via check. Amount around XXXX dollar

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 monetary relief
Consumer complaint received 2025-03-08 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:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$75000.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$11000.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$7100.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$7100.00}, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$2700.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$2700.00}, XXXX XXXX XXXX  XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$2500.00}, XXXX XXXX XXXX Account XXXX : XXXX date opened XX/XX/XXXX bal. {$690.00}, XXXX XXXX XXXX  Account XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$660.00}, XXXX XXXX XXXX Account # : XXXX XXXX XXXX XX/XX/XXXX bal. {$500.00}, XXXX XXXX XXXX Account # : XXXX date XXXX XX/XX/XXXX XXXX {$220.00}, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00} XXXX Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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