vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HW Holding, Inc
State: NY

Complaint narrative:
This letter serves as a formal Cease and Desist demand requiring your agency to immediately halt all collection activities and communications regarding the alleged debt associated with : Account Name : HUNTER WARFIELD - Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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 am filing this complaint because my rights as a consumer have been blatantly violated under the Fair Credit Reporting Act. I have disputed these accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) multiple times, yet it continues to remain on my credit report despite the fact that I did not authorize it, never consented to its reporting, and have received no legitimate documentation to justify its presence. This is a recurring issue that has not only damaged my credit score but has caused serious emotional distress, anxiety, and an overwhelming sense of frustration. I feel like Im being ignored and mistreated by the credit reporting agency that is supposed to ensure the accuracy and integrity of my consumer file. Under the FCRA, I am entitled to accurate information and a fair dispute process. The credit bureau has violated several federal laws by continuing to report these unauthorized accounts. Specifically, this is a violation of 15 U.S.C. 1681b, which prohibits the reporting of information without a permissible purpose. They have also violated 15 U.S.C. 1681e ( b ) by failing to ensure the maximum possible accuracy of the information they are furnishing. I exercised my rights under 15 U.S.C. 1681i ( a ) by filing a formal dispute, yet the bureau failed to perform a proper investigation. To make matters worse, I have repeatedly requested a detailed explanation of how this account was verified, and no meaningful response has been providedanother clear violation under 15 U.S.C. 1681i ( a ) ( 7 ). I continue to receive the same generic and unhelpful responses from the credit bureau claiming that the account was verified as accurate. Thats not an acceptable answer. I am demanding a full explanation of how this information was verified. If they can not provide that, then the accounts must be deleted immediately. TransUnion 's actions demonstrate a pattern of willful and negligent noncompliance, which falls under 15 U.S.C. 1681n and 1681o. Their continued refusal to correct inaccurate, unauthorized, and unverified information is not only damaging to my credit, but its also unlawful. I am demanding immediate intervention, enforcement, and correction. I have suffered enough harm from their negligence, and I will not stop until my consumer report is corrected and my rights are respected.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Someone used my personal information without my permission to open multiple fraudulent accounts and damage my credit. I did not authorize or initiate any of the following accounts currently listed on my credit report. These include credit cards, medical collections, and telecommunications accounts. I was also impacted by the recent Equifax and TransUnion data breaches, which may have exposed my sensitive data.

The following accounts are fraudulent or contain severe inaccuracies XXXX XXXX XXXX XXXX Account ending in XXXX ( Never opened. Fraud. ) XXXX XXXX XXXX XXXX XXXX ( Previously disputed. Likely fraud. ) XXXX XXXX XXXX XXXX ( Unknown account with suspicious delinquency. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( No medical treatment received. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unknown medical collection. ) XXXX XXXX XXXX XXXX XXXX ( Billing error, not mine. ) XXXX XXXX  ( Late payments showing on a closed account. ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Autopay or fraud issueunauthorized delinquency. ) I want these accounts permanently removed. I did not authorize them. They are damaging my credit and causing hardship.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
some stole my credit and identity and I can not get it resolved. 

I have never lived in any other address than the one on my drivers license and the information I provided you. The information below belongs to someone in another state, they used my social security number but I have never received in North Carolina. Also the birthday they used is not mine, there is XXXX and I was born XXXX, Im only XXXX XXXX XXXX and a XXXX  and resident of California. 

My bank account was HACKED on or about XXXX and my mom, XXXX XXXX, has changes some password and was moving moving between account, they hackers opened an account and moved thousands. When the banks closed we reaced out to XXXX XXXX XXXXXXXX and informed them what transpired, they froze ALL accounts but no resolution was ever made. This account WAS NOT open by me or my mom who was on the joint account. When they hacked they open this online to open and transfer between the account and deposit fraud checks causing me duress and damaging my credit. 

Money was bounced from account, from old real accounts to new opened account, but I do not owe the bank because this can be recall based on where the bank sent the funds to electronivally.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
some stole my credit and identity and I can not get it resolved. 

I have never lived in any other address than the one on my drivers license and the information I provided you. The information below belongs to someone in another state, they used my social security number but I have never received in North Carolina. Also the birthday they used is not mine, there is XXXX and I was born XXXX, Im only XXXX XXXX XXXX and a XXXX  and resident of California. 

My bank account was HACKED on or about XXXX and my mom, XXXX XXXX, has changes some password and was moving moving between account, they hackers opened an account and moved thousands. When the banks closed we reaced out to XXXX XXXX XXXXXXXX and informed them what transpired, they froze ALL accounts but no resolution was ever made. This account WAS NOT open by me or my mom who was on the joint account. When they hacked they open this online to open and transfer between the account and deposit fraud checks causing me duress and damaging my credit. 

Money was bounced from account, from old real accounts to new opened account, but I do not owe the bank because this can be recall based on where the bank sent the funds to electronivally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC XXXXi ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-06-30 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: TX

Complaint narrative:
My servicer is XXXX. I had put my student loans on forbearance for a year, starting in XX/XX/year>2024, when payments began resuming, they did not place my account on forbearance leaving my account delinquent for more than XXXX months impacting my credit when I call dispute this due to it being on my credit history and have never had a missed payment in my life it tanked my credit. Even after making a {$1300.00} payment, that's not good enough ; I still get denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXXB of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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:
Transunion is reporting an account listed as XXXX XXXX XXXX XXXX XXXX XXXX  as a charge off. This is not true. Transunion also has not provided any evidence that would indicate that this account status is correct. I am requesting the proof used to validate this information. Transunion is not allowed to have access to my personal financial information. Delete this account immediately.

