vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
Dear Credit Bureau, I am writing to dispute several inaccurate or unverified accounts listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 609 [ 15 U.S.C. 1681g ] and Section 611 [ 15 U.S.C. 1681i ], I request an immediate reinvestigation and removal of the following accounts unless verifiable proof of their validity is provided.

The accounts in question are as follows : XXXX XXXX XXXX XXXX {$76.00} Date Opened : XX/XX/XXXX - XXXX XXXX {$140.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX {$440.00} Date Opened : XX/XX/XXXX ( Charged Off ) - XXXX XXXX XXXX  {$630.00} Date Opened : XX/XX/XXXX {$90.00} Past Due I request that you provide the following for each item : - A copy of the original signed contract or agreement- The full payment history and itemized charges - Proof of ownership of the debt by the reporting entity - The name and contact information of the original creditor If any of this information can not be verified with documentation as required under federal law, these accounts must be deleted from my credit report immediately. Unverified or outdated information negatively impacts my creditworthiness and violates my rights under the FCRA. 

Please complete your reinvestigation within 30 days and send me written confirmation of the results. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-05-15 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:
Dear Credit Bureau, I am writing to dispute several inaccurate or unverified accounts listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 609 [ 15 U.S.C. 1681g ] and Section 611 [ 15 U.S.C. 1681i ], I request an immediate reinvestigation and removal of the following accounts unless verifiable proof of their validity is provided.

The accounts in question are as follows : XXXX XXXX XXXX XXXX {$76.00} Date Opened : XX/XX/XXXX - XXXX XXXX {$140.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX {$440.00} Date Opened : XX/XX/XXXX ( Charged Off ) - XXXX XXXX XXXX  {$630.00} Date Opened : XX/XX/XXXX {$90.00} Past Due I request that you provide the following for each item : - A copy of the original signed contract or agreement- The full payment history and itemized charges - Proof of ownership of the debt by the reporting entity - The name and contact information of the original creditor If any of this information can not be verified with documentation as required under federal law, these accounts must be deleted from my credit report immediately. Unverified or outdated information negatively impacts my creditworthiness and violates my rights under the FCRA. 

Please complete your reinvestigation within 30 days and send me written confirmation of the results. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I registered with XXXX  many years ago and was using this platform as their user. I wanted to add phone number recently but XXXX  threw an error - phone number not valid. They said my number is not valid. I was using their platform without phone number. Yesterday someone sent me a money using my phone number to my phone number. I contacted XXXX  and asked them why my number is not valid. They said that other user is using this and got my money!!! This is a crime. How can they operate like that? As I am registered user with email and banking account they should tell me immediately : is this your number? contact us right now but they said : it is not valid number, problem is on your side! And other user received my money. This is pure scam for me. XXXX  says that this is my problem. After few trials of registering phone number I was blocked for 24 hours. No one reached out to me. No alerts on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
I am writing to formally dispute the validity of the above-referenced account that you are attempting to collect or report. According to Fair Credit Reporting Act ( FCRA ) and federal case law, any entity that furnishes information to a credit bureau or attempts to collect a debt must have clear, documented legal authority to do so. 



You are hereby requested to provide the following within XXXX  days : 1. A complete chain of assignment from the original creditor to your company.

2. Proof of ownership or legal right to collect on this debt.

3. All contracts, bills of sale, or transfer agreements proving the assignment of this account to you.

Under 15 U.S.C. 1681s-2 ( a ), you are prohibited from reporting inaccurate or unverifiable information to any credit bureau . Furthermore, if you continue to report or collect on a debt without legal assignment, you are in direct violation of 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a thorough and reasonable investigation upon receiving notice of a dispute. 



This requirement is supported by federal case law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX XXXX must investigate and verify all disputed information, especially legal ownership. 

XXXX v. XXXX XXXX Bank, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Emphasizes the importance of fully investigating disputed accounts. 

XXXX XXXX XXXX XXXX Bank ( XXXX ) Courts have ruled that lack of valid assignment documentation renders a debt inaccurate for reporting purposes. 



If you are unable to produce these documents, I demand that you : Cease all collection efforts, Delete any tradeline you have furnished to credit bureaus, and Confirm in writing that you have closed the account. 



Please be advised that failure to comply may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

This letter serves as both a formal dispute and a request for validation of debt under the FCRA and FDCPA ( 15 U.S.C. 1692g ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: SG and Associates
State: IA

Complaint narrative:
I am writing to formally dispute the validity of the above-referenced account that you are attempting to collect or report. According to Fair Credit Reporting Act ( FCRA ) and federal case law, any entity that furnishes information to a credit bureau or attempts to collect a debt must have clear, documented legal authority to do so. 



You are hereby requested to provide the following within XXXX  days : 1. A complete chain of assignment from the original creditor to your company.

2. Proof of ownership or legal right to collect on this debt.

3. All contracts, bills of sale, or transfer agreements proving the assignment of this account to you.

Under 15 U.S.C. 1681s-2 ( a ), you are prohibited from reporting inaccurate or unverifiable information to any credit bureau . Furthermore, if you continue to report or collect on a debt without legal assignment, you are in direct violation of 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a thorough and reasonable investigation upon receiving notice of a dispute. 



This requirement is supported by federal case law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX XXXX must investigate and verify all disputed information, especially legal ownership. 

