vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/XXXX Subject : Request for Block of Fraudulent Information Under 15 U.S.C. 1681c2 To Whom It May Concern, I am writing to formally dispute and request the immediate removal of several unauthorized and fraudulent accounts, inquiries, and personal information appearing on my credit report, pursuant to 15 U.S. Code 1681c2 of the Fair Credit Reporting Act. This law requires consumer reporting agencies to block information resulting from identity theft once proper documentation is provided. 

The following negative accounts and inquiries were not authorized by me, and I believe they are the result of identity theft : Fraudulent Accounts : XXXX XXXX XXXX Account Number : XXXX Status : {$110.00} Past Due XXXX XXXX Account Number : XXXX Status : Charged Off {$1100.00} Written Off and {$1100.00} Past Due XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Charged Off {$1200.00} Written Off and {$1200.00} Past Due XXXX XXXX  Account Number : XXXX Status : Charged Off {$9900.00} Written Off and {$12000.00} Past Due XXXX XXXX  Account Number : XXXX Status : Account Closed XXXX Late Payments XXXX Account Number : XXXX Status : Charged Off {$11000.00} Written Off and {$11000.00} Past Due XXXX Account Number : XXXX Status : Balance {$4200.00} Late Payments XXXX Account Number : XXXX Status : Balance {$4200.00} Late Payment Unauthorized Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In addition XXXX I request that any other names associated with my credit report be removed. The only correct and valid name that should appear is XXXX XXXX. 

Attached you will find the following documentation : A copy of my government-issued photo ID A copy of my credit report with the disputed accounts and inquiries clearly highlighted A copy of a police report ( or FTC Identity Theft Affidavit ) verifying the identity theft As required under 15 U.S.C. 1681c2, I am requesting that you block the reporting of all the above information from my credit report and confirm the completion of this process in writing. 

Please consider this a formal request and respond promptly. I expect the fraudulent items to be blocked from my credit report within the time frame established by federal law. 

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 2025-04-18 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/XXXX Subject : Request for Block of Fraudulent Information Under 15 U.S.C. 1681c2 To Whom It May Concern, I am writing to formally dispute and request the immediate removal of several unauthorized and fraudulent accounts, inquiries, and personal information appearing on my credit report, pursuant to 15 U.S. Code 1681c2 of the Fair Credit Reporting Act. This law requires consumer reporting agencies to block information resulting from identity theft once proper documentation is provided. 

The following negative accounts and inquiries were not authorized by me, and I believe they are the result of identity theft : Fraudulent Accounts : XXXX XXXX XXXX Account Number : XXXX Status : {$110.00} Past Due XXXX XXXX Account Number : XXXX Status : Charged Off {$1100.00} Written Off and {$1100.00} Past Due XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Charged Off {$1200.00} Written Off and {$1200.00} Past Due XXXX XXXX  Account Number : XXXX Status : Charged Off {$9900.00} Written Off and {$12000.00} Past Due XXXX XXXX  Account Number : XXXX Status : Account Closed XXXX Late Payments XXXX Account Number : XXXX Status : Charged Off {$11000.00} Written Off and {$11000.00} Past Due XXXX Account Number : XXXX Status : Balance {$4200.00} Late Payments XXXX Account Number : XXXX Status : Balance {$4200.00} Late Payment Unauthorized Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In addition XXXX I request that any other names associated with my credit report be removed. The only correct and valid name that should appear is XXXX XXXX. 

Attached you will find the following documentation : A copy of my government-issued photo ID A copy of my credit report with the disputed accounts and inquiries clearly highlighted A copy of a police report ( or FTC Identity Theft Affidavit ) verifying the identity theft As required under 15 U.S.C. 1681c2, I am requesting that you block the reporting of all the above information from my credit report and confirm the completion of this process in writing. 

Please consider this a formal request and respond promptly. I expect the fraudulent items to be blocked from my credit report within the time frame established by federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
My identity has been stolen, and I am seeking your help AGAIN to swiftly remove these fraudulent items. I kindly request that you delete this specific item as soon as possible and ensure that all other incorrect details are promptly updated.

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 2025-04-18 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or l do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. 18 U.S. Code 1028A

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 2025-04-18 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 2025-04-18 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: MN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

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 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: NY

Complaint narrative:
They took about XXXX $ when I filed my taxes I was supposed to get {$5700.00} and they gave me {$4000.00} and I think thats XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-04-18 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: PA

Complaint narrative:
For multiple times of saying this, Ive had my identity stolen and need your assistance to quickly eliminate these fraudulent entries. Please delete this particular item at your earliest convenience and make sure to update all other inaccurate information without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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 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 non-monetary relief
Consumer complaint received 2025-04-18 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: WA

Complaint narrative:
I am a victim of equifax data breach. I have mailed letters, called and they are still requesting I submit proper documentation after I have already done so!

Im requesting these fraudulent accounts be removed from my credit profile.

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 2025-04-18 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: MD

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$32000.00}, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$16000.00}, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$9600.00}, XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$9200.00}, XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$130.00}, XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: MD

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$32000.00}, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$16000.00}, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$9600.00}, XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$9200.00}, XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$130.00}, XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-18 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: FL

Complaint narrative:
am filing this complaint with the CFPB regarding identity theft that has severely damaged my credit profile. Upon reviewing my credit reports, I discovered multiple accounts and inquiries that I did not authorize or open. This fraudulent activity has significantly lowered my credit score and impaired my financial standing. 

After identifying these unauthorized accounts, I promptly contacted the involved financial institutions to report the fraud. Despite providing evidence that I did not open these accounts, I continue to face difficulties getting these items removed from my credit reports. The credit reporting agencies have been unresponsive to my disputes, and the financial institutions continue to report this fraudulent information. 

This situation has created substantial hardship, affecting my ability to obtain necessary credit, secure housing, and even impacting employment opportunities. I have already taken appropriate steps including filing a police report, submitting an FTC Identity Theft Report, and placing fraud alerts on my credit files. 

I am requesting the CFPB 's assistance in requiring these companies to conduct proper investigations, remove all fraudulent information from my credit reports, and restore my credit profile. The continued reporting of this fraudulent information violates my rights under the Fair Credit Reporting Act. 

I am prepared to provide all supporting documentation to substantiate my claims and cooperate fully with any investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/XXXX I was contacted by XXXX XXXX to represent her daughter as an XXXX XXXX. We spoke and I agreed. I then sent her a contract stating I charged {$500.00} for review of all medical records and charged $ XXXX for services after that ( attached ). She sent {$1000.00} to my XXXX account. On XX/XX/XXXX I looked at my XXXX  account and saw that the account was overdrawn {$1000.00}. I knew I had not purchased anything and tried to contact XXXX. 
After 2 days they responded to say a Complaint had been made and they found against me. I was never notified of any Complaint & had no chance to respond. The complaint was fraudulent transfer. I sent XXXX  my contract, bills, and told them I also had XXXX of minutes of phone calls and and text messages. They said they would review. I have not yet heard from them. 
XXXX and XXXX XXXX committed wire fraud, 18 U.S. Code 1343 - Fraud by wire, radio, or television. Wire fraud carries a Federal Sentence of XXXX  years per charge. Further, under United States v. XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ), cert. denied, XXXX XXXX XXXX, they made a false statment to their credit card company. They committed perjury. XXXX failed to make a full investigation into the claim ; they did not contact me for my side of their allegations, making them complicit in wire fraud.

Company response to consumer: Closed with explanation