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 2025-06-30 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: NC

Complaint narrative:
My file keeps showing over time FCRA violations Permissible Purpose 15 USC XXXXb Responsibilities of Furnishers 15 USC XXXX Accuracy 15 USC XXXX ( XXXX ) ( b ) and 15 USC XXXX Verification 15 USC XXXX I am writing to put you on notice that my credit report contains fraudulent accounts that have severely damaged my FICO credit scores. Enclosed are documents from XXXX  and Equifax verifying that my personal information was compromised in Equifax Data breach. Under the full authority of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I demand removal of these fraudulent inquiries. I refer to the following accounts : Unauthorized Inquiries : XXXX : XX/XX/XXXX & XX/XX/XXXX XXXX XXXXXXXX Bank XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bank : XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX Bank : XX/XX/XXXX You are ordered to conduct a thorough investigation of this matter. I require that you correct my credit report without delay and confirm in writing the deletion of this account. As I never provided consent for the reporting of this debt, you are instructed to cease and desist from reporting this account to any and all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
i received a letter from XXXX XXXX debt collectors on XX/XX/year> informed me that a credit card from WALMART REWARDS CARD was opened and is going to a debt collector. The a mint is XXXX and was asking for a payment before a lawsuit gets involved. i have no knowledge whats so ever of this reward card and never applied for XXXX. The file number is XXXX if you need a copy of this letter I can provide it as well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am writing to dispute several fraudulent and unauthorized transaction attempts made by XXXX XXXX XXXX, a XXXX car rental company, using my account/card information without my permission. 
Here are the relevant transaction details : XX/XX/year> {$420.00} Chime Blocked by bank Other dates listed but transaction posted funds should be refunded from this company XXXX XXXX XXXX  XX/XX/year> XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XXXX XXXX, 2025 XXXX, XXXX XXXX, XXXX, 2025 XXXX, XX/XX/XXXX XXXX While I did rent a vehicle from the company, they repeatedly charged or attempted to charge my cards without my consent. These charges were not part of any active or authorized agreement. They retained my card information from past transactions and misused it despite my clear instructions not to charge those cards. 
Legal Reference : Per 15 U.S.C. 1693g ( EFTA ) : A consumer shall not be held liable for an unauthorized electronic fund transfer unless the consumer has furnished the card or access device and authorized its use. 
That is not the case here. I did not authorize these charges and I am not liable for them. 

I am requesting the following : A full chargeback or refund of all transactions ( if it posted ). Plus all transactions with this company refunded A fraud investigation into Freedom Ride Share. 
That this merchant be permanently blocked from future charges. 
A new card issued if necessary to prevent future abuse. 

To Whom It May Concern, I am filing this formal complaint against Freedom Ride Share, a car rental company operating in Texas, and its employee, XXXX, for serious violations of federal and state consumer protection laws. These include unauthorized charges to my debit and credit cards, misuse of my financial data, and the unlawful disablement of a rental vehicle that was in my possession and paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute and cease and desist request under my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). l am requesting that you cease and desist all collection activity related to any alleged account that you claim I owe. I do not acknowledge ownership of any such debt.

Additionally, I am disputing the accuracy and/or validity of any negative information you may be reporting to the credit bureaus. If you are furnishing information to any reporting agency, you are required to verify its accuracy, or it must be deleted immediately. Do not contact me by phone. All communication must be in writing.

Failure to comply with this request and continued attempts to collect on unverified debt will result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One restricted my credit card because I made a payment through a new bank that I verified through their verification process online to link the accounts. They requested information from my banks that is not available, for example they requested a statement with the full account number which banks do not do for security reasons. Then they requested a verbal verification but were unable to get through to all of my banks that I had linked to the account. Then they request a direct deposit slip that neither of my banks could provide because one is a business account that just uses the account and routing number for the direct deposit. I submitted all the bank account information including my EIN documentation, the bank summary account number, routing number and statements. They claimed the information was not sufficient to prove that I am the owner of the accounts. They also said I can't redeem my rewards points because the account is restricted. So they are basically just stealing my rewards and no information that I send them is sufficient to prove that I am the account owner of all the banks that I linked for payments. They are requesting a voided check ( I don't use physical checks so I asked if I could send them a check, but could not tell me if I send myself a check to write void on it if that would be acceptable, so I am going to try that but they are just claiming that all the information that I sent to them was unacceptable. I feel uncomfortable that I sent them all of my personal and business information now because they don't seem to be very trustworthy at all. I wonder if I need to change my accounts so they no longer have access to all of my private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I recently received a letter from XXXX, a collection agency, requesting payment from me from a charged off account from XXXX XXXX in the amount of {$310.00}. I did not give XXXX XXXX permission to share or sell my information with outside sources, nor have I received a XXXX from XXXX XXXX for this charged off debt. XXXX has not provided any documention showing they are the original credit/debt holders of this account. I have never heard of this company. I request that this be removed from my credit history due to the inproper use and sale of my 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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I recently received a letter from XXXX, a collection agency, requesting payment from me from a charged off account from XXXX XXXX in the amount of {$310.00}. I did not give XXXX XXXX permission to share or sell my information with outside sources, nor have I received a XXXX from XXXX XXXX for this charged off debt. XXXX has not provided any documention showing they are the original credit/debt holders of this account. I have never heard of this company. I request that this be removed from my credit history due to the inproper use and sale of my 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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I recently received a letter from XXXX, a collection agency, requesting payment from me from a charged off account from XXXX XXXX in the amount of {$310.00}. I did not give XXXX XXXX permission to share or sell my information with outside sources, nor have I received a XXXX from XXXX XXXX for this charged off debt. XXXX has not provided any documention showing they are the original credit/debt holders of this account. I have never heard of this company. I request that this be removed from my credit history due to the inproper use and sale of my information.

Company response to consumer: Closed with non-monetary relief