vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 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: MD

Complaint narrative:
Dear CFPB, I am writing to formally report that I have been a XXXX of identity theft and to request the removal of fraudulent accounts that have appeared on my credit report. 

I have filed an identity theft report with the Federal Trade Commission ( FTC ), which is attached to this message for your reference. 

The following accounts are not mine and were opened without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  XXXX. ) I am requesting that the Consumer Financial Protection Bureau assist in initiating an investigation and facilitate the removal of these unauthorized accounts from my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am also requesting that the credit reporting agencies be notified and these accounts be deleted or blocked as they are the result of identity theft. 

Please let me know if any additional documentation is required. I appreciate your attention to this matter and your assistance in helping to restore the accuracy of my credit file. 

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 2025-06-21 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: MD

Complaint narrative:
Dear CFPB, I am writing to formally report that I have been a XXXX of identity theft and to request the removal of fraudulent accounts that have appeared on my credit report. 

I have filed an identity theft report with the Federal Trade Commission ( FTC ), which is attached to this message for your reference. 

The following accounts are not mine and were opened without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXXXXXX XXXX XXXX. ) I am requesting that the Consumer Financial Protection Bureau assist in initiating an investigation and facilitate the removal of these unauthorized accounts from my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am also requesting that the credit reporting agencies be notified and these accounts be deleted or blocked as they are the result of identity theft. 

Please let me know if any additional documentation is required. I appreciate your attention to this matter and your assistance in helping to restore the accuracy of my credit file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: LA

Complaint narrative:
I recently obtained a copy of my credit report and found multiple accounts that are fraudulent. Please investigate and remove as this is hurting my credit.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
RE : Immediate Removal of My Personal Information from ChexSystems Unauthorized and Non-Consensual Use To Whom It May Concern : I am writing to issue a formal and urgent demand for the immediate removal of all data, reports, records, or files associated with my identity from the ChexSystems database. I have not, at any time, granted permission or provided informed consent for ChexSystems to collect, store, use, or disseminate my personal identifying information for any reasonespecially not for the purpose of generating profit or aiding financial institutions in making decisions using non-consensual data. 

I am not, and have never been, in a contractual relationship with your company. Any information appearing in your system about me has been collected and used without my explicit authorization, in violation of my privacy rights and possibly applicable consumer protection and data privacy laws. You are monetizing my personal data by making it available to third parties ( e.g., banks ) without my knowledge or consentthis is unacceptable.

I demand the following : 1. Immediate deletion of all records, inquiries, or entries associated with my name, SSN, or identifying information ; 2. A full accounting of how my information was obtained and who it was shared with ; 3. Written confirmation within 15 business days that my information has been removed and will no longer be stored or shared ; 4. A copy of my updated ChexSystems consumer report reflecting these changes. If I do not receive confirmation that my information has been purge
d from your system, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Office for Civil Rights, and my state attorney general. I will also explore legal remedies for the non-consensual use and monetization of my data.

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 2025-06-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
I would like the following collections accounts removed. Many of these accounts fall under the statute of limitations or are misreported on my credit report. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the FAIR CREDIT REPORTING ACT, SECTION 609A1A, you are required by federal law to verify through physical verification of the original signed contract, any and all accounts that you post on credit report. Otherwise, anyone paying you for your debt is probably fraudulent. I demand to see verified proof. If you fail to validate, REMOVE ACCOUNT IMMEDIATELY. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX locked my debit card without notifying me stating I had activity suspicious for fraud. I had just moved into a new apartment and so I had made a large purchase ( my rent and security deposit ) and bought XXXX item of furniture. I went to the grocery store and was unable to buy basic needs due to this issue. Yesterday they put my mobile banking deposit on hold for XXXX business days, stating this check is too large from a check you previously received from this company. I am XXXX XXXX and I had started a new job. My first check only had 3 days of work on it so it was less than {$800.00}. My second check had 6 days of work on it and was {$2100.00}. So youre telling me XXXX XXXX doesnt know that when people start new jobs the first check is usually smaller than the following checks? Due to this I was only paid {$700.00} for an entire month! I could not pay my phone or car insurance bills!

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 2025-06-21 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 am writing to formally notify Experian Equifax and Transunion that I am a victim of a data breach and I am requesting that all accounts related to this breach be blocked and deleted in accordance with the provisions of the Fair Credit Reporting Act specifically, 15 USC 1681c-2 ( a ). 

The accounts are as follows 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: TX

Complaint narrative:
I am writing to formally notify Experian Equifax and Transunion that I am a victim of a data breach and I am requesting that all accounts related to this breach be blocked and deleted in accordance with the provisions of the Fair Credit Reporting Act specifically, 15 USC 1681c-2 ( a ). 

The accounts are as follows 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

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 2025-06-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA

Complaint narrative:
I would like the following collections accounts removed. Many of these accounts fall under the statute of limitations or are misreported on my credit report. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the FAIR CREDIT REPORTING ACT, SECTION 609A1A, you are required by federal law to verify through physical verification of the original signed contract, any and all accounts that you post on credit report. Otherwise, anyone paying you for your debt is probably fraudulent. I demand to see verified proof. If you fail to validate, REMOVE ACCOUNT IMMEDIATELY. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report . I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, 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 2025-06-21 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: CA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer XXXX XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a revolving, installment, and collection account. The first account is a revolving opened at XXXX CARD on XX/XX/year> under the XXXX, the second account is an installment account opened at XXXX on XX/XX/year> under the XXXX, the last account is a collections account opened at XXXX XXXX on XX/XX/year> under the XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my credit report and discovered inaccurate information being reported by XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX BANK NA Account Number : XXXX XXXX. XXXX Account XXXX : XXXX regarding an account that does not belong to me. This account is negatively impacting my XXXX XXXX and financial reputation. 

On XX/XX/year>, I contacted the credit bureau ( XXXX ) and the data furnisher to dispute this item and requested validation. However, I have not received a satisfactory resolution or any evidence verifying that this account is valid and truly mine. 

This appears to be either a case of mixed file or identity error. According to the Fair Credit Reporting Act ( FCRA ), the information must be accurate and verifiable. I respectfully request this item be investigated and removed if proper validation can not be provided.

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 2025-06-21 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:
This is a new and separate dispute, not a duplicate, and is being filed based on newly discovered information as of XX/XX/year>. I am formally disputing the continued reporting of a closed collection account from XXXX XXXX XXXX ( account number ending in * XXXX ), as shown on my Equifax credit report with a balance of {$1000.00}. This is a clear case of identity theft or fraud. I never opened or authorized this account, and I have no knowledge of any relationship with this debt buyer or the original creditor. Despite my prior dispute efforts, XXXX XXXX XXXX and XXXX XXXX XXXX have failed to produce any legally required documentation, including a signed credit application, original account agreement, or transaction history, to prove that this debt is mine. The only materials ever provided consist of generic statements and boilerplate disclosures, which do not satisfy the validation requirements under FCRA 609 ( a ) ( 1 ).

I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 602A ( 4 ), 609 ( e ), 611 ( f ), and 611 ( a ) ( 5 ) ( A ), to dispute this account as the result of unauthorized activity or identity theft, even without submitting a police report, which is not required by law. Additionally, this tradeline contains XXXX XXXX compliance violations. The account is marked as both Closed and showing an active balance of {$1000.00}, a contradiction that violates FCRA 607 ( b ), which requires all furnished data to be accurate and complete. Narrative codes 166 and 057 are vague, and no supporting information has been provided to explain the origin or legal enforceability of this debt.

Because no contract with my signature, proof of consumer authorization, or method of verification has been presented, the continued reporting of this account is unlawful. Under FCRA 611 ( a ) ( 5 ) ( A ), I demand its immediate and permanent deletion from my credit file. I also request written confirmation of deletion or, if retained, full disclosure of the original signed documentation and the verification method used to justify its reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Attempt to make payment was made on XX/XX/year> via money in a postal money order of {$20.00} to settle debt due to financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
I mailed written notice to XXXX XXXX XXXX Account XXXX XXXX on XX/XX/XXXX disputing the debt. According to that correspondent dated XX/XX/XXXX written communication disputing the debt by XX/XX/XXXX would result in stopping the collection process. 
Next, there was an overpayment of {$150.00} in XX/XX/XXXX. According to XXXX billing statement XX/XX/XXXX - XX/XX/XXXX ; balance - {$21.00} ( see attached ). Disconnect/cancelled XXXX service XXXX XXXX XX/XX/XXXX. XXXX refunded {$150.00} to my account XXXX. Then on XX/XX/XXXX XXXX debited my account in the amount of {$150.00}. I called my bank and disputed that transaction. 
Also, XXXX sent me a XXXX in XXXX for {$83.00}, valid thru XX/XX/XXXX ; card number ending XXXX. If.. discard has been sent as a result of a credit balance or overpayment on your XXXX account. We have loaded the card with the amount of your credit balance for overpayment. I activated the card XX/XX/XXXX. 
Finally, the result of this collection process has dropped my XXXX XXXX by XXXX points my credit ratings were always in the XXXX for the past 40 years. Thus, rating went from very good to fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
A Riddles Jewelry opened a credit card account in my name without my consent, they checked my credit to see if I approved to buy a necklace ten the sales person said I did not approve after a couple days I see a Riddles Jewelry account by wells Fargo in my credit file, this is identity theft because I didnt ask for credit card and I didnt apply for credit card. I called Wells Fargo to close the account now I want the credit bureaus delete the close account to my credit report. Its unfair!

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 2025-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I didn't authorize this account to be open in my name. 
Fcra 605b-1681c-2 Please remove this account off my name

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 2025-06-21 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:
I was made aware of several accounts that are not mine, that are being listed on my credit report. I want these removed from my report as they are not my accounts and I did not open them. I had an ex boyfriend that I believe is the one that opened these things up and messed up my stuff. I remember finding pictures of my ID on his phone and wondering why that would be there. I need your help to remove these fraudulent accounts from my credit report. Thank you so much.

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 2025-06-21 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 was made aware of several accounts that are not mine, that are being listed on my credit report. I want these removed from my report as they are not my accounts and I did not open them. I had an ex boyfriend that I believe is the one that opened these things up and messed up my stuff. I remember finding pictures of my ID on his phone and wondering why that would be there. I need your help to remove these fraudulent accounts from my credit report. Thank you so much.

Company response to consumer: Closed with non-monetary relief