vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: NC

Complaint narrative:
This is a formal dispute of multiple inaccurate, unverifiable, and improperly reported accounts appearing on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Metro 2 Compliance Standards, and applicable state laws. You are required to maintain maximum possible accuracy in reporting consumer information. The accounts and inquiries listed below fail to meet that standard.

You are reporting derogatory information, including delinquency, collections, and inquiries, without providing factual proof of accuracy, verified permissible purpose, or properly certified documentation that fully complies with Metro 2 data reporting requirements. Reporting unverifiable or incomplete data constitutes willful non-compliance under FCRA 1681i ( a ) and Metro 2 standards, which demand accurate, complete, and timely data reporting.

I hereby demand that you immediately provide full physical evidence validating each accounts lawful reporting, contractual authorization, and permissible purpose as defined under FCRA 1681b. If you can not provide such documented evidence, you are obligated to DELETE the reporting entirely from my credit file.

Failure to comply will leave me no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney General, and pursue all available legal remedies.

The following items are being disputed : Personal Information Being Challenged : Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Incorrect DOB : XXXX Incorrect Previous Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX Incorrect Name : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Incorrect Employer : XXXX XXXX XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Accounts Being Challenged : XXXX XXXX XXXX XXXXXXXX - XXXXXXXX XXXX - XXXX Collections Being Challenged : XXXX XXXX XXXX XXXX XXXX  - XXXX Inquiries Being Challenged : ( List ALL inquiries exactly as you provided ) I expect a full investigation and resolution in compliance with FCRA timelines . Provide written documentation confirming either full deletion or verified, fully documented reporting of these accounts within 30 days. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: NC

Complaint narrative:
This is a formal dispute of multiple inaccurate, unverifiable, and improperly reported accounts appearing on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Metro 2 Compliance Standards, and applicable state laws. You are required to maintain maximum possible accuracy in reporting consumer information. The accounts and inquiries listed below fail to meet that standard.

You are reporting derogatory information, including delinquency, collections, and inquiries, without providing factual proof of accuracy, verified permissible purpose, or properly certified documentation that fully complies with Metro 2 data reporting requirements. Reporting unverifiable or incomplete data constitutes willful non-compliance under FCRA 1681i ( a ) and Metro 2 standards, which demand accurate, complete, and timely data reporting.

I hereby demand that you immediately provide full physical evidence validating each accounts lawful reporting, contractual authorization, and permissible purpose as defined under FCRA 1681b. If you can not provide such documented evidence, you are obligated to DELETE the reporting entirely from my credit file.

Failure to comply will leave me no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney General, and pursue all available legal remedies.

The following items are being disputed : Personal Information Being Challenged : Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Incorrect DOB : XXXX Incorrect Previous Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX Incorrect Name : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Incorrect Employer : XXXX XXXX XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Accounts Being Challenged : XXXX XXXX XXXX XXXXXXXX - XXXXXXXX XXXX - XXXX Collections Being Challenged : XXXX XXXX XXXX XXXX XXXX  - XXXX Inquiries Being Challenged : ( List ALL inquiries exactly as you provided ) I expect a full investigation and resolution in compliance with FCRA timelines . Provide written documentation confirming either full deletion or verified, fully documented reporting of these accounts within 30 days. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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:
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 non-monetary relief
Consumer complaint received 2025-06-19 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:
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 2025-06-20 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 inform you that I have been a victim of identity theft. As a result, fraudulent activity has been reported on my credit report, including unauthorized credit inquiries and accounts that I did not open. I request that you take immediate action to investigate and remove any fraudulent information from my credit report. 
I filed a report with the Federal Trade Commission ( FTC ) at XXXX, and I am attaching a copy of my Identity Theft Report. 
I have also filed a police report with XXXX XXXX XXXX XXXX which is attached to this letter. 
Please investigate the fraudulent inquiries and accounts listed on my credit report and take the necessary steps to remove them. I understand that under the Fair Credit Reporting Act ( FCRA ), you are required to investigate the disputed items within XXXX  days and provide me with the results of your 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 2025-06-20 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 am writing to inform you that I have been a victim of identity theft. As a result, fraudulent activity has been reported on my credit report, including unauthorized credit inquiries and accounts that I did not open. I request that you take immediate action to investigate and remove any fraudulent information from my credit report. 
I filed a report with the Federal Trade Commission ( FTC ) at XXXX, and I am attaching a copy of my Identity Theft Report. 
I have also filed a police report with XXXX XXXX XXXX XXXX which is attached to this letter. 
Please investigate the fraudulent inquiries and accounts listed on my credit report and take the necessary steps to remove them. I understand that under the Fair Credit Reporting Act ( FCRA ), you are required to investigate the disputed items within XXXX  days and provide me with the results of your 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 2025-06-20 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: VA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: VA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
Follow-Up on Complaint ID XXXX Date : XX/XX/year> To Whom It May Concern, I am writing to request an urgent update regarding Complaint ID XXXX, originally filed on XX/XX/year>, concerning Western Unions unexplained restriction of access to online money transfer services. 

