vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Urgent Request for Assistance with Mistaken XXXX Payment {$490.00} On XX/XX/XXXX at approximately XXXX XXXX, during a heated argument with my brother and while running late to work, I attempted to send him a payment of {$490.00} via XXXX. In my frustration, I accidentally sent the money to the wrong recipient. I immediately realized the mistake and contacted the individual who received the fundsMakaela, a XXXX woman I had recently connected with on XXXX. 

Initially, XXXX responded and acknowledged understanding the situation. She stated she would return the funds but later became suspicious and eventually refused, claiming fear of her account being flagged or closed. Despite my clear explanation and multiple attempts to resolve the matter respectfully, she is now refusing to return the money. 

I have saved screenshots of our entire conversation as proof and can provide her full name and phone number if needed for further investigation. Although I filed a dispute with Wells Fargo, Ive been informed that XXXX does not guarantee refunds for mistaken transactions. Both institutions have so far declined to reverse or investigate the payment. 

I am urgently requesting that either XXXX or Wells Fargo take appropriate action to help recover my {$490.00}, which is still being withheld. I am prepared to pursue further legal action, including filing a police report or civil complaint, if necessary. Please assist me in retrieving my funds. 

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 explanation
Consumer complaint received 2025-06-17 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:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. This conduct is in direct violation of federal law and my consumer rights. 
The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations.

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the New York State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs.

The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I am writing to formally dispute the reporting of a collection account by * * IC SYSTEM * * with an alleged balance of * * {$480.00} * *, reportedly opened on * * XX/XX/year> * *. 

Under the * * Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681e ( b ) * *, consumer reporting agencies are legally required to maintain * * maximum possible accuracy * * of the information contained in a consumers credit file. The continued reporting of this account, which has been marked as " placed for collection, '' is being disputed due to multiple inconsistencies and a * * potential data breach * *.

* * Heres whats wrong : * * 1. * * I was never properly notified * * of this accounts placement for collection or any validation of the alleged debt.

2. * * There is no proof of original creditor validation * * or my authorization for this debt.

3. There have been recent, widespread * * data breaches impacting credit reporting and collection agencies * *, which raise serious concerns about the integrity and security of this data.

4. As required by * * 15 USC 1681c-2 * *, any information resulting from identity theft or compromise must be blocked or removed upon a proper request and supporting documentation. 

Therefore, under the * * XXXX XXXX XXXX XXXX * * and the * * FCRA * *, I am requesting the following : - An immediate * * investigation * * of this account, including validation from the original creditor. 
- Suspension of reporting during the investigation, as required under FCRA. 
- If the item can not be 100 % verified with documented proof, * * permanently remove it from my credit file * *. 
- Provide a * * written response within 30 days * *, as required by law. 



Please update my file and send confirmation of the investigation results to the address listed above.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
I wrote XXXX XXXX  and Midland Credit Management XX/XX/year>. I asked could they send me any documentation proving that I owe the debt listed in my credit report. I also called and they didnt have any information on me having an account. I havent received anything from either company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Hello to whom it may concern XXXX XXXX XXXX XXXX intentionally throw away. Disregard FTC reports sent through the CFPB. Im requesting these agencies be put under investigation.

I did not open these accounts remove these accounts from my profile immediately under session 605BFCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
With Capital one I had a checking account with them years ago, upon moving to XXXX XXXX this credit card showed up. I didn't have a credit card with them. The amount is {$510.00}. There used to be two credit cards and they removed one but aren't budging on this one. Every time I dispute them they just restart the length of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: HI

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
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 2025-06-17 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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
Consumer complaint received 2025-06-17 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:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICE I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT. 

XXXX XXXX  XXXX XXXX XX/XX/XXXX {$1700.00} This company is violating the provisions of the Fair Credit Reporting Act of XXXX, 15 U.S.C. 1681 et seq. As well as ( FCRA ) 15 U.S. Code 1681 ( 2Xi ) ( FCRA ) 15 U.S. Code 1666b also ( FCRA ) 15 U.S. Code 1635 and ( FCRA ) 15 U.S. Code 1692.

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 2025-06-17 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:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICE I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT. 

