vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: OH

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Date OpenedXXXX Date Last Active : XX/XX/XXXX Payment Status : Late 30 Days ( XXXX XXXX ) Balance : {$2400.00} XXXX XXXX XXXX  XXXX * * * * Date Opened : XX/XX/XXXX Date Last XXXX Payment Status : Current Balance : {$29000.00} Late days : XX/XX/XXXX ( XXXX ) XXXX, XXXX, XX/XX/XXXX ( XXXX ) XXXX, XXXX, XX/XX/XXXX ( XXXX ) XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Date Last XXXX Payment Status : Current Balance : {$320.00} Late days : XX/XX/XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX * * * * Date XXXX Date Last Active : XX/XX/XXXX Payment Status : Current Balance : {$250.00} Late days : XX/XX/XXXX ( XXXX XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX Date Last XXXX Payment Status : Current Balance : {$320.00} Late days : XX/XX/XXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and 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 : LIST OF ITEMS TO BE REMOVED 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 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 These Items 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 # ( private case number ) 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 explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Please process my attached letter as a complaint against LVNV FUNDING LLC c/o Resurgent Capital Services L.P . Please investigate the issue and provide me with copies of any responses you receive. Thank you for your attention to this matter and all you do for consumers alike.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX Consumer Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private DOB ) I am writing to file an urgent complaint and request the immediate blocking of fraudulent information on my consumer credit report, as permitted under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). I request that you take action to block this information within four business days of receiving this complaint. 

The inaccurate and fraudulent items that need to be blocked are : A personal loan from XXXX XXXX XXXX XXXX, opened around XX/XX/year>, account number ( private ). 

These unauthorized accounts have unfortunately led to the appearance of several fraudulent accounts or collections on my Equifax credit report. I have attached a list detailing these fraudulent items, along with a copy of my credit report from you showing these errors. 

I want to be clear that I do not recognize these accounts or any associated collections. I did not open, make charges on, or authorize these items in any way. They are all the result of identity theft and fraud. 

To further support my claim, I have also included a copy of the official Identity Theft Report I filed with the Federal Trade Commission ( FTC ), Complaint # ( private case number ). This report confirms that these items are a direct result of identity theft. 

Given my rights under the FCRA, I request Equifax credit reporting agency to immediately block these fraudulent items from my credit report. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: OH

Complaint narrative:
I have items 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 that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX  XXXX Bankruptcy US BKPT CT OH CLEVELAN Reference # : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} 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 explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
I had a company called XXXX XXXX, XXXX ( XXXX XXXX XXXX  ) in Connecticut. 
A company called First Data Merchant Services ( XXXX XXXX //XXXXXXXXfiservXXXX  ) took {$2800.00} from my business account over a five month period. 
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I was never able to get in touch with anyone from the company and my emails went unanswered. 

I tried to get my bank ( XXXX ) to stop any transactions from the company but they would not. I had to close the account to stop them. I asked the bank to open an investigation but have not heard anything from the bank. 

I filled a complaint with the Federal Trade Commission ( Report number : XXXX ). 

I never delt with this company nor were they legally allowed to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and 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 : LIST OF ITEMS TO BE REMOVED 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 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 These Items 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 # ( private case number ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I have had and used my coinbase account regularly for the past few years. As apart if coinbase ' routine verification process. The company asked to verify the source of my funds used in the account. I have done this a few times over the years. However, this time starting XX/XX/XXXX, they asked to verify my funds with threats to suspended my account, which they did. I'm given about 5 days to respond to each request and do so. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. Each time I've provided the proper documents. Pay stub, bank statement, letter, w2 etc. Each time the company denies me access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: FL

Complaint narrative:
Experian verifies XXXX XXXX despite : 1 ) Charged-off balance not XXXX  ( Metro 2 4.2.1 ) 2 ) " Written off {$220.00} '' status proving debt cancellation 3 ) Possible re-aging ( opened XX/XX/XXXX with XX/XX/XXXX update ) Attached : - Certified mail receipts- Account screenshot Demand immediate deletion and investigation.