Despite the passage of several weeks, I have received no meaningful resolution or final update. Western Union has failed to provide a clear explanation, formal closure notice, or documented resolution, leaving the issue unresolved and my access to services still blocked. 

I kindly request the CFPB to : - Provide a status update on this case. 
- Re-engage with Western Union to obtain a proper explanation and closure. 
- Ensure the company is held accountable for its lack of transparency. 

Please confirm receipt of this follow-up and advise on any additional steps required from my end. 

Sincerely, XXXX XXXX XXXX : XXXX / XXXX XXXX : United States

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
I have submitted XXXX formal disputes to Equifax under the Fair Credit Reporting Act ( FCRA ), requesting the removal of multiple inaccurate and unverifiable accounts and inquiries. While XXXX account ( XXXX ) was deleted, Equifax continues to report the remaining accounts as verified yet has never provided the required Method of Verification ( MOV ) or any documentary evidence proving that I am the true owner of these debts.

I have specifically asked Equifax to show : Signed credit applications, Identity verification used at the time of origination, UCC-compliant repossession documentation ( for XXXX ), And authorization for hard inquiries that appear on my report. 

To date, Equifax has failed to provide any of this. Their generic responses claim items are verified, but they do not show how or by whom. This violates FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), which requires Equifax to disclose the method of verification, as well as FCRA 607, which requires accuracy and proper procedures.

I have also asked for the deletion of unauthorized hard inquiries, and again, Equifax has failed to provide any proof that I authorized or initiated them.

I am requesting that the CFPB compel Equifax to : Provide full documentation for all remaining accounts and inquiries, Delete all items they can not verify with proof that the d
ebt is mine, Issue a corrected credit report, And stop reporting information without a legally compliant investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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've obtained a copy of my credit report and noticed i have a variety of unaware and unauthorized accounts and remarks on my report these items have been detrimental to my credit history

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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:
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 2025-06-20 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: AZ

Complaint narrative:
After reviewing my credit report, I found accounts I never opened or approved. These are clearly fraudulent. Please remove them under 15 U.S. Code 1681g. I expect resolution within 15 days. Attached are documents supporting my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: CA

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 non-monetary relief
Consumer complaint received 2025-06-19 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:
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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Account ending in XXXX ) I am disputing a collection account reported by XXXX XXXX XXXX ( original creditor : XXXXXXXX XXXX  ) on my TransUnion credit report. 
While TransUnion correctly classifies this as a collection/chargeoff, the date opened ( XX/XX/year> ) and date of last activity conflict with the other credit bureaus, including XXXX XXXX XXXX 
These discrepancies suggest inaccurate reporting or re-aging of the debt. 
The balance and charge-off amount appear inconsistent with the information provided by XXXX or XXXX XXXX  XXXX and no validation has been provided despite my request. 
I am requesting that TransUnion fully validate this tradeline or delete it if accurate reporting can not be confirmed. 
I have attached screenshots of my tri-bureau report showing the discrepancies. Please mark the item as " disputed '' in compliance with FCRA 1681s-2 ( a ) ( 3 ) and provide written results of the 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 non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B 15 U.S.C. 1681c- that Experian , the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which is now a collection account at XXXX XXXX XXXX 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 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 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
XXXX XXXX I was denied opening an account due to information on consumer report. 

Wells Fargo Denied opening an account due to consumer report.

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