vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company 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 2025-07-20 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: MI

Complaint narrative:
Immediate deletion of the unverifiable account and written confirmation. I am documenting this for a potential FCRA lawsuit.

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 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In recent years I have had Wells Fargo as a bank. But everytime I open the the account Wells Fargo will keep it open for 48 to 72 hrs then close the account. The only reasons that they keep giving me is that I'm under surveillance and I'm not supposed too have a account with that institution.

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 2025-07-20 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: GA

Complaint narrative:
Name : XXXX XXXX Date of Birth : XX/XX/XXXXXXXX  Last 4 of SSN : XXXX Phone Number : XXXX Address : XXXX XXXX XXXX, XXXX, GA XXXX To the Consumer Financial Protection Bureau, I am submitting this complaint as a victim of identity theft. Accounts have been fraudulently opened or reported in my name without my knowledge, consent, or authorization. These accounts are not mine, and I have never benefited from any services or goods associated with them. 

Despite multiple disputes and requests for validation under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), these fraudulent accounts remain on my credit reports and continue to negatively impact my creditworthiness, financial stability, and peace of mind. 

Under FCRA Section 605B ( 15 U.S. Code 1681c2 ), I have the right to request a block of any information resulting from identity theft, and I am exercising that right. I have also submitted an Identity Theft Report through the FTC, along with a personal statement, valid identification, and supporting documentation. 

Additionally, I have made direct contact with the credit bureaus and debt collectors involved, but have received no resolution. These entities have either failed to investigate properly, failed to provide proper debt validation, or have continued to report inaccurate data in violation of federal law. 

I am requesting the CFPBs assistance in : Ensuring these accounts are immediately and permanently removed from my credit reports. 
Holding any credit bureaus or debt collectors accountable for violations of the FCRA and FDCPA. 
Protecting my consumer rights and restoring the integrity of my credit file. 

Thank you for your attention and for standing up for consumers like me. 

Sincerely, 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 2025-07-20 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: GA

Complaint narrative:
Name : XXXX XXXX Date of Birth : XX/XX/XXXXXXXX  Last 4 of SSN : XXXX Phone Number : XXXX Address : XXXX XXXX XXXX, XXXX, GA XXXX To the Consumer Financial Protection Bureau, I am submitting this complaint as a victim of identity theft. Accounts have been fraudulently opened or reported in my name without my knowledge, consent, or authorization. These accounts are not mine, and I have never benefited from any services or goods associated with them. 

Despite multiple disputes and requests for validation under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), these fraudulent accounts remain on my credit reports and continue to negatively impact my creditworthiness, financial stability, and peace of mind. 

Under FCRA Section 605B ( 15 U.S. Code 1681c2 ), I have the right to request a block of any information resulting from identity theft, and I am exercising that right. I have also submitted an Identity Theft Report through the FTC, along with a personal statement, valid identification, and supporting documentation. 

Additionally, I have made direct contact with the credit bureaus and debt collectors involved, but have received no resolution. These entities have either failed to investigate properly, failed to provide proper debt validation, or have continued to report inaccurate data in violation of federal law. 

I am requesting the CFPBs assistance in : Ensuring these accounts are immediately and permanently removed from my credit reports. 
Holding any credit bureaus or debt collectors accountable for violations of the FCRA and FDCPA. 
Protecting my consumer rights and restoring the integrity of my credit file. 

Thank you for your attention and for standing up for consumers like me. 

Sincerely, 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 2025-07-20 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 formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX 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 2025-07-20 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: OH

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 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 2025-07-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have a complaint with the service for denying me for the applications and all the other agents who gave me a hard time and not wanting to help me. They said they were sorry and I dont believe them. They knew I need money because I have a financial problem.

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 2025-07-20 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: VA

Complaint narrative:
I am writing to formally dispute and demand immediate removal of the following fraudulent account from my credit file : Creditor Name : XXXX XXXX Account Number : XXXX This account does not belong to me, was opened without my knowledge or consent, and is the result of identity theft or clerical misassociation. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates that credit reporting agencies must promptly investigate and remove inaccurate or fraudulent entries. 

This is your final warning. You are on legal notice. I demand that you : Conduct an expedited reinvestigation under FCRA 611. 
Delete the account from my credit file entirely. 
Provide me with written confirmation that the account has been removed. 

