vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: LA

Complaint narrative:
LEGAL DEMAND FOR ACTION IN 15 DAYS : I did not authorize these inquiries, phone numbers, addresses, or the above account and demand : Immediate deletion of all unauthorized hard inquiries from my credit file.

Permanent blocking of the XXXX XXXX XXXX account ending in XXXX. 

Permanent removal of all telephone numbers listed above.

Permanent removal of all addresses listed above.

Permanent removal of the unauthorized employer listed above.

Written confirmation of all deletions within 15 calendar days of your receipt of this letter.

Per FCRA 604 ( a ) ( 3 ), no hard inquiry or account may be reported without consumer consent or a valid business purpose. I require you to provide, per FCRA 609 ( a ) ( 1 ) : The name of each party who requested the inquiry or placed the account, The method of verification, Any signed documentation or contracts proving my authorization.

Under UCC 3-501, I demand proof of original, signed authorization contracts. Under UCC 1-308, I reserve all rights without prejudice. Under Arizona law, you are obligated to act in good faith and prevent consumer fraud. Failure to comply within the 15-day window will result in : Formal complaints to the CFPB, FTC, and the Arizona Attorney General. Civil action under 15 U.S. Code 1681n & 1681o for willful or negligent noncompliance. Demand for statutory damages, attorney fees, and removal injunction. CREDIT FILE STATUS FRAUD VICTIM REMOVE IMMEDIATELY FROM
EQUIFAX REPORT : I am demanding the immediate removal of the status flag : Credit File Status : Fraud Victim ( associated with trade ) from my Equifax credit report. This label is misleading, defamatory, and creates unnecessary alarm for creditors and financial institutions. I did not authorize or request this designation to be placed on my file and I demand that it be permanently removed immediately.

This designation negatively impacts my ability to obtain credit, insurance, and employment and does not reflect the current or accurate status of my credit file.

Pursuant to : FCRA 611 ( 15 U.S.C. 1681i ) Duty to reinvestigate inaccurate information FCRA 605B Block of information resulting from identity theft Arizona Revised Statutes 44-1694 UCC 1-308 Reservation of rights You are required to remove any fraudulent, inaccurate, or misrepresentative status or indicator, and issue a written statement confirming the deletion within 15 calendar days. Failure to comply will result in immediate legal escalation, as stated above. All Rights Reserved, Without Prejudice.

UCC 1-308 UCC 3-501 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: LA

Complaint narrative:
LEGAL DEMAND FOR ACTION IN 15 DAYS : I did not authorize these inquiries, phone numbers, addresses, or the above account and demand : Immediate deletion of all unauthorized hard inquiries from my credit file.

Permanent blocking of the XXXX XXXX XXXX account ending in XXXX. 

Permanent removal of all telephone numbers listed above.

Permanent removal of all addresses listed above.

Permanent removal of the unauthorized employer listed above.

Written confirmation of all deletions within 15 calendar days of your receipt of this letter.

Per FCRA 604 ( a ) ( 3 ), no hard inquiry or account may be reported without consumer consent or a valid business purpose. I require you to provide, per FCRA 609 ( a ) ( 1 ) : The name of each party who requested the inquiry or placed the account, The method of verification, Any signed documentation or contracts proving my authorization.

Under UCC 3-501, I demand proof of original, signed authorization contracts. Under UCC 1-308, I reserve all rights without prejudice. Under Arizona law, you are obligated to act in good faith and prevent consumer fraud. Failure to comply within the 15-day window will result in : Formal complaints to the CFPB, FTC, and the Arizona Attorney General. Civil action under 15 U.S. Code 1681n & 1681o for willful or negligent noncompliance. Demand for statutory damages, attorney fees, and removal injunction. CREDIT FILE STATUS FRAUD VICTIM REMOVE IMMEDIATELY FROM
EQUIFAX REPORT : I am demanding the immediate removal of the status flag : Credit File Status : Fraud Victim ( associated with trade ) from my Equifax credit report. This label is misleading, defamatory, and creates unnecessary alarm for creditors and financial institutions. I did not authorize or request this designation to be placed on my file and I demand that it be permanently removed immediately.

This designation negatively impacts my ability to obtain credit, insurance, and employment and does not reflect the current or accurate status of my credit file.

Pursuant to : FCRA 611 ( 15 U.S.C. 1681i ) Duty to reinvestigate inaccurate information FCRA 605B Block of information resulting from identity theft Arizona Revised Statutes 44-1694 UCC 1-308 Reservation of rights You are required to remove any fraudulent, inaccurate, or misrepresentative status or indicator, and issue a written statement confirming the deletion within 15 calendar days. Failure to comply will result in immediate legal escalation, as stated above. All Rights Reserved, Without Prejudice.

UCC 1-308 UCC 3-501 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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2025-06-02 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXXXX/XX/year> EQUIFAX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXX/XX/year> EQUIFAX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXXXX/XX/year> EQUIFAX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXX/XX/year> EQUIFAX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Inquiries : XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> Experian XXXX XX/XX/year> Equifax Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Personal Information : Previous Address : XXXX XXXX XXXX XXXX, WA XXXX XXXX Previous XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX Previous XXXX : XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX Previous XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The investigation of your Equifax credit report request is complete. 
From Equifax on XX/XX/XXXX Your Equifax credit report request complete. You can view and download the results in your Dispute Center. 

