vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: IL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-08-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: GA

Complaint narrative:
Money was sent to the wrong cash app and the person is not trying to give me my money back I have contacted cash app with no luck and Im filing a police report. Transaction was made on XX/XX/year> at XXXX pm. XXXX was sent to cash app name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years. 

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.

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 2025-08-28 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX * * * * *, Date Opened : XX/XX/XXXX, Balance : {$4700.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$980.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-28 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: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I am the victim of identity theft and filed a police report ( 2022 ) and an FTC Identity Theft Report. I submitted these documents, along with my government-issued ID, to XXXX XXXX, and XXXX. Despite this, Experian continues to report a fraudulent Synerprise Consulting SE collection account ( ending XXXX ) with a balance of {$950.00}. I have attached mt credit report showing only Experian is reporting this unauthorized account. 

This account does not belong to me. It is tied to XXXX XXXX XXXX, a medical provider I never authorized or received services from. The account is closed but continues to report as derogatory. 

FCRA & Compliance Violations FCRA 605B ( 15 U.S.C. 1681c-2 ) : Experian failed to block this fraudulent account within XXXX business days after receiving valid identity theft documentation. 

FCRA 1681e ( b ) : Experian continues to report unverifiable, inaccurate data, failing to ensure maximum possible accuracy.

FCRA 1681i : Experian conducted a sham reinvestigation and continues to verify the account without producing any documentation.

FCRA 1681i ( a ) ( 7 ) : Experian has not provided the required method of verification, including who was contacted and what documents were reviewed.

Metro 2 Violations : The tradeline is incomplete and misleading, missing required fields such as Date of First Delinquency, Payment Rating, and Compliance Condition Codes.

HIPAA Concerns : Since this involves a medical debt, Synerprise Consulting SE may not have the legal right to access, share, or report this information without a proper HIPAA authorization from me, which I never provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EdFinancial Services
State: MO

Complaint narrative:
Issue : EdFinancial has inaccurately reported XXXX ( XXXX ) missed payments and XXXX ( XXXX ) derogatory marks on my credit report, despite the fact that I did not have an account set up to make payments at the time. When being notified of the late payments they did not send emails nor letters stating that the payments had resumed. While its important to express that I have been responsible and respectful of Edfinancials attempts at helping me I feel they have done me more wrong over the last XXXX  months than anyone could ever. This has unfairly lowered my credit score by over XXXX points and is becoming a problem in career and marriage. 

Details : When I discovered the errors, I immediately contacted EdFinancial in XX/XX/year>. The agent guided me through account setup and instructed me to file disputes with the credit bureaus after XXXX weeks, assuring me the issue would be corrected. I was told detailed notes would be placed on my account. 

I followed these instructions, but all disputes were denied after EdFinancial verified the inaccurate reporting as correct. Later, in XX/XX/year>, a supervisor admitted that the account had been mishandled from the beginning and that the outcome could have been different had the original agent acted properly. He promised to review call recordings and follow up but never did. 

In XX/XX/year>, another agent contradicted this, claiming I had always been told accurate information. When I asked for copies of call logs, notes, or records, I was explicitly told no, that EdFinancial would not provide me with any record of my contacts. This is also when I was told I could fix the issues that needed to be resolved. By contacting their supervisor. Which I did. I have attached a pdf with detailed call logs from my memory as Edfinancial did not want to disclose them with me prior to this complaint. I assume they no longer have them on record or is trying to cover their backs.

This demonstrates systemic issues with EdFinancial, including misleading instructions, lost notes, contradictory statements, refusal to provide customer records, and inaccurate credit reporting. I never would have filed multiple disputes had I not been directly instructed to do so by their representative.

Impact : My credit score has dropped more than XXXX points. 
I now appear to have a history of missed payments that never should have existed. 
These errors and the refusal to correct them will affect my ability to secure future loans or credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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:
Despite my repeated efforts to dispute the fraudulent, inaccurate, and misleading information appearing on my consumer report, these items continue to remain unresolved. The presence of this unauthorized information has caused me considerable stress and financial hardship, as I never consented to or authorized the association of these accounts with my personal information. As a victim of identity theft, I require immediate assistance in removing these damaging entries that do not reflect my actual credit history or financial behavior.

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 2025-08-29 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: TX

Complaint narrative:
Despite my repeated efforts to dispute the fraudulent, inaccurate, and misleading information appearing on my consumer report, these items continue to remain unresolved. The presence of this unauthorized information has caused me considerable stress and financial hardship, as I never consented to or authorized the association of these accounts with my personal information. As a victim of identity theft, I require immediate assistance in removing these damaging entries that do not reflect my actual credit history or financial behavior.

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 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALCHRO INC.
State: TX

Complaint narrative:
To : First Federal Credit To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency.

I have never been notified of this collection action or that I owed the debt.

