vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: FL

Complaint narrative:
I am writing to formally report that my personal information was compromised as a result of the Equifax data breach that occurred in 2017. This bridge exposed sensitive data belong into over XXXX XXXX Americans, including Social Security numbers, dates of birth, addresses, and in many cases financial account information. I have reason to believe that the compromise data has been misuse and may have contributed to the creation or reporting of unauthorized accounts listed in my consumer report Under the fair credit reporting act ( FCRA ), I am exercise my rights to dispute a request, a removal of inaccurate or fraudulent information from my credit file. Specifically, I am requesting that the accounts in question, which I have identified in the attached report, be thoroughly investigated and removed within four ( 4 ) business days of receipt of this notice, pursuing to the consumer protections afforded under federal law. I also invoke the protections under the identity, theft and assumption deterrence act ( 18 U.S.C. 1028 ) in the fair and accurate credit transactions act ( FACTA ), which provide additional safeguards and require credit reporting agencies and other ins to take prompt, corrective action and cases of confirmed or suspected identity theft. Please consider this as a formal dispute under the FCRA, and take all necessary steps to investigate and resolve this issue immediately. I request a written confirmation once the account has been removed and they corrected a copy of my consumer report, reflecting this change. Thank you for your prompt attention to this matter.

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 2025-05-30 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: DE

Complaint narrative:
I am filling a complaint against TransUnion for failing to property investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C $ 1681i which mandates a reasonable investigation of disputes, Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) -b as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. 

These are the account that was reported accurately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I WANT REPORTED ACCOUNTS REMOVED.

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 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-30 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made/initiated. It is the result of identity theft. 
I CHECKED MY CREDIT REPORT AND NOTICED XXXX FRAUDULANT NEW INQUIRIES THAT I DID NOT INITIATE ON MY TRANSUNION CREDIT REPORT FROM : 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 2025-05-30 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: GA

Complaint narrative:
I am requesting that all fraudulent accounts opened in my name as a result of the Equifax data breach be investigated and permanently removed from my credit reports. I ask that any inquiries or negative marks related to these unauthorized accounts be deleted. I am also requesting written confirmation from all involved credit reporting agencies that these corrections have been made. Additionally, I would like to request ongoing fraud alerts, or a credit freeze be placed on my credit profile to help prevent further misuse of my personal information. I am committed to cooperating fully in this matter and am seeking a swift and fair resolution to restore the integrity of my identity and credit standing.

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 2025-05-30 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-05-30 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: IL

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with the credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or valid proof that I opened, authorized, or created this. As this constitutes a strict violation of FCRA laws, I request that the items be removed from my file. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX XXXX  Balance {$110.00} XXXX  XX/XX/XXXXXXXX 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 2025-05-30 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 account appearing on my consumer XXXX credit report, which I do not recognize and believe to be the result of identity theft and fraud. The fraudulent account is a collection account opened at XXXX XXXX XXXX, XXXX. on XX/XX/year>, under account number # XXXX. This unauthorized account has resulted in several fraudulent hard inquiries and the appearance of fraudulent collection activity on my credit report. I demand that the aforementioned fraudulent items be immediately removed from each of my consumer credit reports and that all collection activity related to this account cease, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account appearing on my consumer XXXX credit report, which I do not recognize and believe to be the result of identity theft and fraud. The fraudulent account is a collection account opened at XXXX XXXX XXXX, XXXX. on XX/XX/year>, under account number # XXXX. This unauthorized account has resulted in several fraudulent hard inquiries and the appearance of fraudulent collection activity on my credit report. I demand that the aforementioned fraudulent items be immediately removed from each of my consumer credit reports and that all collection activity related to this account cease, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: NC