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 2025-04-21 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: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
DPEDXX/XX/XXXXXXXX XX/XX/XXXX Balance Owed : {$0.00} DPEDXX/XX/XXXX XXXXXX/XX/XXXX Balance Owed : {$0.00} DPEDXXXX XXXXXX/XX/XXXXBalance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I am writing to formally dispute multiple fraudulent and inaccurate accounts currently reported in my credit file. These accounts were opened without my knowledge or consent, and I believe they are fraudulent. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccuracies in my credit report. Additionally, creditors are required to notify consumers of debt validation within five days of reporting such accounts. This was not done, which constitutes a clear violation of federal law. 

Violations Across All Bureaus : 1. Failure to Notify : Creditors must provide written notification of debts within five days, as required under 15 U.S.C. 1692g. This was not provided, making these accounts illegitimate. 
2. Failure to Ensure Accuracy : Under FCRA 607 ( b ), credit bureaus must ensure maximum accuracy in their reporting. Discrepancies in balances, high credit limits, open dates, and payment histories across bureaus indicate noncompliance. 
3. Failure to Investigate : Under FCRA 611 ( a ) ( 1 ) ( A ), credit bureaus must investigate disputes within 30 days. My disputes remain unresolved despite exceeding the legally mandated timeline. 
4. Failure to Reinvestigate : FCRA 611 ( a ) ( 6 ) requires credit bureaus to reinvestigate if a consumer disputes the resolution of a claim. My disputes were not adequately addressed. 
5. Failure to Protect Personal Information : The Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ) requires financial institutions and credit bureaus to safeguard consumer data. This appears to have been compromised. 
6. Identity Theft Protections Ignored : The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) criminalizes identity theft. These fraudulent accounts violate federal protections against identity theft. 
7. Failure to Provide Resources for Identity Theft Victims : Under FTC guidelines ( 15 U.S.C. 1681g ( e ) ), credit bureaus must provide victims of identity theft with resources and support, including fraud alerts. These steps were not implemented. 
8. State Law Violations : Under New Mexico Compiled Laws 445.65 to 445.67, identity theft is addressed as a criminal offense. These fraudulent accounts violate state law protections. 

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 2025-04-21 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: TX

Complaint narrative:
Request to Block Fraudulent Information Due to Identity Theft I am writing to formally request the removal of fraudulent information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605B. I have been a victim of identity theft, and I have identified specific information on my credit report that is not related to any transaction I have made. 

Please find the details of the fraudulent information below : Account Name : XXXX XXXXXXXX Account Number : XXXX I have enclosed the following documentation to support my request : A copy of the identity theft report filed with the Federal Trade Commission ( FTC ), reference number : XXXX. 
In accordance with FCRA 605B, I request that you block the reporting of this information within four business days of receiving this request. Additionally, please notify the furnisher of this information that an identity theft report has been filed and that a block has been requested. 

Please confirm in writing that the fraudulent information has been removed from my credit report. If you need any further information or documentation, feel free to contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
Request to Block Fraudulent Information Due to Identity Theft I am writing to formally request the removal of fraudulent information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605B. I have been a victim of identity theft, and I have identified specific information on my credit report that is not related to any transaction I have made. 

Please find the details of the fraudulent information below : Account Name : XXXX XXXXXXXX Account Number : XXXX I have enclosed the following documentation to support my request : A copy of the identity theft report filed with the Federal Trade Commission ( FTC ), reference number : XXXX. 
In accordance with FCRA 605B, I request that you block the reporting of this information within four business days of receiving this request. Additionally, please notify the furnisher of this information that an identity theft report has been filed and that a block has been requested. 

Please confirm in writing that the fraudulent information has been removed from my credit report. If you need any further information or documentation, feel free to contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and 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 : LIST OF ITEMS TO BE REMOVED XXXX XXXXXXXX XXXX XXXX XXXX XXXX BALANCED {$1700.00} XXXX XXXX XXXX XXXX/2024 XXXX XXXX XXXX/2024 XXXX XXXX XXXX XXXX/2024 XXXX XXXX XXXX XXXX/2024 XXXX XXXX/2024 XXXX XXXX/2024 These Items 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 # ( private case number ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: CA

Complaint narrative:
Greetings, I am sending this complaint to request an investigation into the fraudulent inquiries on my credit report. I ask that the three Credit Bureaus conduct an investigation intothe fraudulent inquiries as required by law. Please see below the listed fraudulent inquiries that require investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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