vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: NY

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX. 
Under XXXX XXXX XXXX XXXX ( XXXX ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : 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 XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX and a collections account opened at DEPT OF EDUCATION/XXXX XXXX XXXXXX/XX/XXXX with a balance of $ {$2300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 # ( private case number ) as proof from the XXXX 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 explanation
Consumer complaint received 2025-07-09 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:
Greetings, I am submitting this complaint concerning fraudulent items in my file. I am pleased to note that Experian Credit Bureau has already removed all fraudulent items from my file. Today, I am requesting once again the removal of the remaining items from Equifax and TransUnion Credit Bureaus, as it is in violation of the Fair Credit Reporting Act, specifically 15 USC sections 1681. This request is made within the time declared by law, as the continued reporting of untruthful information is adversely affecting my credit. Please find below a summary of the remaining items that are still appearing on my report : XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, TX 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 2025-07-09 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: TX

Complaint narrative:
As of XX/XX/XXXX, I submitted formal disputes with all three credit bureaus regarding several unauthorized hard inquiries on my credit report, pursuant to my rights under ( FCRA ) and Texas consumer protection laws for identity theft and data breaches.. 

XXXX. XXXX XXXX : Requested On : XX/XX/XXXX XXXX. XXXX XXXX XXXX via XXXX XXXX XXXX : Requested On : XX/XX/XXXX XXXX. XXXX XXXX XXXX : Requested On : XX/XX/XXXX XXXX. XXXX XXXX XXXX via XXXX  XXXX  XXXX  : Requested On : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX. XXXX XXXX VIA DEALER : Requested On : XX/XX/XXXX XXXX. XXXX  XXXX XXXX via XXXX XXXX XXXX XXXX XXXX : Requested On : XX/XX/XXXX XXXX. XXXX XXXX : Requested On : XX/XX/XXXX XXXX. XXXX  XXXX : Requested On : XX/XX/XXXX XXXX. XXXX XXXX XXXX  : Requested On : XX/XX/XXXX XXXX. XXXX XXXX XXXX via XXXX XXXX XXXX XXXX : Requested On : 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 2025-07-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
As of XX/XX/XXXX, I submitted formal disputes with all three credit bureaus regarding several unauthorized hard inquiries on my credit report, pursuant to my rights under ( FCRA ) and Texas consumer protection laws for identity theft and data breaches.. 

XXXX. XXXX XXXX : Requested On : XX/XX/XXXX XXXX. XXXX XXXX XXXX via XXXX XXXX XXXX : Requested On : XX/XX/XXXX XXXX. XXXX XXXX XXXX : Requested On : XX/XX/XXXX XXXX. XXXX XXXX XXXX via XXXX  XXXX  XXXX  : Requested On : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX. XXXX XXXX VIA DEALER : Requested On : XX/XX/XXXX XXXX. XXXX  XXXX XXXX via XXXX XXXX XXXX XXXX XXXX : Requested On : XX/XX/XXXX XXXX. XXXX XXXX : Requested On : XX/XX/XXXX XXXX. XXXX  XXXX : Requested On : XX/XX/XXXX XXXX. XXXX XXXX XXXX  : Requested On : XX/XX/XXXX XXXX. XXXX XXXX XXXX via XXXX XXXX XXXX XXXX : Requested On : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
I did not authorize any reporting of these inquiries or accounts. Additionally, under FCRA 605B, you are required to block any information that results from identity theft. These false counts must be removed from my credit report immediately. Request for Immediate Action : I request at all fraudulent accounts be removed from my credit report within 4 business days, as required by law. dditionally, I demand the following : Verification of the original agreements for any alleged accoun alidation of all debts in accordance with Generally Accepted Accounting Principles ( GAAP ). BIg move all fraudulent accounts from my credit report. Failure to comply with these requests with pecified timeframe will lead to further legal action, including pursuit of monetary damages, and i ou accountable for any fees resulting from your unlawful activities. Please provide me with the requested acumentation and evidence within the statutory timeframes, as outlined by federal law See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Aldridge Pite, LLP
State: NV

