vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-12-04 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: MO

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within XXXX  days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My Wells Fargo XXXX debit card information was used fraudulently. I did not make these purchases and notified Wells Fargo immediately when I saw them still pending in my account. They cancelled my business debit card immediately. They have denied my claim and closed the investigation. I did not make these purchases that exceed {$8000.00}!!

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 2025-12-04 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 facing a very difficult time as a victim of identity theft. These accounts were opened without my knowledge or consent. This ongoing fraudulent activity is causing me significant distress and disrupting my daily life. 

The Accounts Include : XXXX XXXX - Credit Card. Opened in XX/XX/XXXX XXXX XXXX - XXXX Loan - Opened in XX/XX/XXXX XXXX XXXX - XXXX Support - Opened in XX/XX/XXXX XXXX - Collection - Opened in XX/XX/XXXX XXXX XXXX XXXX - Collection - XX/XX/XXXX XXXX XXXX - Collection - Opened in XX/XX/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 2025-12-03 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: PA

Complaint narrative:
Experian is reporting several inaccurate, outdated, unmailable, and undeliverable addresses on my credit file. These addresses do not belong to me and should not appear in the personal information section of my consumer report. I am requesting assistance with having these incorrect addresses removed because they are not connected to me, not current, and not deliverable.

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 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
To Whom It May Concern : I am writing to formally notify you that, pursuant to my rights under the federal Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to demand an end to all communication with me, my family, friends, and employer regarding the alleged debt referenced above. Please do not contact me at home, at work, on my cell phone, or at any other location, by phone, mail, email, or any other form of communication. The FDCPA, Section 805 ( c ), requires you to cease all further communication after receiving this written notice. The only exceptions are to inform me that : You are terminating your collection efforts. You are invoking specific remedies which are ordinarily invoked by you or your company. You intend to file a lawsuit or pursue a specified legal remedy. 
Any contact other than for these limited purposes will be considered a violation of my rights under the FDCPA, and I will immediately file a complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my state 's Attorney General 's office. I also demand that you provide written verification of the alleged debt, including the name and address of the original creditor and the current amount owed. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BOEING EMPLOYEES' CREDIT UNION
State: KY

Complaint narrative:
This is a very unique situation where it has come to my knowledge that a potential power of attorney and conservatorship account was opened in my name without my knowledge and/or consent with your institution. This was done in my maiden name which is different the name associated with this CFPB account. Same social security number but different name. This all stems from a large inheritance being withheld from me as a young girl as the sole heir of the familys wealth left to me by my great grandparents and grandparents. Over the years I have had significant health challenges committed against me in addition to extreme accounts of medical fraud committed to my medical records placing me on XXXX wrongfully. This level of fraud includes severe postal service fraud with many mailings different mailing addressed being opened up over the past XXXX years without my knowledge and/or consent to receive the courts notices. My driver 's license, birth certificate, and every personal identity documents that could be used to open an account was stolen from me over the years. In basic terms I would like for you to check your systems for any banking, credit card, and or life insurance policy accounts opened in my name. If there are any accounts open, then it has been fraudulently done by the people who have committed many federal crimes against me. Please look into this and thank you for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: MO

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
Multiple accounts on my credit report contain inaccurate information and are not being reported with the maximum accuracy required by law. These erroneous entries are not minor. They are materially misrepresenting my financial history and causing real, ongoing hardship. I take my credit seriously, and these persistent inaccuracies are creating stress and tangible negative consequences in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
XXXX XXXXXX/XX/XXXXXXXX Date of Birth : XX/XX/XXXX - SSN : XXXX - XXXX - XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Under 15 USC 1681c-2 ( a ) To Whom it May Concern, I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries associated with my credit report, as I am a victim of identity theft resulting from theXX/XX/XXXXData Breach . Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have any fraudulent information blocked from my credit report immediately. 



XXXXXX/XX/XXXXADDRESSES TO REMOVE : XXXX XXXX XXXX XXXX XXXX XXXX Please consider this letter my official notification. I request that you take the following actions immediately : 1. Block and delete any accounts, inquiries, or other information that were established or recorded as a result of identity theft. 2. Provide written confirmation that these fraudulent items have been blocked and deleted.

3. Ensure my credit report accurately reflects only legitimate accounts and inquiries.

Enclosed are the following documents to support my request : A copy of my government-issued ID ( e.g., drivers license ). 
Proof of address ( e.g., utility bill ).

FTC. A signed affidavit of identity theft ( if required ) and My Social Security Card.

As required by law, I expect these fraudulent items to be blocked within four business days of your receipt of this request, as outlined in 15 USC 1681c-2 ( a ) ( 2 ).

I trust that this matter will handle promptly and in compliance with the federal law. 

