vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX balance {$160.00} XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: NC

Complaint narrative:
I was taking to court for late payments ( although was given invalid information on due date ) I paid the courthouse for the months stayed. The court issued a check to the property and they falsely reported to creditors of a balance unpaid. The balance was significantly higher and kept changing. The months was for bond payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX! I voluntarily moved out on the day rent was due to courthouse again on XX/XX/XXXX! They ended up reporting I owed XXXX $ for months present in XX/XX/XXXX ( as reported on my experian credit report as date opened ). I in fact paid XXXX $ for said months and the courthouse has a receipt ( now given to me as of today XX/XX/XXXX ) sent as a check to them on XX/XX/XXXX. I disputed multiple times and they declined. I went to the courthouse on XX/XX/XXXX and received a copy of my receipts paid to them. I disputed and was told it was not enough. XXXX XXXX ( account owner ) said XXXX XXXX ( property ) said it was not enough and that the receipt has no amount on it paid to XXXX! I spoke to XXXX on my own and they mentioned it also was not enough although the case number, dates and full amount was on it. XXXX XXXX mentioned they have no evidence that the courthouse sent them a check and to reach back out to them as XXXX is suggesting its the courthouse error. So as of TODAY ( XX/XX/XXXX ) I went back to explain and the courthouse house bookkeeper was not happy to hear they were being blamed. The bookkeeper then gave me the same receipts I sent out to XXXX in my dispute, a copy of them paying XXXX the amount, signed it as of today, stamped it and embroidered for FULL validation of money paid on both ends. She then gave me her direct line to communicate to all parties involved to get this resolved as quickly as possible. I have disputed it again this evening with documents and was told to reach back out to XXXX XXXX and XXXX for further assistance. I will be mailing copies of these receipts to ensure everyone has this proof! Its been an emotional & financial hardship, as this has impacted my credit score, derogatory remarks made falsely and the failed attempts to move or purchase a car. I cant even apply for a credit card because this is the largest impact and money owed on my report. These establishments have been rude, hung up on me several times and have not resolved this issue for XXXX years!! Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: OH

Complaint narrative:
Using the service of Wise.com, I transferred to my family in XXXX an amount of {$5000.00} ( XXXX XXXXXXXX XXXX and XXXX cents ) through a XXXX transfer on XX/XX/2025. I had used Wise.com prior to this experience few times without any issues. This time, I made an error by missing one of the digits of the recipient 's bank account. After a week with no news, and out of doubt, I checked the digits of info and found out that I had a missing digit. I reported to Wise.com via customer service on the phone about that error. They took the correct number and said " the money left wise and was sent to the Wise partner bank in XXXX. Due the error, they informed me that they would have to submit a " correct or reject '' request to the middle bank where the middle bank either corrects the error and pushes the transfer to the end user 's bank or rejects to correct it and sends the money bank to Wise.com where Wise would refund the money to me. It is already 85 days and Wise is not answering my simple question of 'where is my money? ". My family needs the money urgently and it can save someone's life. I learned about CFPB today and am so hopeful that I can get my money back and help my family. If anything were to happen to my mother health due to not having the money yet for the XXXX there will be a legal action against Wise.com

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: NY

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. Experian Information Solutions XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
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 2025-04-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-02 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-02 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: NC

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-04-02 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: IA

Complaint narrative:
This complaint concerns the severe and unwarranted negative impact on my credit score caused by XXXX 's inaccurate reporting of my federal student loan accounts. I am writing to formally request immediate action to rectify this situation and restore my credit to its accurate state. 

On XX/XX/XXXX, I received notification from my credit monitoring service of a substantial negative impact on my credit report, reflecting late payments on 13 student loan accounts attributed to XXXX. This was the first time I had ever heard of XXXX. 

My federal student loans were initially serviced by XXXX XXXX. I consistently made monthly interest payments throughout the XXXX forbearance period, from XX/XX/XXXX until XX/XX/XXXX. At that time, XXXX XXXX indicated my account balances were XXXX, leading me to believe my loans had been forgiven, particularly given the ongoing discussions regarding student loan forgiveness for Registered Nurses. 