XXXX v. XXXX XXXX Bank, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Emphasizes the importance of fully investigating disputed accounts. 

XXXX XXXX XXXX XXXX Bank ( XXXX ) Courts have ruled that lack of valid assignment documentation renders a debt inaccurate for reporting purposes. 



If you are unable to produce these documents, I demand that you : Cease all collection efforts, Delete any tradeline you have furnished to credit bureaus, and Confirm in writing that you have closed the account. 



Please be advised that failure to comply may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

This letter serves as both a formal dispute and a request for validation of debt under the FCRA and FDCPA ( 15 U.S.C. 1692g ).

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 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
With all the respect executive office if I email the board of directors in regards to an issue, are they assigned one of you to resolve my issue? I dont appreciate that your response would be some concerns Wells Fargo never disclosed in advance that they would run my credit to open a bank account. 
Application XXXX It was not until I received an email indicating that credit check was a requirement to open the account. 
And even with a high credit score Wells Fargo still denied my application, I submitted a complaint to the manager and employee from the executive office XXXX handled my case. 
However, she did not provided any information whatsoever on the reason for the denial besides saying some concerns can you believe that is this a professional company is this a professional response to me is an insult to the face of their customers. Thats the reason my Wells Fargo in the past has gotten in trouble paying hide amount of money in fees because they have misleading, not transparent, and they have demonstrated this behavior again. At least in my case Im requesting for somebody professional to handle my situation my case and fix my issue and unfortunately, if this is not What the person taking this complaint will do. I will forward all this information to the board of directors so they can see how the employees are handling cases and how employees are treating customers yes because I am actually a customer as well.

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 2025-05-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
RE : FRAUDULENT ACCOUNTS IDENTITY THEFT DISPUTE I am writing to demand the immediate removal of all fraudulent accounts and inquiries listed on my credit report. These accounts were opened without my knowledge or consent while I was incarcerated for 17 years, during which I had no physical ability or legal capacity to initiate any financial activity, including opening credit accounts.

Attached are the following documents substantiating my claim : A copy of my government-issued photo identification Official prison records verifying my incarceration period A copy of my FTC Identity Theft Report Any additional supporting documentation as required The existence of these accounts on my credit report is not only inaccurate but also a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). I expect a full and thorough investigation into all disputed items and a prompt removal of all fraudulent accounts. I also demand that a corrected credit report be sent to me once this matter is resolved.

I consider this a formal dispute and request under the FCRA. If these fraudulent accounts are not removed in a timely manner, I will not hesitate to escalate this issue, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel to pursue all available remedies.

This matter is urgent, and I expect a written response within the required 30-day timeframe, as stipulated by federal law.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
RE : FRAUDULENT ACCOUNTS IDENTITY THEFT DISPUTE I am writing to demand the immediate removal of all fraudulent accounts and inquiries listed on my credit report. These accounts were opened without my knowledge or consent while I was incarcerated for 17 years, during which I had no physical ability or legal capacity to initiate any financial activity, including opening credit accounts.

Attached are the following documents substantiating my claim : A copy of my government-issued photo identification Official prison records verifying my incarceration period A copy of my FTC Identity Theft Report Any additional supporting documentation as required The existence of these accounts on my credit report is not only inaccurate but also a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). I expect a full and thorough investigation into all disputed items and a prompt removal of all fraudulent accounts. I also demand that a corrected credit report be sent to me once this matter is resolved.

I consider this a formal dispute and request under the FCRA. If these fraudulent accounts are not removed in a timely manner, I will not hesitate to escalate this issue, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel to pursue all available remedies.

This matter is urgent, and I expect a written response within the required 30-day timeframe, as stipulated by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume 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 2025-05-15 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume 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 non-monetary relief
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report of this complaint on the following dates XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-05-15 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report of this complaint on the following dates XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: LA

Complaint narrative:
I am a VERIFIED VICTIM of identity theft, and I have fully complied with all federal requirements by submitting the FTC Identity Theft Affidavit, government-issued ID, and proof of address. Despite this, the bureau has FAILED to DELETE the fraudulent account ( XXXX ) from my credit report within the MANDATED XXXX timeframe under FCRA 605B . This is a clear violation of my rights as a consumer. Additionally, the bureau has FAILED to provide any LAWFUL VERIFICATION of these accounts, as required by FCRA 611. 

These failures not only undermine the integrity of the credit reporting process but have also caused significant damage to my credit, which in turn is harming my financial stability. The continued reporting of these fraudulent accounts is a blatant disregard for federal law and is directly impacting my ability to access credit, housing, and other critical services.

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 2025-05-15 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:
I am a VERIFIED VICTIM of identity theft, and I have fully complied with all federal requirements by submitting the FTC Identity Theft Affidavit, government-issued ID, and proof of address. Despite this, the bureau has FAILED to DELETE the fraudulent account ( XXXX ) from my credit report within the MANDATED XXXX timeframe under FCRA 605B . This is a clear violation of my rights as a consumer. Additionally, the bureau has FAILED to provide any LAWFUL VERIFICATION of these accounts, as required by FCRA 611. 

These failures not only undermine the integrity of the credit reporting process but have also caused significant damage to my credit, which in turn is harming my financial stability. The continued reporting of these fraudulent accounts is a blatant disregard for federal law and is directly impacting my ability to access credit, housing, and other critical services.

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