Complaint narrative:
After reviewing my credit report I noticed some inaccuracies. I attempted to contact the companies placing the incorrect information on my report, but received not response. I then contacted all three credit reporting agencies. I informed them of the incorrect information. I requested the information be removed from my credit report. They informed me the information came back verified. I requested their verification method and well as informing them of 15 USC 6802-They must have written instructions from the consumer ( me ) in order to display information on my credit report a well as 605B-according to the FCRA it is illegal to report information on a consumers credit report without written consent ( which I did not provide ). As of today 's date, I did not receive anything from these companies. 
The following inaccuracies are : XXXX XXXX XXXX XXXX AMOUNTXXXX XXXX XXXX ( XXXX  ) AMOUNTXXXX XXXXXXXX XXXX ( EQUIFAX ) AMOUNT-XXXX XXXX I have also attached proof of my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: NC

Complaint narrative:
I purchased a XXXX XXXX jacket in a good faith, was shown the receipt to prove it was a legitimate item by XXXX XXXX purchased from XXXX XXXX. I paid {$1000.00} approximately XXXX British pounds for this purchase. 
Put my faith in the seller XXXX XXXX who resides in XXXX, XXXX XXXX XXXX XXXX, Flat XXXX, Worthing, XXXX XXXX to send this item to me, I was informed it would be sent first class however, I was then informed it would take XXXX days to arrive at which point I began to worry. It has been a total of XXXX ( or however many days it has been ) days and the package arrived XX/XX/year> around XXXX am at my house ( XXXX summer XXXX XXXX, XXXX, nc XXXX ) with no product inside. It was empty box. The box states that the weight of the box listed by him is XXXX but royal mail claimed the box to be XXXX which is significant different. Assuming he wants to fool the mail system but they put the weight on their label. 
I have attempted on various occasions to contact the seller but communication is not forthcoming. I told him to open the claim and he did not reply. He didnt show any urgency in resolving the issue. He didnt show any interest. I require assistance with this matter as I truly believe I have been scammed in regard to the product.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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 was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: MO

Complaint narrative:
this account is paid and fully closed. but it is negatively affecting my credit in the worse way. I need this account removed immediately because i can not obtain credit due this account fraudenlty affecting 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 explanation
Consumer complaint received 2025-05-30 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: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: NC

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 non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am being wrongfully pursued for a {$1000.00} debt related to an apartment unit I never leased or lived in. XXXX XXXX XXXX managed by XXXX ), the XXXX XXXX XXXX, verbally instructed me to submit an application for XXXX  XXXX solely so I could be added to an existing lease of XXXX  XXXX which is the XXXX  I actually lived in, in XX/XX/year>. I followed their instructions and submitted the application, but never signed a lease for XXXX XXXX or agreed to pay any fees related to it. 

XXXX later applied a {$1000.00} NSF fee and submitted the charge to XXXX XXXX, who then reported it to be on credit reports. There is no record of a failed payment or signed lease. XXXX responded to my debt validation request with a general move-out summary and my application neither of which proves any liability. 

I am requesting the CFPB to investigate XXXX XXXX  reporting of this debt and compel them to remove the tradeline from my credit reports immediately. 

I have attached the validation responses from XXXX, the erroneous charge statement, my correspondence with the apartment, and proof that I resided at XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: UT

Complaint narrative:
It has come to my attention that my personal information was compromised in the Equifax data breach. Upon reviewing my credit report, I identified an account that I do not recognize and did not authorize. 

I previously contacted the credit reporting agencies regarding this account, but have not received sufficient information or documentation verifying its legitimacy. As a result of the breach and the presence of unfamiliar data on my report, I have filed a formal identity theft complaint with the FTC. 

Attached to this letter are the following documents for your review : A copy of my government-issued ID The FTC Identity Theft Complaint Documentation from Equifax confirming my data was exposed A Validation of Debt request for the disputed account I request that this matter be investigated immediately, and that the account in question be removed from my credit report if it can not be fully validated with proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXXXXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 2025-05-30 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: CO

Complaint narrative:
credit inquiries are showing up on my credit report that doesn't belong to me.

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