XXXX XXXX  XXXX XXXX XX/XX/XXXX {$1700.00} This company is violating the provisions of the Fair Credit Reporting Act of XXXX, 15 U.S.C. 1681 et seq. As well as ( FCRA ) 15 U.S. Code 1681 ( 2Xi ) ( FCRA ) 15 U.S. Code 1666b also ( FCRA ) 15 U.S. Code 1635 and ( FCRA ) 15 U.S. Code 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: AL

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

INQUIRIES : 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 2025-06-17 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: AL

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

INQUIRIES : 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 2025-06-17 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: OH

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
I am a confirmed victim of identity theft due to the XXXX  data breach, where my personal information was compromised. Fraudulent accounts and inquiries have since appeared on my credit report without my authorization. I submitted a formal dispute with all required documents under the Fair Credit Reporting Act ( FCRA ) Section 605B, including proof of identity theft and confirmation from XXXX  that my information was impacted. Per FCRA 605B, the credit bureaus are legally required to block and delete all information resulting from identity theft within four ( 4 ) business days of receiving proper documentation. This law mandates immediate action. I am requesting the immediate deletion of these fraudulent accounts and inquiries. Failure to comply will result in legal escalation and enforcement under FCRA 616 & 617 for damages due to willful noncompliance.

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 2025-06-17 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 credit inquiry does not belong on my record. It was not initiated by me, and I was not notified. Please rectify this mistake by deleting the inquiry 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 non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
b'Certified tracking number: XXXX XXXX XXXX XXXX XXXXThis following dispute was sent to the credit reporting agency.\n\nThis notice serves as a demand for the permanent deletion of data currently being reported on my credit file that are inaccurate, incomplete, outdated, or unverifiable.\nPursuant to my rights under the Fair Credit Reporting Act (FCRA), originally enacted as Public Law No. 91-508 which was enacted in 1970 to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies (CRAs).\n15 U.S.C.  1681s-2(a) - Duty to correct and update information.\n15 U.S.C.  1681i(a)(5) - Treatment of inaccurate or unverifiable information.\nYou must complete the reinvestigation and deletion in satisfaction with 15 U.S. Code  1681i - Procedure in case of disputed accuracy. For quicker responses you may reply to the email provided on the top left corner of this notice.\nTo verify my identity, I have included the following documents:\n 1 copy of my government-issued ID\n\n\nProof of current address\nFull of credit report, pages 1-36\nYou have 30 calendar days from receipt of this notice to act.\nTank'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reviewed my credit report and found incorrect personal information, including my name and/or address. My legal name is XXXX XXXX XXXX XXXX and my correct address is XXXX XXXX XXXX XXXXXXXX, FL XXXX. These errors can lead to misidentification and affect my credit profile. 

I submitted dispute letters with supporting documents to each bureau, requesting correction under the FCRA. Please assist me in ensuring these corrections are processed accurately and promptly.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
Im disputing the validity of this account on my credit reportsI have never enter into a contract with this creditor : CREDENCE RESOURCE MANAGEMENT- Acct # XXXX XXXX Credit Reporting discrepancy. They removed and added back XX/XX/2025. 

Reported under XXXX Credit Bureau # XXXXXXXX XXXX XXXX XXXX Im requesting that these items being removed personal credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX I got a call from a a person posing to be a bank representative from wells fargo posing to be my bank. They had all my account information they were reading to me and everything which made it look believable. They had told me somebody at a wells fargo branch was giving out information and told me I needed to move the money into another bank account. And since they had my transactions being read out to me it was believable. The next day I went into the branch and withdrawed {$11000.00}. After they gave me a temporary card which I usually would get if random transactions would exit my account. After that they told me go to an ATM and deposit the money into the machine. After I did that they hung up the phone on me. After that I instantly made a claim for a fraudulent charge, and ever since Ive been trying to get reimbursed and my account is under 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 2025-06-17 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:
I am formally disputing the presence of unauthorized accounts on my credit file. I had no knowledge of or involvement in their creation. Pursuant to 15 U.S. Code 1681g, I request their deletion within 15 days. Attached are documents verifying my claim.

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