Your results will remain online until [ XX/XX/XXXX ] .Download them for your records.Depending on the results, you may see updates in your Equifax credit report. 

Request Confirmation Number [ XXXX ] Disputing with other credit bureaus You won't always find the same information in your credit reports at each of the three nationwide credit bureaus, so you may want to check your credit reports from TransUnion and Experian as well. If you find inaccurate or incomplete information, you can file separate disputes with TransUnion and Experian

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: IL

Complaint narrative:
there are unauthorized accounts and inquiries on my credit report. made without my knowledge Accounts : XXXX XXXX XXXX {$800.00} ( XXXX ) XXXX  XXXX {$300.00} ( XXXX ) XXXX {$800.00} ( XXXX ) XXXX XXXX ( XXXX XXXX ) {$1700.00} ( XXXX ) Inquiries XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) XXXX  XXXX ( XXXX ) XXXXXXXX XXXX XXXX ( XXXX ) XXXX  XXXX ( XXXX ) XXXX  XXXX ( 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 explanation
Consumer complaint received 2025-06-02 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: IL

Complaint narrative:
there are unauthorized accounts and inquiries on my credit report. made without my knowledge Accounts : XXXX XXXX XXXX {$800.00} ( XXXX ) XXXX  XXXX {$300.00} ( XXXX ) XXXX {$800.00} ( XXXX ) XXXX XXXX ( XXXX XXXX ) {$1700.00} ( XXXX ) Inquiries XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) XXXX  XXXX ( XXXX ) XXXXXXXX XXXX XXXX ( XXXX ) XXXX  XXXX ( XXXX ) XXXX  XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX  ( XXXX ) XXXX  XXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year>, I transferred {$2500.00} from my PayPal balance to my linked bank account. The transaction went through successfully. However, on XX/XX/XXXX, PayPal suddenly reversed the entire transfer of {$2500.00} without any valid explanation. To make matters worse, they also limited my account on the same day and still have not provided a clear or legitimate reason for doing so. 

Now the funds are neither in my bank account nor in my PayPal balance, theyve simply disappeared. I have contacted PayPal multiple times, through chat and phone calls but I continue to receive generic and unhelpful responses. They will not tell me why my account was limited or where the money went. 

I am requesting a full investigation, a proper explanation for the reversal and limitation, and the immediate return of the {$2500.00} that was wrongfully removed. This situation is unacceptable and has caused a significant financial burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: MO

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: LA

Complaint narrative:
I did not authorize these inquiries, phone numbers, addresses, or the above account and demand : Immediate deletion of all unauthorized hard inquiries from my credit file. 

Permanent blocking of the XXXX XXXX XXXX account ending in XXXX. 

Permanent removal of all telephone numbers listed above. 

Permanent removal of all addresses listed above. 

Permanent removal of the unauthorized employer listed above. 

Written confirmation of all deletions within 15 calendar days of your receipt of this letter.

Per FCRA 604 ( a ) ( 3 ), no hard inquiry or account may be reported without consumer consent or a valid business purpose. I require you to provide, per FCRA 609 ( a ) ( 1 ) : The name of each party who requested the inquiry or placed the account, The method of verification, Any signed documentation or contracts proving my authorization.

Under UCC 3-501, I demand proof of original, signed authorization contracts. Under UCC 1-308, I reserve all rights without prejudice. Under Arizona law, you are obligated to act in good faith and prevent consumer fraud.

Failure to comply within the 15-day window will result in : Formal complaints to the CFPB, FTC, and the Arizona Attorney General.

Civil action under 15 U.S. Code 1681n & 1681o for willful or negligent noncompliance. 

Demand for statutory damages, attorney fees, and removal injunction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: LA

Complaint narrative:
I did not authorize these inquiries, phone numbers, addresses, or the above account and demand : Immediate deletion of all unauthorized hard inquiries from my credit file. 

Permanent blocking of the XXXX XXXX XXXX account ending in XXXX. 

Permanent removal of all telephone numbers listed above. 

Permanent removal of all addresses listed above. 

Permanent removal of the unauthorized employer listed above. 

Written confirmation of all deletions within 15 calendar days of your receipt of this letter.

Per FCRA 604 ( a ) ( 3 ), no hard inquiry or account may be reported without consumer consent or a valid business purpose. I require you to provide, per FCRA 609 ( a ) ( 1 ) : The name of each party who requested the inquiry or placed the account, The method of verification, Any signed documentation or contracts proving my authorization.

Under UCC 3-501, I demand proof of original, signed authorization contracts. Under UCC 1-308, I reserve all rights without prejudice. Under Arizona law, you are obligated to act in good faith and prevent consumer fraud.

Failure to comply within the 15-day window will result in : Formal complaints to the CFPB, FTC, and the Arizona Attorney General.

Civil action under 15 U.S. Code 1681n & 1681o for willful or negligent noncompliance. 

Demand for statutory damages, attorney fees, and removal injunction.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am sending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

I request that these accounts be completely removed from my credit report. Please take immediate action to delete it.

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 2025-06-02 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: FL

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 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 2025-06-02 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: CT

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 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