vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Charge Off XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened XX/XX/XXXX Balance : {$1100.00} XXXX  XXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$730.00} Charged Off XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance : {$970.00} Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance : {$3400.00} Collection Inquiries in Dispute : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Charge Off XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened XX/XX/XXXX Balance : {$1100.00} XXXX  XXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$730.00} Charged Off XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance : {$970.00} Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance : {$3400.00} Collection Inquiries in Dispute : 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

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 2025-04-08 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX ACCOUNT XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-04-07 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: TN

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 2025-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
I have been trying to have my loan recalculated. Keep getting switched around then a disconnect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: IL

Complaint narrative:
I am writing to formally dispute and request an immediate investigation into inaccurate and unverifiable negative information reported by XXXX XXXX XXXX XXXX on my credit report, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

According to the account appearing in my credit file under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account No. XXXX ), there are derogatory entries including late paymentsmost recently updated on XX/XX/XXXX, and reflecting a balance of {$29000.00}. However, there is no supporting documentation or payment history provided to substantiate these claims. This reporting lacks verifiable evidence and appears to be in breach of federal consumer protection standards. 

Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) : Information furnished to credit reporting agencies must be both accurate and verifiable.

15 U.S.C. 1681 ( a ) : The purpose of the FCRA is to ensure fair and accurate credit reporting.

15 U.S.C. 1681 ( 4 ) : The reporting of inaccurate information can unjustly harm consumers in obtaining credit, housing, or employment.

Furthermore, as a consumer, I retain the right to privacy over my financial records. The inclusion of unverifiable internal claimssuch as alleged late paymentswithout admissible evidence constitutes a violation of that right. These entries do not reflect verified collections or public record judgments and therefore must be fully validated before they can lawfully appear on my credit report. 

As established in XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ), courts have ruled that billing statements alone are insufficient proof of indebtedness. Creditors must supply credible, verifiable evidencesuch as a signed agreement, detailed transaction history, or ledgerto justify derogatory reporting. 

XXXX XXXX XXXX XXXX has failed to demonstrate the legal basis for this negative account information. Therefore, I am requesting the following : A full and immediate investigation into the reporting of the XXXX XXXX XXXX XXXX account listed in my credit file. 

Removal of any reported late payments or delinquencies that can not be verified with complete and accurate documentation. 

Permanent deletion of this account from my TransUnion and XXXX credit reports if XXXX XXXX fails to produce verifiable proof substantiating the reporting. 

Please acknowledge receipt of this complaint and provide written confirmation of the outcome of your investigation within the time allowed by law.

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX loan opened on XX/XX/XXXX and closed on XX/XX/XXXX. 

Reporting inaccurate amounts. 
Highest balance XXXX. Reported balance XXXX. 
Inaccurate payment history. 
Account status is closed and company wrote off balance Profit for loss write off

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/year>, I sent a letter to the XXXX credit reporting agencies : Transunion, Experian and Equifax. Today is XX/XX/XXXX, I received an email from Experian saying that they received a letter that was not sent my be. I have uploaded the letter through the CFPB portal so you can see the letter clearly specifies the accounts I want them to investigate and correct the errors, I also sent them copies of my identification and a copy of my social security card. I even provided them all with my email to email me the results.Make it make sense, that they send me an email saying they received a letter not sent by me, yet they respond to me via my email? 

XXXXnsunion and Equifax have not replied and it's been over 30 days. Is hard for me to understand how come the new excuse for Experian and Transunion is to respond that they received a letter not sent by me. I believe they do this to buy themselves sometime and have proof that they sent a response, even if their response makes no sense. How is another person going to have my drivers license and social security card and randomly write to the credit bureau on my behalf?. Make this make sense.

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/year>, I sent a letter to the XXXX credit reporting agencies : Transunion, Experian and Equifax. Today is XX/XX/XXXX, I received an email from Experian saying that they received a letter that was not sent my be. I have uploaded the letter through the CFPB portal so you can see the letter clearly specifies the accounts I want them to investigate and correct the errors, I also sent them copies of my identification and a copy of my social security card. I even provided them all with my email to email me the results.Make it make sense, that they send me an email saying they received a letter not sent by me, yet they respond to me via my email? 

XXXXnsunion and Equifax have not replied and it's been over 30 days. Is hard for me to understand how come the new excuse for Experian and Transunion is to respond that they received a letter not sent by me. I believe they do this to buy themselves sometime and have proof that they sent a response, even if their response makes no sense. How is another person going to have my drivers license and social security card and randomly write to the credit bureau on my behalf?. Make this make sense.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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:
There are multiple inquiries from your company showing up on my credit report, and I didnt initiate or approve any of them. Ive been careful with who I share my information with, so seeing this is honestly frustrating.

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 2025-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
They are attempting to take me to court for XXXX this debt, not owed. Before they did, I asked for a purchase agreement, a sent a certified letter. I have the letter when I sent it, which was on XX/XX/year>. And here they are trying to sue me for something not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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 am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-04-07 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: PA

Complaint narrative:
I opened an apple credit card to use on my phone. I got a call one day, and the lady said your bill is outstanding you havent paid it to which I replied, I never got a bill. And I didnt. So she tells me they dont send out bills its all digital. You have to find your bill online and pay it. I said, I guess XXXX XXXX, Ive never dealt with A company that doesnt send out bills. I paid immediately. I told her that I pay my bills diligently, I have XXXX late payments and I asked her if this was something that was going to go against my credit she said absolutely not dont worry. Two weeks later my credit score went from XXXX to XXXX. Ive made many calls to XXXX. I filed a complaint through Trans Union. Every time I talked to somebody at XXXX credit card, which is XXXX XXXX, They all reassured me that everything was fine and that it would be cleared up. But it wasnt, they were lying to me. They denied my request to clear the situation up through Trans Union.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TransferWise Ltd

Complaint narrative:
On XXXX XXXX, I made payments to XXXX for a service through my Wise account. After initial contact with XXXX support, it was confirmed that the order would be refunded, and I was told that the funds had been successfully sent back. 

However, despite XXXX stating the refund was processed, the funds have not arrived in my Wise account. I have double-checked my Wise account details and transaction history, and there is no record of the refund being received. 

Ive made multiple attempts to follow up and confirm where the money was sent, but so far there has been no resolution, and the refund is still missing. Ive provided XXXX with all the necessary payment and account information to trace the refund, yet the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report

Company response to consumer: Closed with explanation