Complaint narrative:
I'm currently applying and waiting for response from XXXX XXXX in regards to a Forbearance application. I received a XXXX by the appointed Trustee XXXX XXXX XXXX today and I am requesting for XXXX XXXX XXXX  to NOT forge or create anything or sign anything with my name. I just found out about your company 's existence today XX/XX/year> and when I called your associate, I was told XXXX XXXX XXXX WILL NOT share ANY information in regards to when a sale date might occur to my house. In other words, I can be evicted without them allowing me to know about the sale nor if it even happened. Per XXXX  law, they ABSOLUTELY MUST post sale date and continue to let me know of any other information in regards to my house. I have read SEVERAL horror stories where XXXX XXXX XXXX continues with auctioning your home even when filing bankruptcy. All I am requesting is for XXXX XXXX XXXX to send me any and all information, should I decide to keep my home. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: PA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-09 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: PA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd

Complaint narrative:
To Whom It May Concern, I am writing on behalf of XXXX XXXX XXXX, a U.S.-registered company, to file a formal complaint against Wise regarding a missing business transaction and unacceptable service that has caused financial loss and significant hardship while traveling. 

We received a USD XXXX payout from XXXX, directed to our XXXX account details provided by Wise. This was a business payment, correctly routed from Stripe to the XXXX bank details Wise assigned to us. 

At the time, our Wise account balance exceeded the XXXX XXXX local cap ( due to earlier funds held in XXXX ), and Wise flagged the incoming XXXX  amount as exceeding the local limit. To accommodate the Stripe payout, I withdrew part of the balance to make space for the incoming transfer. Despite this, the XXXX funds were not reflected in our Wise account balance. 

Wise then provided only XXXX options : XXXX. Transfer the amount to a Malaysian bank account, or XXXX. Refund the amount in another currency to any external account of our choice. 

Critically, they refused to provide the most obvious and fair option returning the funds directly back to XXXX via the same XXXX account pathway they initially used. This lack of flexibility is unacceptable, especially for a regulated financial service provider handling business funds. 

I chose the second option and instructed Wise to send the amount in XXXX  to my XXXX XXXX  XXXX XXXX account. However, immediately after confirming the transfer, the funds disappeared from my Wise account, with no trace, no confirmation, and no tracking number provided. I contacted customer support, only to be kept on hold for over XXXX minutes without meaningful help or resolution. 

This situation has caused significant stress and financial disruption while I am traveling. Wise has failed to provide transparency, accountability, or any assurance that the funds are secure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

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.

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 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 2025-07-09 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:
I am filing this complaint because the credit bureaus have failed to remove unverified accounts from my credit report despite receiving multiple written disputes. Under the FCRA, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), I have the right to request validation of any information reported on my credit file. These accounts have not been verified and no proper documentation was provided.XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$330.00} XXXX  XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$390.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$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 non-monetary relief
Consumer complaint received 2025-07-09 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: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute certain information that appears on my credit report. The entries I am referring to are listed under : Creditor Name : XXXX  Account Number : XXXX Disputed Entries : 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  These entries are either inaccurate or incomplete. I request that a thorough investigation be conducted under the Fair Credit Reporting Act ( FCRA ). If these accounts or statuses can not be verified or are incorrect, I respectfully request that they be corrected or removed entirely from my credit report.

Please provide written confirmation of the outcome of your investigation. If you need further information from me to facilitate this process, I am happy to provide it.

Thank you for your time and 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 2025-07-09 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:
To Whom It May Concern, I am writing to formally dispute certain information that appears on my credit report. The entries I am referring to are listed under : Creditor Name : XXXX  Account Number : XXXX Disputed Entries : 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  These entries are either inaccurate or incomplete. I request that a thorough investigation be conducted under the Fair Credit Reporting Act ( FCRA ). If these accounts or statuses can not be verified or are incorrect, I respectfully request that they be corrected or removed entirely from my credit report.

Please provide written confirmation of the outcome of your investigation. If you need further information from me to facilitate this process, I am happy to provide it.

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
Credit card was opened with my information. Checked my credit report yesterday and saw that there was a high amount owed on a card I had not signed off on. 
XXXX  is the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: SC

Complaint narrative:
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.

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 2025-07-09 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: MA

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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