vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-03-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NY

Complaint narrative:
My cash app has been compromised and all my personal informations has been compromised too. I lost {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: AZ

Complaint narrative:
It has been drawn out that Credit Bureau is not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the inquiries that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-03-21 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
My information has been used fraudulently on inquires and I need them to be removed due to identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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 AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: NY

Complaint narrative:
Pursuant to 15 U.S.C. 1692c ( c ), I need proof of authorization, verify that this constitutes legitimate credit transactions and valid photo identification linking me to this alleged debts. 

I have not authorized, opened, or benefited from the fraudulent accounts listed under my name. As required by federal law, including the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ( a ) ) and the Identity Theft and Assumption Deterrence Act, I demand the immediate removal and blocking of the fraudulent accounts from my credit file. Pursuant to the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6802 ), I have not given consent for my personal or financial information to be shared with any non-affiliated third party. The fraudulent accounts identified are 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

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 2025-03-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/year> Upon reviewing MyFico 3 in 1 consumer credit report for the month of XXXX, it is reflecting that Experian, XXXX and XXXX is reporting three different balances and three different account numbers for each of the 14 student loan accounts listed below. According to the ( FCRA ) Fair Credit Reporting Act, these credit reporting agencies are required to report 100 % complete and accurate information. Since these credit reporting agencies continues to report inaccurate information, I am requesting to have these accounts removed from my credit reports immediately. Attached you will find a copy of my credit report and my identification for your review. Please assist me in rectifying this issue. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2025-03-21 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: IL

Complaint narrative:
XX/XX/year> Upon reviewing MyFico 3 in 1 consumer credit report for the month of XXXX, it is reflecting that XXXX, TransUnion and XXXX is reporting three different balances and three different account numbers for each of the 14 student loan accounts listed below. According to the ( FCRA ) Fair Credit Reporting Act, these credit reporting agencies are required to report 100 % complete and accurate information. Since these credit reporting agencies continues to report inaccurate information, I am requesting to have these accounts removed from my credit reports immediately. Attached you will find a copy of my credit report and my identification for your review. Please assist me in rectifying this issue. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2025-03-21 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: IL

Complaint narrative:
XX/XX/year> Upon reviewing MyFico 3 in 1 consumer credit report for the month of XXXX, it is reflecting that XXXX, XXXX and Equifax is reporting three different balances and three different account numbers for each of the 14 student loan accounts listed below. According to the ( FCRA ) Fair Credit Reporting Act, these credit reporting agencies are required to report 100 % complete and accurate information. Since these credit reporting agencies continues to report inaccurate information, I am requesting to have these accounts removed from my credit reports immediately. Attached you will find a copy of my credit report and my identification for your review. Please assist me in rectifying this issue. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: NY

Complaint narrative:
In XX/XX/year>, I became aware that I was a victim of identity theft. Unauthorized accounts were fraudulently opened in my name without my knowledge or consent. I discovered these fraudulent accounts after reviewing my credit report. In accordance with the Fair Credit Reporting Act, 15 U.S. Code 1681c-2 ( FCRA 605B ), I am exercising my right to request the immediate blocking of all fraudulent accounts that were opened in my name due to identity theft. The following companies show accounts that I did not open : 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 2025-03-21 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 sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I am filing this statement with the FTC to report inaccurate information appearing on my consumer credit report that needs to be corrected. Specifically, the account with XXXX XXXX XXXX , shows a late payment on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhows a late payment on XXXX XXXX XXXX XXXX XXXX which I believe has XXXX reported in error. Also the followinf inaccurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kindly correct these, ASAP.

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 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I have sent many letters asking for verification of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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:
I am writing to you for the second time to dispute the presence of unverified information on my credit report, as stipulated in 15 U.S.C. 1681c-2. The following accounts have been reported in my credit history without the creditors providing legitimate debt validation. I am once again attaching a copy of my FTC Identity Theft Report ( Report Number : XXXX ) as evidence to support my request for the immediate removal of these records. 

Accounts to be removed due to lack of debt validation : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} According to the law, credit bureaus are obligated to verify reported information and remove any account that has not been properly validated. Since no legitimate documentation has been provided to support these accounts, I demand their immediate removal. 

