vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 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: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of several fraudulent inquiries at XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX  XXXX on XX/XX/XXXX, appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent inquiries. I do not recognize the aforementioned inquiries as reported. The aforementioned inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. There is also an inaccurate address reporting that is not and has not been associated with me. The inaccurate address is, XXXX XXXX XXXX, XXXX, Kansas XXXX. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # 190819239 as proof from the US Federal Trade Commission that all of the aforementioned consumer hard inquiries are the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Ive found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and I am requesting a full investigation under the fair credit reporting act ( FCRA ). Please remove this unverifiable item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: TX

Complaint narrative:
I am filing a formal complaint because several accounts were fraudulently opened in my name without my knowledge or consent. These accounts were reported to the credit bureaus and have negatively impacted my credit report. I submitted a dispute along with documentation including a sworn Affidavit of Truth, my FTC Identity Theft Report, and supporting records, but the credit bureaus and data furnishers have failed to remove the accounts in compliance with the FCRA 605B identity theft protections. 

The accounts in question include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts These were reported across Experian, Equifax, and TransUnion. I did not authorize or open these accounts and have taken all required steps to notify the credit bureaus under federal law. I am requesting immediate removal of these fraudulent accounts and compliance with FCRA 605B.

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 2025-08-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a formal complaint because several accounts were fraudulently opened in my name without my knowledge or consent. These accounts were reported to the credit bureaus and have negatively impacted my credit report. I submitted a dispute along with documentation including a sworn Affidavit of Truth, my FTC Identity Theft Report, and supporting records, but the credit bureaus and data furnishers have failed to remove the accounts in compliance with the FCRA 605B identity theft protections. 

The accounts in question include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts These were reported across Experian, Equifax, and TransUnion. I did not authorize or open these accounts and have taken all required steps to notify the credit bureaus under federal law. I am requesting immediate removal of these fraudulent accounts and compliance with FCRA 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: FL

Complaint narrative:
In accordance with the fair crdit reporting act the list of accounts below has violated my federaly protected consumer rights to privacy and confidentiality Under 15 U.S.C 1681 The accounts below have violated my rights.

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

15 U.S.C 1681 section 604 A section 2 It ats States a consumer reporting agency can not turnish a account without my with instrucions.

15 U.S.C 1681-2 ( A ) ( a ) A person agallas not furrish any information relatingto a consumer reporting agency it the person knows or has XXXX XXXX cause to belive that the information is inaccurate. 

Delete the accounts below Inquiry - fecha XXXX XXXX XX/XX/XXXX Inquiry - XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) : See attachment

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 2025-08-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Subject : Complaint Against I.C. System for FCRA/FDCPA Violations Unauthorized Collection Account Reporting ( Account # XXXX * * * ) I am filing a formal complaint against I.C. System for the continued reporting of an alleged debt in the amount of {$120.00} on my TransUnion credit report, related to XXXX XXXX XXXX XXXX. This account is listed as a collection/charge-off, last reported XX/XX/year>, but is inaccurate, unverified, and potentially unlawful under multiple federal statutes. 

Despite the Fair Credit Reporting Act ( FCRA ) requiring data furnishers to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ), and to conduct timely and reasonable investigations when a dispute is made under 1681i ( a ), this account continues to appear without any documentation or verification of debt ownership or itemization of charges.

Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I have the right to request validation of the debt. I.C. System failed to notify me in writing of my right to dispute within 30 days and never sent any validation notice, making this collection report a potential violation of FDCPA 807 and 808 due to false representation and unfair practices.

No original signed agreement or verifiable documentation linking me directly to the alleged XXXX XXXX XXXX account has been provided. 

My Concerns : No notice or written communication was ever received prior to credit reporting No validation of debt provided as required under 15 U.S.C. 1692g Account was reported as active and derogatory without prior consent I have not authorized the sale or sharing of my private data ( including my SSN ) with I.C. System The account is harming my credit report with inaccurate and misleading information I respectfully request the following corrective actions : Immediate removal of this account from my TransUnion credit file Full investigation into I.C. Systems compliance with the FCRA and FDCPA Civil penalties and enforcement against I.C. System for any proven violations Written documentation proving my liability, including itemized statements and contracts Ensure future furnishing of this account reflects an open dispute status Written confirmation of all corrective actions taken by the CFPB and the furnisher I believe this matter warrants immediate enforcement-level scrutiny and may be indicative of systemic misconduct on the part of this furnisher. 

Sincerely, XXXX 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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank USA N.A. systematically furnishes materially inaccurate credit information across all three major credit bureaus in violation of 15 U.S.C. 1681s-2 ( a ). Multiple accounts show irreconcilable data variances : balances differ by $ XXXX dollars, delinquency statuses vary from XXXX to charged-off, credit limits differ by $ XXXX, and payment dates vary by XXXX days across XXXX XXXX XXXX XXXX 

XXXX federal courts have ruled identical XXXX furnisher violations constitute systematic FCRA breaches ( documented in XXXX XXXX ). Cross-bureau inconsistencies prove XXXX fails reasonable verification procedures required under federal law. These violations cause documented economic harm exceeding {$10000.00} individual plus $ XXXX XXXX market-wide damage ( quantified in XXXX XXXX ). 

Comprehensive evidence package ( Enclosures XXXX through XXXX ) documents systematic pattern of willful FCRA violations requiring immediate federal enforcement action to protect consumer credit reporting accuracy and constitutional due process rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-08-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-08-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a Wells Fargo checking account I was using to pay my landlord with. I would deposit money through XXXX and XXXX. Wells Fargo moved the ledger in my account. Also they would hold money longer then agreed and then charge me overdraft fees when I deposited enough funds to make payments. I was consistently late on paying my rent for 20 months as a result of the deposit ledger amount being moved many times. I lost my home and almost everything I own from this fraud. XXXX XXXX XXXX The lady who opened my account at that location is suspect.

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On my credit report are two incorrect phone numbers. These phone numbers are XXXX and XXXX. Kindly delete these phone numbers from my account as they don't belong to me.

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 2025-08-03 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: SC

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in XXXX days! 

These fraudulent accounts are not only damaging my credit but also causing me significant XXXX XXXX XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: SC

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in XXXX days! 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2025-08-03 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: EQUIFAX, INC.
State: SC

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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:
Hello my name is XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX Ny XXXX XXXX i am writing this complaint to address three unauthorized inquires that reported ro my credit profile. these are fasle and were not aihtorized woth my signature. and i am asking for these to be investigated and removed. the credit bureaus Equifax and Experian are not much help as i can not be connected to a representative and they place me on hold for very long period of times. please help. i listed them here. Signature Federal XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On or around XX/XX/XXXX, I reported XXXX fraudulent transactions totaling {$78000.00} on my personal Bank of America account and 7 on my business account, each for {$1100.00}. I submitted both claims by text and phone the same day. 

The personal account claim was resolved within a week and the funds were credited. I was able to track this claim online. The business account claim, however, could not be tracked and was not credited by the XXXX deadline ( XX/XX/XXXX ). 

When I called on XX/XX/XXXX, I was told my business claim was initially denied because I accidentally approved the transactions in the appeven though I had already reported them as fraud. I was told the claim was being reinstated and escalated, and I submitted a handwritten statement that same day as requested. The rep assured me the matter would be resolved within 14 days. 

On XX/XX/XXXX at XXXX XXXX., I called again ( XXXX call ) and was told the case was already settled in my favor and the {$7800.00} would be returned to my business account, though no date could be provided. The rep was kind, clear, and confident in this response. 

When I followed up the next week, I was told that rep gave me misinformation and the case was still under investigation. I requested the recording of that XX/XX/XXXX call and was told I could retrieve it at a branch. I visited the branch, and the banker genuinely tried for over XXXX hourscontacting both customer service and the fraud departmentbut was told the recording could not be released. 

As of now, I still have no funds, no access to a call recording that supports my case, and no ability to track the business account claim online.

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 monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Ive found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and I am requesting a full investigation under the fair credit reporting act ( FCRA ). Please remove this unverifiable item.

Company response to consumer: Closed with explanation