vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: DC

Complaint narrative:
Incident Report : Auto Insurance Scam Involving XXXX Impersonation Date of Incident : Wednesday, XX/XX/XXXX Location : [ Insert dealership location, e.g., XXXX XXXX DC ] Purpose of Visit : Vehicle purchase for daily commute from DC to Maryland Summary : On XX/XX/XXXX, I visited a local car dealership with the intent to purchase a vehicle. After selecting a car, I was informed that I needed to obtain auto insurance before taking the car off the lot. 

Since my parents and grandparents have been lifelong XXXX members, I chose XXXX as my auto insurance provider. I searched XXXX car insurance number on XXXX and clicked on the first result. Unfortunately, I now realize that the link led to a fraudulent site impersonating XXXX. 

I called the number listed and spoke with a woman who claimed to be a XXXX representative. I told her I was a first-time car buyer unfamiliar with the process. She asked standard questions to generate a quotevehicle details, my address, commute information, etc. 

After about XXXX minutes, she quoted me a monthly premium and offered a discount if I paid the annual premium in full. She instructed me to send the payment via wire transfer in XXXX installments. At one point, she asked me to list the recipient as the " Head of Accounting '' a request that, in hindsight, should have raised a red flag. 

When the wire transfer failed, she placed me on hold and later instructed me to send the funds using the Wise app. I followed her directions. After the transfer, I received an email from someone identifying themselves as XXXX Washington ( email : XXXX ) confirming payment and stating that my policy number would be sent shortly. 

I never received a policy number. 

After further investigation, I realized I had not been dealing with XXXX at all. I immediately contacted my bank to try to stop the payment, but the transactions had already gone through. Fortunately, XXXX XXXX was able to halt the withdrawal of funds from my account. 

However, Wise has been uncooperative. They are : Demanding that I repay the funds, despite me being the victim of fraud Failing to provide a thorough explanation of their investigation into the scammer Scammer Information : Phone Number : XXXX Email Address : XXXX Alias Used : XXXXXXXX XXXX Platform Used for Payment : Wise ( formerly TransferWise ) Actions Taken : Reported the incident to XXXX XXXX, which successfully blocked the outgoing payments. 

Attempted to resolve the issue with Wise, but they have provided minimal support. 

Planning to file formal complaints with the Federal Trade Commission ( FTC ) and local law enforcement. 

Intend to notify XXXX about the impersonation and request an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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 a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX  XXXX # XXXX Date Opened XX/XX/XXXX Balance {$3200.00} Account Name : XXXX XXXXXXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX Balance {$220.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/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 2025-09-30 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: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within XXXX ( XXXX ) business days. 


The following information on my credit report is the result of identity theft and must be frozen : XXXX XXXX  XXXX - XXXXXXXX XXXX  CARD - XXXX XXXX  - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of XXXX year, after which I may request an extension. During this time, no information may be reported. 
I have contacted EXPERIAN multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than XXXX  days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 
Specifically, my XXXX XXXX XXXX account is being reported with four late payments on my credit reports from [ Experian / TransUnion ], which I believe is factually incorrect. Also says the account was close XX/XX/year>, when it was close XX/XX/year>. 

HoweveXXXX XXXX is reporting this same account with no missed or late payments, which aligns with my records. I have never been 30 or more days late on this account. The late payments listed on your report appear to be erroneous. 
Under the FCRA, credit reporting agencies and furnishers are required to : Conduct a reasonable investigation into any disputed information ( 1681i ), Correct or delete any information that is found to be inaccurate, incomplete, or unverifiable ( 1681c-2 ), Respond within 30 days of receiving a dispute ( 1681i ( a ) ( 1 ) ( A ) ). 
Please conduct a thorough investigation of this account and verify the reporting with XXXX XXXX XXXX. I am requesting that all inaccurate late payment entries be removed from my credit report and that the account reflect accurate, on-time payment history, consistent with whXXXX XXXX XXXXs reporting. 
Enclosed Documentation : Copy of my credit report showing the inaccurate reporting ( Experian/TransUnion ) Copy of XXXX report showing no missed payments