Inaccuracies Found in the Reports and FCRA Violations : Failure to verify debt requirements : I have not received any contract or signed document proving that these accounts belong to me, which constitutes a violation of the FCRA ( 15 U.S.C. 1681s-2 ). 

Inconsistencies between credit bureaus : These accounts show discrepancies in the reports from TransUnion, XXXX, and XXXX, including differences in last activity dates, balances, and account statuses. This contradictory information fails to meet the obligation to maintain accurate data as required by the FCRA ( 15 U.S.C. 1681e ( b ) ).

Reporting closed accounts as open : Some accounts appear as open in one credit bureau and closed in another, negatively impacting my credit score.

Maintaining accounts in a " charge-off '' status without justification : Creditors have not demonstrated that these accounts are valid, yet they continue to report them in a way that negatively affects my credit. 


I am attaching a copy of my identification, my FTC report, and the credit reports where these accounts appear for your review. 

I expect a prompt response as required by law. If a resolution is not provided within the stipulated time, I will proceed with the appropriate legal actions.

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 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: IL

Complaint narrative:
On or around XX/XX/year> I requested validation of this debt, and no proof has been provided within the required timeframe under FDCPA Section 809 ( b ). I dispute its validity and request its removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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:
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 Dispute and Request for Deletion of Inaccurate Accounts To Whom It XXXX Concern, I am writing to formally dispute and request the immediate deletion of the following inaccurate accounts from my credit report, as they do not belong to me, and I do not owe these debts : 1. Account XXXX : XXXX Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Account Number : XXXX Creditor : XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, it is my right to ensure that the information contained in my credit reports is accurate and reflects only valid debts that I am responsible for. These accounts are erroneously reported and do not pertain to any financial obligation of mine. 
I kindly request Equifax and XXXX to investigate this matter promptly and to delete these accounts from my credit report within the timeframe mandated by law. Please provide me with written confirmation once these accounts have been removed from my credit file. 
Enclosed with this letter are copies of documents supporting my identity and the discrepancy in reporting. I also have attached the final payment I made on XX/XX/XXXX, following XXXX XXXX in XXXX of XXXX. I have also returned all equipment Spectrum following the transfer of my services, for which I was supposed to receive an account CREDIT. 
Thank you for your immediate attention to this matter. Please contact me at the above-listed phone number or email address if you require any further information. 
Sincerely, XXXX XXXX Attachment : - Driver License - Copies of the new account I obtained on XX/XX/XXXX - Copy of the debt paid to 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 2025-03-21 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: Early Warning Services, LLC
State: FL

Complaint narrative:
I am formally disputing inaccurate and fraudulent information on my Early Warning Services ( EWS ) report. The following accounts do not belong to me and appear to be the result of identity theft or a reporting error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand an immediate investigation and the removal of these accounts from my record under my rights granted by 15 U.S. Code 1681i ( Procedure in case of disputed accuracy ) of the Fair Credit Reporting Act ( FCRA ). Additionally, failure to correct these inaccuracies may constitute violations of : 15 U.S. Code 1681e ( b ) Failure to maintain accurate reporting procedures 15 U.S. Code 1681s-2 Reporting false information with knowledge of errors 15 U.S. Code 1681c-2 Blocking information resulting from identity theft Enclosed are supporting documents, including : A copy of my government-issued ID My EWS report A signed fraud affidavit I am also attaching the FTC identity theft report related to this dispute. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), you are required to investigate and correct errors within 30 days. Please confirm receipt and provide written confirmation upon resolution. 

Failure to comply may result in legal action. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Attempted several times to contact and request info on the unsubstantiated claims XXXX XXXX XXXX and Portfolio Recovery Associates obtained a judgement without proper notifications of the pending lawsuit and withdrew funds from the bank putting in jeopardy my ability to pay for housing and living expenses after I lost my source of income in XXXX XXXX due to fires and close out of business. 

Portfolio Recovery Associates was sued and fined millions of dollars in the past due to illegal collection practices and they still unfortunately continue to defraud and hurt people with their illegal actions. 

Extensive investigation is a must to stop them once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: FL

Complaint narrative:
I was going through my credit file & realized that theres a security freeze on my credit file. I need to unfreeze my credit immediately.

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