Failure to comply will result in immediate escalation. I expect confirmation within 30 calendar days from the date this letter is received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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
Consumer complaint received 2025-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Sent listing for 2 months! Keep getting email from Shellpoint rep XXXX XXXX stating short sale and continue! Selling property and is listing is not a shore sale since i have equity! DONT UNDERSTANG THE CONFUSION ON BANKS PART! SEE EMAILS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I never had a credit line for any company in my credit report until today, I applied to one through capital One, and I was a proved for a XXXX $ credit line. Someone got a credit line form capital one, XXXX XXXX in the past. So the only line I ever applied for and revived was today on XX/XX/year>. Anything in the past was never me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: CA

Complaint narrative:
Creditor : XXXX XXXX  Partial Account Number : * XXXX Reported Status : XXXX through XXXX XXXX XXXX. 

I have repeatedly sent letters and made numerous phone calls to TransUnion and Equifax to correct the reported status of this account. I have also contacted XXXX. This account was not included in bankruptcy. My bankruptcy was filed XX/XX/year>. This account was opened XX/XX/year> and was closed in XX/XX/year>. This account was never listed on the bankruptcy. Please reinvestigate. I ask that the account status be updated to closed. Not included in bankruptcy which is factually inaccurate, or the account removed from my reports. My XXXX  reports were corrected by deleting this account.

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 2025-07-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168. 

XXXX XXXX XXXXP {$5000.00} has violated my rights. 

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions
State: WI

Complaint narrative:
On XX/XX/XXXX, I received a notification from XXXX  that there was a change to my XXXX score. When I checked, I saw that my score had dropped XXXX points due to a newly reported collection from " Rent Recovery Solutions '' dated XX/XX/XXXX, in the amount of {$840.00}. 

I immediately contacted the company and left a voicemail requesting information, but have not received a response. 

I also checked Wisconsin 's Circuit Court Access Program ( CCAP ) and confirmed that there are no judgments or rental-related cases against me. 

I have not rented a property in my own name since XXXX. I do not recognize this debt, and I do not owe this balance. This appears to be a case of either mistaken identity or outdated information. I am disputing the accuracy of this collection and requesting that it be removed if it can not be verified with valid documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: MI

Complaint narrative:
Experian is reporting false information, that needs to be 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 explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
Dear CFPB, Please find all attached documents regarding my complaint against Affirm. It has been over a month, and I still have not received an update or the refund check of {$1100.00} owed to me. 

Thank you for your assistance. 

XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XX/XX/year> Plaza Service XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Subject : Request for Debt Validation Dear Plaza Service, I am writing in response to your [ letter/phone call dated XX/XX/year> regarding an alleged debt you claim I owe. I am requesting that you validate this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following information : 1. The amount of the alleged debt ; 2. The name of the original creditor ; 3. A copy of the original contract or agreement bearing my signature ; 4. Proof that you are legally authorized to collect debts in my state ; 5. A full accounting of how the amount was calculated ; 6. Verification that you have the right to collect this debt on behalf of the original creditor. 

Until you provide this information, I am requesting that you cease all collection activities and not report this debt to any credit reporting agency. If you have already reported it, I request that you inform them the debt is disputed. 

Please note that this is not a refusal to pay, but a request for validation. Pursuant to the FDCPA, you must cease collection efforts until you provide the requested information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: PR

Complaint narrative:
Strong Dispute Case : 1. Unverified Account : I already disputed this with TransUnion, XXXX  and they confirmed no evidence was received from XXXX. Per FCRA 611, this must be deleted. 
2. Continued Reporting After Non-Verification : Under FCRA 623 ( b ) ( 1 ) ( C ), XXXX can not continue reporting a charged-off debt if they don't respond with proof during a dispute. 
3. Outdated or Misleading Reporting : The account is marked " open, '' but also shows " profit and loss write-off '', still reporting on my credit report which typically indicates a closed and charged-off account. This inconsistency could also violate FCRA 607 ( b ), which requires maximum accuracy.

4. No Monthly Payment Listed : This may indicate the debt is no longer actively being collected and are reported recently to my credit report.

5. Mark your Disputes as Frivolous to avoid their inconsistency and lack of accountability.

6. Letters sent requesting to send in written and supporting documentation proof of the investigation never received.

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-07-20 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: AR

Complaint narrative:
I am writing to formally dispute and request the removal of an unauthorized hard inquiry and any associated derogatory items listed on my credit report. I have reviewed my TransUnion credit file and noticed the following entry, which I did not authorize and have no knowledge of : Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/year>XXXX  I have never applied for credit with XXXX XXXX, nor did I authorize this companyor any representative acting on its behalfto access my credit report. Under the Fair Credit Reporting Act ( FCRA ), only entities with a legitimate and permissible purpose may request a copy of a consumer 's credit file, and this inquiry was made without my consent. I am requesting the immediate investigation and permanent removal of this unauthorized inquiry, or any item that may have added connection to this unauthorized access. This inquiry is negatively impacting my credit profile and does not reflect any activity on my part.

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