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
incorrect information on my report addresses and phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
incorrect information on my report addresses and phone number

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 2025-09-30 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Last 4 SSN : XXXX Date : XX/XX/XXXX Via Certified Mail Return Receipt Requested Experian P.O. XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I hereby dispute the accuracy and completeness of the following accounts, inquiries, and obsolete personal information on my Experian credit report, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), including 1681i, 1681e ( b ), 1681c, 1681b, and 1681i ( a ) ( 5 ). 



Accounts in Dispute ( Verify without e-OSCAR or automated systems ) : XXXX Account Number : XXXX This account is inaccurate and/or unverifiable. If you can not fully verify it, please delete it immediately as required by law. 



Old and Obsolete Addresses to Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( non-unit address ), XXXX XXXX XXXXXXXX These addresses are outdated and no longer associated with me. Please remove them to ensure the accuracy of my credit file. 



Unverified or Obsolete Hard Inquiries to Remove : 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 These inquiries were either unauthorized or no longer relevant. Please investigate and remove them as appropriate under the FCRA. 



Please remove or correct all outdated and inaccurate data to ensure maximum accuracy of my credit file, as required under 1681e ( b ).

I request a full written report detailing your verification process, including contact information for data furnishers and the documentation you relied upon for each item. Any deleted item must not be reinserted into my credit file without proper certification and notice, in accordance with 1681i ( a ) ( 5 ). Also, per 1681i ( d ), please notify all recipients of my credit report of any corrections or deletions made.

Enclosed are copies of my government-issued photo ID and proof of current address for identity verification. 

I expect your full compliance and a written response within the timeframe allowed by law. Failure to comply may result in further action. 



Sincerely, XXXX XXXX PLEASE PROVIDE THE INFORMATION USED TO VALIDATE THIS DEBT

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 2025-09-30 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: OH

Complaint narrative:
This complaint is submitted under FCR

A 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account. These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-09-30 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: OH

Complaint narrative:
This complaint is submitted under FCR

A 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account. These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I submitted two fraud claims with my checking account at Wells Fargo. One was for {$900.00} and the other {$630.00}. They denied my claim but sent me another card. 

I submitted the claim on 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 2025-09-30 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 writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

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 2025-09-30 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: CT

Complaint narrative:
I am formally disputing the accuracy, completeness, and verification of the following accounts currently appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ], I have the right to dispute any item I believe to be inaccurate, incomplete, or unverifiable. I request a reinvestigation of the accounts listed below and a written response reflecting the results of your investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If any of these accounts can not be fully verified, or if they are found to be inaccurate, outdated, or duplicated, they must be corrected or removed in compliance with the FCRA. I also request a complete explanation of your findings and confirmation of any corrections made to my credit file.

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 2025-09-30 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: CT

Complaint narrative:
I am formally disputing the accuracy, completeness, and verification of the following accounts currently appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ], I have the right to dispute any item I believe to be inaccurate, incomplete, or unverifiable. I request a reinvestigation of the accounts listed below and a written response reflecting the results of your investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If any of these accounts can not be fully verified, or if they are found to be inaccurate, outdated, or duplicated, they must be corrected or removed in compliance with the FCRA. I also request a complete explanation of your findings and confirmation of any corrections made to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: NC

Complaint narrative:
I am a victim of identity theft. Someone has used my personal information to get a car loan. Ive never gave anyone permission or authorization to open this account without my permission or 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 2025-09-30 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:
I am a victim of identity theft. Someone has used my personal information to get a car loan. Ive never gave anyone permission or authorization to open this account without my permission or consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding PNC MORTGAGEs failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX  and XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. PNC MORTGAGE has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

PNC MORTGAGE XXXX

Company response to consumer: Closed with explanation