vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TapTap Send Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I made an international transfer with taptapsend to XXXX with the receiver being my sister.when the transfer was made, I had a notification it went successfully so I contacted the receiver who is my sister to confirm but she told me the account number I sent the money to is not an active account. I reached out to Taptap send to let them know of my findings and asked for a refund to which they agreed to get my refund back by XX/XX/year>. I waited till XX/XX/year> and when I called they asked me to wait till the end of the day to see the funds back in my account to which I did but never recieved any refunds in my account. I have been sending emails and calling taptapsend for my refund from since XX/XX/XXXX to date and all I get back from Taptapsend is they are working with their partners for the refund to be made. I reached out to the receiver to check with the receiving bank which are the partners to Taptapsend and they declined every allegation that the money is with them and they provided prove of refund with a txt and email that I emailed back to Taptap send as prove from their partners. They havent reached back to me after I proved to them that their partners dont have any funds with them and have given prove of funds been returned to them after 3 days of them ( Taptap ) requesting for the refund.Am about to leave the country in 14 days and have sent them an email to concerning my days left to travel and how I will be glad I get my money before my travels and they havent responded to it yet. Will need your help to resolve this issue. 

Thank you XXXX id : XXXX Time and date of transaction : XX/XX/year> XXXX AM Amount of transaction : {$2500.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by 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 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Concord Servicing Corporation
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
Dear Sir or Madam, I am submitting this formal identity theft dispute regarding fraudulent collection accounts and inquiries appearing on my credit reports. These accounts were not opened or authorized by me. Under FCRA 605B, you are required to block all information resulting from identity theft within four ( 4 ) business days of receiving a valid identity theft report and supporting documentation.

I have filed an Identity Theft Report at https : //www.identitytheft.gov and am attaching the official confirmation from the FTC. 
Fraudulent Collection Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additional Request : Please also remove all credit inquiry activities initiated by the organizations listed above from all of my credit reports. These inquiries were conducted without my authorization and are directly related to the fraudulent accounts cited in this dispute. 
Legal Authority : This dispute is made under : FCRA 605B ( 15 U.S.C. 1681c-2 ) blocking of information from identity theft ; FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) right to obtain information about fraudulent accounts ; FCRA 611 ( 15 U.S.C. 1681i ) reinvestigation and correction of inaccurate 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 non-monetary relief
Consumer complaint received 2025-10-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
During the period of my exploitation, my personal and financial information was used without my consent. As a result, fraudulent accounts and debts were accrued in my name. I kindly request that you review my credit report with this context in mind and take the necessary steps to rectify any inaccuracies or fraudulent activities that have occurred. I have attached documentation from relevant authorities and organizations that can verify my situation

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as Public Record - Federal - XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court U.S. Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: AR

Complaint narrative:
So I filed a claim for fraud a transaction merchant name XXXX  that was unauthorized and come to find out that they ended up closing my account saying I violated the the terms of service after I told them that there was a transaction that was made with them with my card that I didnt authorize the amount of the transaction is {$160.00}

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 explanation
Consumer complaint received 2025-10-14 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-14 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: FL

Complaint narrative:
This complaint concerns multiple accounts on my credit report and is not submitted in error. The information reported for these accounts contains material inaccuracies and falls short of the required standard of maximum possible accuracy. These persistent errors are causing real damage to my credit, creating barriers to financial stability, and placing an unnecessary emotional and financial burden on me. I need a clear explanation of why these accounts are being reported, which furnishers provided the information, and what documentation, if any, supports their reporting.

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 2025-10-14 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: GA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-10-14 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: MS

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-10-14 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: MS

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because my TransUnion credit report inaccurately lists XXXX XXXX XXXX XXXX as my employer. I want to state clearly that I have never worked for this company and have no professional, financial, or employment relationship with them in any capacity. 

This false employment information is not only misleading but also raises serious concerns about data accuracy and potential data contamination or breach. The Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they include in a consumer report. Reporting an employer that has never employed me is a direct violation of that obligation. 

Employment information is considered a personally identifiable data point, and its accuracy carries significant weight in credit risk assessments, lending decisions, and background checks. When such information is wrong, it distorts my personal profile and creates misleading implications about my financial and employment history. 

I have never provided TransUnion with this employer information, nor have I given any lender or entity permission to furnish it. Therefore, I have reason to believe that this incorrect employer entry may have been introduced through flawed data-matching procedures or due to an external data source that TransUnion failed XXXX verify before adding to my report. 

This error has caused unnecessary frustration and embarrassment. My credit report is an essential part of my financial and professional identity, and having inaccurate employer data attached to my name could raise red flags in credit applications, employment screenings, or identity verification processes. The emotional burden of continuously discovering false information on what should be a factual and secure report is exhausting and undermines my confidence in the credit reporting system. 

Under 15 U.S.C. 1681i ( a ), when a consumer disputes the completeness or accuracy of any item of information, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is accurate, and if it can not be verified, it must be promptly deleted. TransUnions failure to ensure that this employer information is factually correct before publishing it violates both the spirit and the letter of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year> fifth third bank closed my account with no notice. They KEPT the money that was in it. Fifth third bank has had a personal account representative call me - UNSOLICITED - just to see if I need anything and to sell me services many times.

But then they suddenly closed my account with NO NOTICE by email or phone even though they have my email address and use my phone number unsolicited regularly. 

My account was closed and the money I had in it is gone. 

I have asked fifth third bank for info and an explanation multiple times. They have never replied. Again, they had no problem calling me whenever they wanted to " check in '' ( sell me something ) but after closing my account they never replied even once.

The last statement said they sent showed two withdraws fifth third bank made in the same month and on the same statement. I never made these withdraws and I never authorized anyone else to make the withdraws. I have never gotten a reply from fifth third bank from my inquiries.

Company response to consumer: Closed with explanation