This letter is to inform you that I have the right to request here validation of this debt and your ability to collect this morn from me. I ask that you prove that I am indeed the party. who is contractually bound to pay off this debt or stop 1+ collection activity and remove it all together.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I applied for a Wells Fargo Reflect Card to use for a balance transfer. I have an impeccable history with Wells Fargo. 

I have a credit card with them. XXXX  years, paid on time. My Fico Score is excellent. High XXXX or possibly XXXX score. 

My application was denied because my name is on another account with my family, which I have no control or interactions. NO checking or savings account. Their reasons were laughable. 

Subsequently, I applied for a different bank credit card and because of Wells Fargo, it is under review.

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 2025-08-28 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 am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-08-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Opportunity Financial, LLC
State: MN

Complaint narrative:
I am filing this complaint regarding OppLoansXXXX XXXX  XXXX This company has reported multiple accounts/loans on my credit report more than six times without my knowledge or authorization. 



I have no relationship with OppLoans or XXXX XXXX and I do not recall ever opening an account or loan with them. The multiple entries on my credit report suggest either identity theft or improper/fraudulent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXXXXXX 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 XXXXXXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
On Saturday, XX/XX/2024, I placed an order with XXXX  XXXX ( Order # XXXX ) and selected Afterpay as my payment method. The order was shipped through XXXX. XXXX lost the package for XXXX weeks, and when they finally located it, they delivered it to the wrong address. XXXX admitted fault for this mistake and, since XXXX XXXX has refused to issue me any refund, XXXX confirmed today that they will be mailing me a refund check directly. 

I provided documentation showing that XXXX delivered the package to the wrong address. Despite this proof, XXXX still sided with XXXX XXXX. I have been a loyal client with XXXX for many years with a strong repayment track record, yet instead of supporting me in a clear case of XXXX error, XXXX completely cut me off from their platform. 

XXXX XXXX, meanwhile, has refused to update XXXX to reflect the XXXX refund, even though XXXX has informed me directly that they require XXXX XXXX to notify them before they can adjust my account. I contacted XXXX multiple times to dispute the charge, but they stated they can not proceed until XXXX XXXX confirms the refund. 

XXXX XXXX continues to push responsibility elsewhere and has not resolved this issue, leaving me stuck paying for merchandise I never received. I have also filed a complaint with the Better Business Bureau regarding XXXX XXXX handling of this matter. 

This issue has been ongoing since XX/XX/2024, and I am still being held responsible for a purchase that was refunded by XXXX and never fulfilled by XXXX XXXX. I am requesting that XXXX and XXXX XXXX correct this error and update my account to reflect the refund, as well as restore my access to XXXX given that I have done nothing wrong in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: MN

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-08-28 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: PA

Complaint narrative:
I am filing this complaint because inaccurate and unlawfully reported information on my credit reports with Experian, Equifax, and TransUnion has directly harmed my ability to provide for my family as a father. These items are preventing me from obtaining credit to secure reliable transportation, housing, and financial tools necessary for the well-being of my children. The continued reporting of inaccurate, unverifiable, and inconsistent accounts and inquiries is causing significant financial and emotional hardship. 

Accounts and Inquiries XXXX. XXXX XXXX {$1000.00} XX/XX/XXXX TransUnion XXXX Equifax Violations : FCRA 1681e ( b ) : Furnisher failed to maintain maximum possible accuracy. The account is inconsistently reported across bureaus. 
FCRA 1681i ( a ) : Bureaus failed to properly reinvestigate after disputes. 
Metro 2 Compliance : Possible incomplete or outdated reporting of status and balance.

Relief Requested : Permanent deletion due to unverifiable and misleading reporting.

XXXX. XXXX XXXX {$1400.00} XX/XX/XXXX TransUnion, Experian & Equifax Violations : FCRA 605 ( a ) ( 4 ) / ( 5 ) : Possible reporting of obsolete or delinquent account beyond the 7-year period.

FCRA 1681e ( b ) : Inaccurate or inconsistent balances across bureaus.

Metro 2 : Payment history or account status may not have been updated accurately.

Relief Requested : Permanent deletion due to outdated, inconsistent, and unverifiable reporting. 

XXXX XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX Experian Only Violations : FCRA 623 ( a ) ( 1 ) ( A ) : Furnisher failed to provide accurate information to all CRAs.

FCRA 611 ( a ) : Information is unverifiable ; consumer disputes were not properly investigated.

Metro 2 Compliance : Possible incomplete or inconsistent account reporting.

Relief Requested : Permanent deletion due to unverifiable and inconsistent reporting. 


Summary of Violations FCRA 1681e ( b ) : Furnishers must ensure maximum accuracy ; inaccurate balances, missing bureaus, or misreported status violate this.

FCRA 1681i ( a ) : Bureaus must properly investigate disputes and correct or delete unverifiable items.

F

CRA 605 ( a ) : Prohibits reporting obsolete accounts beyond the statutory period. Metro 2 Compliance : Accounts m
ust be reported accurately, completely, and in standardized format.

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