vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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:
URGENT LEGAL DELETION DEMAND FCRA 605B + RENTBUREAU BLOCK + NO FRAUD FLAGS RE : FRAUDULENT ACCOUNTS DUE TO DATA BREACH | IMMEDIATE REMOVAL OF ALL ENTRIES | LEGAL NOTICE To Whom It May Concern : This is a formal, federally protected dispute and identity theft deletion demand under the Fair Credit Reporting Act ( FCRA 605B / 15 U.S.C. 1681c-2 ) and Fair Debt Collection Practices Act ( FDCPA ).

Due to a confirmed data breach, multiple fraudulent credit and rental entries have been created in my name without my knowledge, consent, or authorization. These entries have no legal basis, have been repeatedly denied in error, and are now causing severe financial, housing, and emotional harm.

FRAUDULENT ACCOUNTS TO DELETE ( ALL AGENCIES + RENT REPORTING ) : XXXX XXXX {$7900.00} XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent rental collection ( NOT MINE ) This rental item is believed to be hidden on Experian RentBureau and others it must be deleted immediately from all rental and

traditional credit files. It is tied to a fraudulent lease and unauthorized debt and is preventing me from obtaining housing. DO NOT ADD ANY FRAUD FLAGS OR VICTIM STATEMENTS : You are legally forbidden from adding or maintaining : Fraud alerts Consumer statements Credit freezes Victim notations These alerts cause automatic denials and violate my right to unbiased access to credit and housing. FEDERAL LAWS YOU ARE BOUND BY : FCRA 605B Requires deletion/blocking of identity theft entries within 4 business days FCRA 611 Requires reinvestigation or deletion of unverifiable/fraudulent data FDCPA 809 Prohibits continued collection on disputed/unauthorized accounts FTC + CFPB enforcement Authorize immediate deletion for noncompliance ATTACHED : My FTC Identity Theft Report Copy of my government-issued ID DEADLINE : If these entries are not permanently deleted within 48 hours, I will : 1. Pursue legal action for damages, emotional distress, and credit discrimination 2. Initiate public consumer reporting and press filings against your failure to act This letter and packet constitute formal legal notice. I am not liable for these debts or entries and did not authorize them in any way. I demand full removal of all fraudulent accounts and all associated rental or lease collections from every traditional credit report and every rent reporting database immediately. This is not a requestit is a legal requirement. Signed Fraud Affidavit ( see below ) I declare under penalty of perjury that I am not responsible for the above accounts. I was affected by a data breach and did not authorize these debts. I demand full deletion of these records and full removal of fraud flags or alerts from my credit profile. 
XXXXXXXX XXXX XXXX XXXXXX/XX/year> Sincerely, XXXX XXXX Email : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: CT

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-28 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: CT

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I've recently received a copy of my credit report and notice several inaccuracies and unauthorized accounts information reporting to my credit report. These remarks have been detrimental to my life in credit health. I am writing to formally request the removal of an account that is currently listed on my credit report according to a recent investigation conducted by Wells Fargo. The checking account reference in the documents provided by Wells Fargo, which was used as proof of activity for the associated credit card, has already been thoroughly investigated. Wells Fargo determined that the checking account in question does not belong to me as I stated from the very beginning.

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 2025-06-28 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit International Corporation
State: WA

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> RE : Collection Attempt on Time-Barred Debt for a Defunct Business To Whom It May Concern, I am writing in response to your attempt to collect a debt allegedly owed by a business that has been closed and legally defunct for over XXXX XXXX. Please be advised that under Washington XXXX law, there are strict time limits ( statutes of limitations ) governing how long a debt XXXX be legally pursued. 

XXXX XXXX generally provides a six-year statute of limitations for written contracts and accounts. If the last activity on this alleged debt occurred more than XXXX years ago, the debt is considered time-barred and is no longer legally enforceable through the courts. XXXX XXXX XXXX XXXX XXXX ) Moreover, as the company in question ceased operations XXXX years ago and no longer exists as a legal entity, it can not be held liable for new or ongoing financial obligations. Any attempt to collect from a dissolved business after such a period is both improper and potentially a violation of the Fair Debt Collection Practices Act ( FDCPA ), particularly if you continue to pursue collection knowing the debt is unenforceable. 
I am requesting that you immediately cancel all collection activities related to this matter, refund money collected from my pay check and confirm in writing that this account has been closed in your system. 

Please also provide written documentation verifying the date of the last payment or activity on the account and any legal basis you believe justifies continued collection attempts despite the businesss dissolution and the expiration of the statute of limitations. 

Thank you for your prompt attention. Please return the funds and provide a written response within XXXX business days of the date of this letter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Cc : 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 2025-06-28 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: MO

Complaint narrative:
Let me be unequivocalthis complaint is valid and must not be dismissed. My credit report contains inaccurate and misleading information that clearly fails to meet the standard of maximum possible accuracy, as required by law. These errors are not minor ; they are having a significant and ongoing impact on my financial stability and personal well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: MA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Porania, LLC
State: NV

Complaint narrative:
Subject : Request for Review of XXXX  Reporting Dear CFPB, I hope this letter finds you well. I am writing to formally address an issue regarding a bankruptcy that has been reported on my credit report for the past XXXX years. My name is [ Your Full Name ], and my Social Security number is [ Your SSN or the last XXXX digits, if preferred for privacy ]. 

According to the Fair Credit Reporting Act ( FCRA ), negative information, including XXXX, should only remain on a credit report for a maximum of XXXX years from the date of filing. As of XXXX XXXX, my XXXX  should have been removed from my credit report by now. However, I have noticed that it is still being reported. 

I kindly request your assistance in reviewing this matter. I am seeking guidance on how I can rectify this situation and ensure that my credit report accurately reflects my financial history. I would appreciate any information or steps you can provide to help me resolve this issue. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-06-28 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: MD

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-06-28 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: MD

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: CT

Complaint narrative:
I have a XXXX account on cash app and have been transferring my bitcoins with the upper transfer limit 2000 $ a day and XXXX $ a week to my XXXX  account. 
I have been transferring the maximal allowed amount to my preferred wallet for the past 3 months which is generally annoying as it would probably take me XXXX weeks to transfer the desired amount I contacted the cash app support team to allow bigger transfers with no success. 
Yesterday they blocked my transfers due to fears of spam transfers I appreciate the security but now after talking to the support team they are no unblocking my transfers despite verification needed So I decided to escalate to resume XXXX transfers Appreciate your help XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-28 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
On XXXX XXXX, my son deposited a check into our account that he received from a friend to help us move in the amount of {$3500.00} into M & T Bank. 
We received a notice that the Account would be on hold for XXXX days after the check had already been cashed into his account. 
We have not had access to the account since XX/XX/year> and now have no access to the funds that we need to move and pay rent. 
We can not receive any help or resolution to this matter from M & T customer service. 
I hope you can help us as we are in a desperate situation. 
Thank you-

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 2025-06-28 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: CBC Companies, Inc.
State: TX

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 explanation
Consumer complaint received 2025-06-28 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: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation