vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: GA

Complaint narrative:
I am writing to formally dispute fraudulent accounts that appear on my Equifax credit report. Despite multiple disputes and the submission of a police report, Equifax has failed to remove these accounts, which were fraudulently opened in my name. 
My ex-boyfriend, whom I previously lived with, had access to my personal information, including my email accounts, bank accounts, and Social Security card. He broke into my car and stole my wallet, which contained my Social Security card, debit cards, and other personal items. Using my stolen information, he applied for credit cards and various services, funded them with money from my checking account, and made minimal or no payments, leading to these accounts being sent to collections. I have never authorized, used, or made payments on these accounts. I have already filed a police report regarding this theft, which has been approved by the police department, and I have provided a copy to Equifax. 
I have disputed these fraudulent accounts numerous times, yet they remain on my credit report, severely damaging my financial standing. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), Equifax is required to conduct a reasonable investigation into disputed information ( 1681i ), remove inaccurate, incomplete, or unverifiable information within 30 days ( 1681i ( a ) ( 5 ) ), and prevent the inclusion of fraudulent accounts when evidence of identity theft is provided ( 1681c-2 ). Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), debt collectors may not attempt to collect a debt that is not validly owed ( 1692e ). Reporting fraudulent debts as legitimate is a violation of federal law. 
I am requesting that Equifax immediately remove the fraudulent credit card accounts and associated collections from my credit report. Equifax must also cease reporting these fraudulent accounts to other bureaus and creditors and provide written confirmation that they have been removed. I have attached a copy of the police report as evidence of the identity theft. Given the clear proof of fraud, Equifaxs continued reporting of these accounts is unlawful and is causing me significant harm. If this matter is not resolved promptly, I will escalate my complaint to the Federal Trade Commission ( FTC ) and consider legal action for violations of federal consumer protection laws. 
I expect Equifax to comply with its legal obligations and remove these fraudulent accounts immediately. Please confirm receipt of this complaint and provide an update as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
I am filing a formal complaint against Wise regarding a serious security breach on my account, unauthorized transactions, and the company 's failure to resolve the issue despite repeated attempts over the past year. 

On XX/XX/year>, my Wise account was compromised, resulting in unauthorized transactions outlined below that I never authorized or dont even recognize them and wise confirmed it was casued by thier security breach Sent to XXXX XXXX XXXX {$6200.00} Converted XXXX USD to XXXX XXXX  : {$10.00} Sent to XXXX XXXX XXXX XXXX {$5000.00} Sent to XXXX XXXX XXXX XXXX {$5000.00} Wise Card Acquisition : {$9.00} Despite reporting the fraudulent activity immediately, Wise has not refunded my funds or provided a clear explanation of how these transactions were processed without my authorization. Instead, my account was disabled without notice, and my multiple appeals for resolution have been ignored. 

Wise has repeatedly requested the same verification documents, which I have provided multiple times. However, they continue to delay action and refuse to grant me access to my account or process my refund. This lack of communication, failure to secure my funds, and refusal to provide a resolution has caused significant financial and emotional distress. 

I am seeking CFPB 's assistance in holding Wise accountable for : Investigating how these unauthorized transactions occurred. 
Refunding the lost funds immediately. 
Restoring account access or providing a clear reason for its disabling. 
Ensuring Wise improves its security and customer resolution processes. 
Given Wise 's failure to address this issue fairly, I request the CFPB to intervene and help secure a just resolution. 

Complainant : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover pulled my credit report and did a hard inquiry when stated it was a soft pull. I did not authorize discover to do a hard inquiry at all. I called them and basically they said we do a soft then a hard inquiry I said I DID NOT AUTHORIZE YOU TO DO THIS and that's all. I asked for a supervisor and was told they're in a meeting at XXXX stated I would get a call back or I can call XXXX I said I dis not authorize you to pull my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-21 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
FCRA violations : remove accounts that are not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Collection account. $ FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX I had several fraudulent transactions. The amounts were between {$25.00} and {$200.00}. I reach out to cashapp but was unable to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Subject : Cease and Desist & Request for Debt Removal from Credit Report ( Account : XXXX ) To Whom It May Concern, I am writing to formally demand that XXXX XXXX XXXX XXXX immediately cease and desist all collection activities and remove the alleged debt from my credit report in compliance with federal law. This request is being made pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Upon reviewing my credit report, I have identified an inaccurate and unverified debt allegedly reported by your company. Under the FCRA, 15 U.S.C. 1681s-2, information furnished to credit reporting agencies must be accurate, complete, and verifiable. I hereby request that you provide written validation of the debt, including but not limited to : 1. A copy of the original signed agreement or contract that proves my liability for the debt.

2. A full payment history, including all charges and payments made.

3. Proof that your company is legally authorized to collect this debt.

If you are unable to provide this verification within 30 days, I demand that you take immediate action to remove this account from my credit report in accordance with 15 U.S.C. 1681i ( a ). Failure to comply with this request will result in my pursuit of legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

Furthermore, under 15 U.S.C. 1692c ( c ) of the FDCPA, I formally request that XXXX XXXX XXXX XXXX cease all communication with me regarding this matter except to confirm the removal of the debt from my credit report. 
Please confirm in writing within 30 days that this account has been removed. If no response is received, I will be left with no choice but to pursue further legal action. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: GA

Complaint narrative:
ERRONEOUS INFORMATION AND INACCURACIES ARE ON MY CREDIT. THERE ARE ERRONEOUS NAMES, ACCOUNTS ON MY CREDIT REPORT.

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 2025-03-20 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: AZ

Complaint narrative:
This letter is a formal demand for the immediate removal of a fraudulent account appearing on my credit report. This account is not mine and was opened fraudulently without my authorization. I am demanding that you take immediate corrective action as required by the Fair Credit Reporting Act ( FCRA ).

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 2025-03-20 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: IL

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failure to properly investigate consumer disputes, leading to legal action for FCRA violations. This ongoing pattern of noncompliance is unacceptable, and I will not allow my credit profile to be affected by Equifaxs negligence. 

The following accounts require immediate review and correction : Inquiry ( Equifax ) XXXX - Date of Inquiry : XX/XX/year> Federal law ( 15 U.S.C. 1681i ) mandates that Equifax conduct a legitimate reinvestigation of all disputed information within 30 days. Any item that can not be 100 % verified with legitimate documentation must be deleted. These inaccuracies are actively damaging my financial standing, and I demand immediate corrective action. Failure to act promptly will not be ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my report.

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 2025-03-21 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: I.C. System, Inc.
State: OH

Complaint narrative:
I am submitting this formal complaint against XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681 et seq. Specifically, XXXX is reporting inaccurate and unverifiable collection accounts from I.C. Systems, Inc. for {$900.00} and XXXX XXXX XXXX XXXX for {$320.00} on my credit report, as well as an unverified Chapter XXXX bankruptcy. I am requesting an investigation and enforcement action regarding these violations. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) Failure to Maintain Maximum Possible AccuracyExperian has failed to follow reasonable procedures to ensure the accuracy of the information they report. The collections accounts listed above are inaccurate and unverifiable, yet XXXX continues to report them despite my disputes. Additionally, the Chapter XXXX bankruptcy listed on my credit report has not been properly verified as required by the FCRA. 

15 U.S.C. 1681i Failure to Conduct a Proper ReinvestigationI formally disputed these accounts and the Chapter XXXX bankruptcy, but Experian failed to conduct a reasonable reinvestigation. Instead of providing verifiable documentation supporting the validity of these accounts and the bankruptcy, they simply regurgitated the information provided by third-party sources without independent verification.

15 U.S.C. 1681s-2 Furnisher ViolationsThe furnishers, I.C. Systems, Inc. and XXXX XXXX XXXX XXXX, have not provided sufficient documentation proving the validity of these debts. Similarly, XXXX has not verified the accuracy of the Chapter XXXX bankruptcy. Under the FCRA, XXXX is required to ensure that the furnishers comply with their obligations before continuing to report potentially erroneous information.

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 2025-03-21 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: CL Holdings LLC
State: OH

Complaint narrative:
I am submitting this formal complaint against XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681 et seq. Specifically, XXXX is reporting inaccurate and unverifiable collection accounts from XXXX. XXXX, XXXX for {$900.00} and Jefferson Capital Systems XXXX for {$320.00} on my credit report, as well as an unverified Chapter 7 bankruptcy. I am requesting an investigation and enforcement action regarding these violations. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) Failure to Maintain Maximum Possible AccuracyExperian has failed to follow reasonable procedures to ensure the accuracy of the information they report. The collections accounts listed above are inaccurate and unverifiable, yet XXXX continues to report them despite my disputes. Additionally, the Chapter 7 bankruptcy listed on my credit report has not been properly verified as required by the FCRA. 

15 U.S.C. 1681i Failure to Conduct a Proper ReinvestigationI formally disputed these accounts and the Chapter 7 bankruptcy, but XXXX  failed to conduct a reasonable reinvestigation. Instead of providing verifiable documentation supporting the validity of these accounts and the bankruptcy, they simply regurgitated the information provided by third-party sources without independent verification.

15 U.S.C. 1681s-2 Furnisher ViolationsThe furnishers, XXXX. XXXX, XXXX and Jefferson Capital Systems XXXX, have not provided sufficient documentation proving the validity of these debts. Similarly, XXXX has not verified the accuracy of the Chapter 7 bankruptcy. Under the FCRA, XXXX is required to ensure that the furnishers comply with their obligations before continuing to report potentially erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: NY

Complaint narrative:
I demand the swift deletion of these unauthorized inquiries from my credit report, as they are adversely affecting my ability to secure financing and access credit opportunities. Additionally, I expect prompt confirmation or relevant supporting documentation once this issue has been rectified. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I submitted a formal dispute to Equifax regarding multiple inaccurate accounts on my credit report. According to XXXX online portal, the dispute was marked as completed on XX/XX/XXXX, but I never received the dispute results as required by law.Equifax later sent a letter on XX/XX/XXXX, claiming my identification was illegible. This directly contradicts the online status showing the dispute was completed, indicating Equifax did process my dispute and failed to provide the outcome. 

I submitted a second dispute on XX/XX/XXXX. This dispute was marked completed on XX/XX/XXXX, yet I again received no results or verification information from Equifax. 

XXXX actions have violated their legal obligation to provide dispute results and failed to inform me of what was verified, corrected, or deleted. Their contradictory statements and lack of follow-up have caused harm to my credit profile and delayed my ability to resolve reporting errors. 

I am requesting regulatory action to ensure Equifax provides the required dispute results and deletes any unverifiable accounts from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: Freedom Mortgage Company
State: TN

Complaint narrative:
Remove late payment from credit report for XXXX 2024 2024

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