Upon discovering the credit report discrepancies, I contacted XXXX on XX/XX/XXXX. A representative assured me that my accounts were not delinquent, that I was still in forbearance, and that no payment was due until XX/XX/XXXX. She also initiated a credit adjustment request to remove the erroneous late payment reports. I independently filed a similar request with my credit reporting agency. 

On XX/XX/XXXX, I received a letter from XXXX denying my credit adjustment request. A subsequent call with a XXXX supervisor revealed that they claimed to have notified me of the loan transfer from XXXX XXXX in XXXX. However, the contact information they used was a defunct home phone number. Furthermore, I have no record of any email notification from either XXXX XXXX or XXXX regarding this transfer. 

I am fully prepared and willing to fulfill my student loan obligations. However, XXXX 's actions have severely damaged my creditworthiness. This is particularly detrimental to my family, which includes three children, one of whom will be entering college next year. Additionally, we are planning to build a home on my husband 's family farm to assist his aging parents, a plan now jeopardized by this credit damage. 

I find it unacceptable that XXXX can inflict such severe credit damage without providing adequate and verifiable notification. Their refusal to rectify this situation and their reliance on the federal government as a safety net demonstrates a disregard for consumers. Despite offering to bring my accounts current, the supervisor stated that since I am in forbearance, I can not make payments and that there is no solution to rectify the credit damage.

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 2025-04-02 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: IA

Complaint narrative:
This complaint concerns the severe and unwarranted negative impact on my credit score caused by XXXX 's inaccurate reporting of my federal student loan accounts. I am writing to formally request immediate action to rectify this situation and restore my credit to its accurate state. 

On XX/XX/XXXX, I received notification from my credit monitoring service of a substantial negative impact on my credit report, reflecting late payments on 13 student loan accounts attributed to XXXX. This was the first time I had ever heard of XXXX. 

My federal student loans were initially serviced by XXXX XXXX. I consistently made monthly interest payments throughout the XXXX forbearance period, from XX/XX/XXXX until XX/XX/XXXX. At that time, XXXX XXXX indicated my account balances were XXXX, leading me to believe my loans had been forgiven, particularly given the ongoing discussions regarding student loan forgiveness for XXXX Nurses. 

Upon discovering the credit report discrepancies, I contacted XXXX on XX/XX/XXXX. A representative assured me that my accounts were not delinquent, that I was still in forbearance, and that no payment was due until XX/XX/XXXX. She also initiated a credit adjustment request to remove the erroneous late payment reports. I independently filed a similar request with my credit reporting agency. 

On XX/XX/XXXX, I received a letter from XXXX denying my credit adjustment request. A subsequent call with a XXXX supervisor revealed that they claimed to have notified me of the loan transfer from XXXX XXXX in XXXX. However, the contact information they used was a defunct home phone number. Furthermore, I have no record of any email notification from either XXXX XXXX or XXXX regarding this transfer. 

I am fully prepared and willing to fulfill my student loan obligations. However, XXXX 's actions have severely damaged my creditworthiness. This is particularly detrimental to my family, which includes three children, one of whom will be entering college next year. Additionally, we are planning to build a home on my husband 's family farm to assist his aging parents, a plan now jeopardized by this credit damage. 

I find it unacceptable that XXXX can inflict such severe credit damage without providing adequate and verifiable notification. Their refusal to rectify this situation and their reliance on the federal government as a safety net demonstrates a disregard for consumers. Despite offering to bring my accounts current, the supervisor stated that since I am in forbearance, I can not make payments and that there is no solution to rectify the credit damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX/XXXX/2025 XXXX XX/XX/year>2025 XXXX XXXX/XXXX/2025 XXXX XX/XX/year>2025 XXXX XXXX/XXXX/2025

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 2025-04-02 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX/XXXX/2025 XXXX XX/XX/year>2025 XXXX XXXX/XXXX/2025 XXXX XX/XX/year>2025 XXXX XXXX/XXXX/2025

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