vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: NJ

Complaint narrative:
I AM A VICTIM OF XXXX AND THE INFORMATION LISTED BELOW, WHICH APPEARS ON MY CREDIT REPORT IS THE RESULT OF THE XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE DELETE FROM MY REPORT AND BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PLEASE SEND ME NOTIFICATION OF THE ACTION TAKEN IAPPRECIATE YOUR PROMPT ATTENTION IN THIS MATTER. 

SINCERELY, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-05-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filling this correction statement to address and clarify the current status of the following financial accounts and balances. This information is provided in good faith and is accurate to the best of my knowledge as of the date listed above. This correction is submitted in accordance with the Fair Credit Reporting Act ( FCRA ), which grants consumers the right to dispute inaccurate or incomplete information in their credit records. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX BALANCED {$3700.00} XXXX  XXXX XXXX BALANCED {$2900.00} XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  {$1300.00} XXXX  XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: PA

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with 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 ( XXXX ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-22 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:
The items listed below are reported on my personal credit file and were found in my reports with 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 ( XXXX ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within XXXX ( XXXX ) business days of receiving this letter. These are the list of Items need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: NY

Complaint narrative:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested this account listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with XXXX compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions. 

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed accounts. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law. 

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights. You have 30 days from the date of this letter to provide the following : 1. Actual verification of the disputed account, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2. A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3. The names, contact information, and job titles of the individuals who handled my dispute.

4. A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs.

These accounts do not belong to me, as they are fraudulent. The banks have agreed to remove these accounts from my records. Im confused why you still feel theyre reporting accurately. Please see these accounts are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: PA

Complaint narrative:
I respectfully request the removal and blocking of the unauthorized accounts listed on my credit report. I did not open these accounts, nor did I provide any authorization for them. As outlined in USC 1681g, I am formally requesting their removal within 15 days. I have included all relevant documents for your reference. The information reported is not only incorrect but also varies across the different credit bureaus.

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 2025-05-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: MD

Complaint narrative:
The amount balance is now {$6900.00} and the date is XX/XX/year>. and they kept adding the amount

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
I am writing to formally request the immediate removal of all my personal and credit information from your records. This request is made in light of the recent data breach involving your agency, which exposed my sensitive data and caused significant financial and emotional harm. 

As a result of your mishandling of my information, I have experienced harassment financial loss and emotional damages. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to privacy and accurate reporting, and I believe that my data has been compromised due to your negligence. 

Given these circumstances, I request that you : Immediately delete all personal, financial, and credit information related to me from your databases. 

Confirm in writing that my information has been removed and that no further data related to me will be retained or shared. 
Cease any further reporting or sharing of my information unless explicitly authorized by me in writing. 
Please provide a written response within 15 business days confirming the removal of my data. If you fail to comply, I am prepared to escalate this matter to relevant regulatory authorities and seek legal remedies. 

Thank you for your prompt attention to this serious 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 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am sick and tired of Wells Fargo 's claim standards. I always get temporary credit for lodging transaction disputes. This time was an exception. When I call the bank, the operators and the supervisors ' treatment towards me is unspeakable and unacceptable. What the XXXX do these phone operators and supervisors think of themselves!? I do NOT take anyone 's XXXX XXXX XXXX XXXX If someone will give their XXXX XXXX XXXX XXXX  to me, I will give my XXXX XXXX XXXX XXXX  back to them I have been overcharged by the merchant by {$19.00}. Top of that, the merchant after issuing a refund went ahead and cancelled the refund. The person who cancelled the refund said he didn't, but his colleagues confirmed otherwise. 

They have my bank card details and the merchant will continue to fraudulently charge my account as they wish. I asked Wells Fargo to place a stop on this merchant ; I am not sure if that has been done, because the operator was trying to overpower me. 

Calling Wells Fargo is like making your day go bad. " I am trying to help you '' - please don't say this line, this line of yours doesn't have any value if your actions don't fall in place with what you are saying. 

I am sick and tired of arguing with Wells Fargo 's call center operators! But if that's what you want, then that's how it will be from my end!

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 2025-05-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I manually asked Equifax to unblock my credit report for promotional purposes. When checking today, my credit report ( generated as of today ) shows that my file is still blocked for promotional purposes. I have already opted back into promotions over a month ago via optoutprescreen.com and also contacted your company by phone afterwards, and it was confirmed as corrected. Why is my credit report still reflecting that my file is blocked?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: CT

Complaint narrative:
I am submitting this complaint regarding several accounts currently being reported on my credit file. After reviewing my credit report, I identified multiple itemsboth personal information and account-level datathat I believe are inaccurate, incomplete, or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute such information, and I have exercised that right through a detailed letter listing each account and the specific information I am challenging. I am requesting that Transunion properly acknowledge my dispute, and more importantly, conduct a full and thorough investigation at the account level. Each disputed item must be verified, corrected, or modified. If any of the disputed information can not be fully verified and corrected, then the account must be considered inaccurate or incomplete and should be removed from my credit report in accordance with FCRA. The source of my belief that the reporting is inaccurate and incomplete is the credit report I obtained through XXXX ( Equifax Report Confirmation Number XXXX, which I have attached to this complaint in support of my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My name is XXXX XXXX XXXX, and I am writing to dispute fraudulent accounts that appear in my credit report. Recently reviewing my credit report, I discovered fraudulent accounts that I did not initiate. In this matter I create an account and filled out an Identity theft report. 
The details of the fraudulent accounts are as follows : Account info Account name XXXX XXXX Account number XXXX Account type Collection Date opened XX/XX/XXXX Status Collection Account info Account name XXXXXXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged

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 2025-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: WA

Complaint narrative:
On XX/XX/year> I filed credit card fraud and debit card disputes as there were unauthorized transactions on my account. After following the investigative process of this, I was awarded provisional credit. On XX/XX/year> I was informed the provisional credit to both my credit card and debit card were permanent, and that it was confirmed that fraud occurred. 

The exact day I filed these disputes ( XX/XX/year> ), I was notified by trans union my credit score went down. Do note, I have proof from the view of credit karmas overview, which encompasses Trans Union data. In addition, this has been verbally confirmed to me via trans union repersentatives. After checking trans union online, I was informed that there were XXXX accounts connected with my trans union account and that my score dropped from high XXXX to XXXX. After calling TransUnion, I was informed that this was because my bank did not send my most recent credit report over to them. Once this report is sent, my credit score would go back. 

I then contacted customer service, on XX/XX/year>, who told me that my credit report automatically sends every 30 days. It is now XXXX, and my credit report has already been been sent over to TransUnion ( By my bank ) for evaluation and to be applied to my Trans Union Score XXXX This report still has not been applied, even though my bank sent it over. This is my only credit card meaning my credit score is at XXXX. I am moving soon and need TransUnion to see my most recent credit report to provide me with a score and return my score. 

I wrote to both my bank and trans union on XX/XX/year>, this same letter. I did not receive a response, from my bank, and trans union wrote me back stating that the information I disputed does not currently appear on my trans union account and that they do not understand my request. In addiition, I have written trans union with my credit account information asking them to add this information into my account with them allowing for a credit score to populate. Trans union has stated the only way this can change, is if my bank sends them my account information via a credit report sent every 30 days, which is already happening. 

I am requesting that this trans union error is solved. I am requesting that my credit report for my credit card account with XXXX XXXX  is uploaded onto my trans union account, resulting in my score being reinstated. I am requesting account history reporting.

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