Thank you for your immediate attention to this very urgent matter. 



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 2025-12-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: SC

Complaint narrative:
I have a prepaid visa gift card from XXXX  that was a gift to me. The sticker on the front says I must register my cad first, either online or on the phone. Using both the phone number provided on the card ( XXXX ) and the website provided on the card ( XXXX ) the only thing I am able to do is enter the XXXX digit card number and CVV, after which I am told that they cant find record of this account. There is no option to register the card on either the website or on the phone. I can not find a way to speak to someone other than the teleprompter. On the website the only place to register the card is a tiny link attached to the FAQ section, but when you click the link to register the card the page is blank with no text. 

There should be money on this card, but I have no way of checking or talking to anyone who can see more. They have made it impossible to access the money they owe me. Most recently I have discovered ( after calling several numbers ) that when I go back to the website to type my card number I am told that I no longer have access to the website.

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 2025-12-03 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: LA

Complaint narrative:
In accordance with federal law, specifically 15 USC 1681c-2 ( a ), I formally request that all information resulting from this identity theft be blocked and removed from my credit report by the credit reporting agency .

Federal law mandates that any disputed information stemming from identity theft must be blocked and removed within XXXX business days of receiving a valid complaint. 

Listed below are the fraudulent accounts : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - PLEASE REMOVE ACCOUNT FST PREMIE - XXXXXXXX XXXX XXXX XXXX XXXX  - PLEASE REMOVE ACCOUNT XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX - PLEASE REMOVE ACCOUNT XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE ACCOUNT Public Record - U.S. Bankruptcy Court - PLEASE REMOVE ACCOUNT I appreciate your prompt attention to this matter and look forward to your assistance in ensuring that my rights are protected. 
Sincerely,

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 2025-12-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
I am submitting this complaint because a debt collector ( PDM ) and my former apartment complex ( XXXX XXXX XXXX  in XXXX, TX ) are attempting to collect a debt without providing any required notices, itemization, or validation. 
XXXX. I was never notified of any debt by the apartment or the debt collector. 
I never received : A move-out statement A breakdown of charges A notice that my account was sent to collections A validation notice from PDM as required by law I only learned of this debt when I contacted PDM myself, and the debt collector admitted it was placed on my credit in XXXX. 
Before that moment, I had absolutely no notice of any balance owed or any collection action. 
XXXX. The charges are false and unverified. 
The apartment is charging for full carpet replacement, but the only damage came from a leaking dishwasher an issue I reported multiple times in writing. I have email documentation proving this. 
They are also claiming XXXX months of unpaid water bills, yet water was paid with my rent every month. 
XXXX. PDM violated the FDCPA and Texas law. 
PDM never sent me the required initial XXXX written notice under FDCPA 15 U.S.C. 1692g ( a ). 
They also failed to provide : Any itemization Any validation notice Any written communication Any opportunity to dispute the debt before reporting it Under Texas Finance Code Chapter 392, they are required to investigate disputes and provide information promptly. They did not do so. 
XXXX. The unvalidated collection has harmed my credit and ability to obtain housing. 
Because this collection was placed on my credit without notice or validation, I experienced difficulty getting approved for a new apartment. 
XXXX. What I am asking the CFPB to do : Require PDM to provide full validation or remove the debt Require the apartment to provide all itemized charges and proper notice Investigate both parties for violations of federal and Texas XXXX Ensure that no further reporting or verification occurs without proper validation Require deletion of the collection if validation can not be produced My contact information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX Debt collector information : XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: GA

Complaint narrative:
To Whom It May Concern : This response is a formal second demand regarding my previous dispute with TransUnion. You improperly blocked or dismissed my first dispute without completing the legally required reinvestigation. This is a serious violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, and it is unacceptable. 

The inaccurate and unverified account you continue to report is : Creditor : XXXX Accounts : XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX TransUnion has now failed twice to meet its federal obligations. You can not legally block a dispute simply because it is inconvenient for your system, your furnisher, or your automated verification procedures. The law requires a reasonable reinvestigation, not a refusal to investigate. 
You are hereby put on notice : this is your final opportunity to comply with federal law. 
I am demanding that TransUnion : Conduct a full, reasonable reinvestigation within 30 days Provide written results of the reinvestigation Provide a detailed Method of Verification ( MOV ) under 1681i ( a ) ( 6 ) ( B ) ( iii ) Provide the name, address, and phone number of every furnisher you contacted Provide copies of any documentation you used or relied upon to verify the account If TransUnion can not prove the accuracy of this account using original, legally permissible documentation, the accounts must be deleted immediately.I am documenting TransUnions actions for a potential lawsuit. You are fully aware of your legal responsibilities and can not continue to disregard them without consequence.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief