vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: PA

Complaint narrative:
I am reporting inter-agency fraud, I have called into all three agencies to have the multiple addressed removed from my account three times. They say it has been done but when I follow up the correction has been changed to the wrong address again. Also my score keeps decreasing. Someone is coming in behind my request and changing the corrections that I have requested to be made. There are 3 bankruptcy accounts on my credit report 2 of them have XXXX balance and 1 of them XXXX XXXX  is no longer the account holder ed fin is and it has a XXXX balance. 
All of the student loans due dates & balances are inaccurate and I would like for them to be removed from my credit report.in accordance with the FRCA ( s ) 611, USC ( s ) 1681i

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX XXXXccording to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-01 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 am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-01 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: CA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC
State: WA

Complaint narrative:
We have a unique situation/mortgage. There are XXXX of us on XXXX loan ( XXXX different properties - XXXX loan ) and uwm did an internal transfer and I am not able to access my account. If I use my ssn, the phone system doesn't recognize me and I can not get ahold of anyone. When I use the loan ID, I am placed on hold for XXXX minutes only to be hung up on when I request access online. The entire looping hold music is about getting information via their online portal that they won't give me access to. When I finally am back on with someone after another XXXX minute hold they cant even find me attached to the loan and therefore won't talk to me. 
I don't think its legal to deny loan holders access to their account. And even worse to hang up on them when they are trying to pay but have no access to do so. 
Also, they talk about linking multiple mortgages to XXXX account. So they have that ability but can not give individual access to the loan for all loan holders? Especially when we had access before their internal transfer? This is feeling very scammy that we can not even get anyone on the phone who can assist/ is willing to assist. I have been asking for access since mid XXXX. 
Dont advertise online payments and ease of access if its not available - this is deceptive business practices. 

Finally get through and told only the first XXXX can have access but they are already selling our loan again and its not even setup.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-08-01 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: FL

Complaint narrative:
I initiated a transfer from my Cash app account on XX/XX/year> for the amount of {$1700.00} to a recipient and XXXX XXXX with the ID of XXXX. 
This payment was for material and labor on a property. I manage in XXXXXXXX XXXX XXXX .. in the subject line I put a note to myself ( for XXXX and XXXX XXXX I did so because the workers nickname is XXXX XXXX ( XXXX ) Cash app flag the payment and it has been marked as pending ever since. I have been unable to actually speak to a live supervisor within cash app or block Inc. When I do inquire on the transaction, I am giving an auto generated Chatbot reply or I am given a scripted response by the call center agent each time I request to speak to a supervisor I am told they only correspond via email and every correspondence I get is a cookie cutter auto reply telling me The same thing that I need to reply only via email this has gone on long enough and under cash apps terms and conditions it clearly states if a payment is left as pending longer than 14 days it is automatically returned to the sender while it has been well over 14 days and as recently as XXXXXXXX XXXX XXXXXX/XX/XXXX I have still not received my money nor have I been able to speak to an actual supervisor on the phone to get the status of this pending transaction. I requested cancellation to no avail Ive requested assistance in no avail. I even resent {$1700.00} via Cash app using my credit card with an entirely different subject line and that one went through.. I am reaching out to you in hopes that you can help me. I am a small business owner. I dont have deep pockets and at {$1700.00} is desperately needed to continue doing business. Please reach out to me or give me a number I can call to request further assistance. 
Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: GA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under 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 non-monetary relief
Consumer complaint received 2025-08-01 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This is the letter I sent to Wells Fargo fraud department. 

I have submitted a claim and a dispute for both of these transactions and I have still not received a response for either of them. If I dont get a response and resolution, I will be contacting the Consumer Financial Protection Bureau . I have been a long time customer and I am more than disappointed in this bank and your customer service. 
Case XXXX XXXXXXXX {$570.00} was charged on my account multiple times on XX/XX/year>. I was trying to buy something through XXXX XXXX and I was notified through a text that it was a fraudulent transaction. I immediately canceled the transaction and they charged me XXXX times for that amount. I immediately called the bank while all three {$570.00} transactions were pending and the person on the phone told me not to worry, they were pending and wont go through and if they do, I can dispute them. XXXX ended up going through and the other XXXX didnt. I again called the bank to dispute the charge. You gave me a provisional credit on XX/XX/year>. Then on XX/XX/year> you reversed it leaving me to overdraft on XXXX transactions that I made. I got XXXX {$35.00} overdraft fees and because I didnt have enough money in the account. Now Im adding up another {$100.00} I am out because of fraud. I have disputed both of these amounts to no avail with no response. I got emails that I would be contacted for both but have not. I have called endless times with no resolution. I trust the bank with my money and want my {$680.00} back between all these transactions. I have a picture of my XXXX XXXX account and my overdraft transactions. Please help me with this issue. Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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 notice a new account appear on my credit report with the amount of {$110000.00} from XXXX, where my student loans are housed. i logged into my account to see my long standing accounts totaling the amount of {$5200.00} for XXXX subsidized loan and XXXX unsubsidized loan. i reached out to XXXX via a letter and have not received a response. i then disputed the account on my credit report through Experian and the dispute came back the next day from Experian stating the following " We reviewed the documentation you provided with your dispute, but determined that it was not sufficient to make the changes or deletions you requested

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 2025-08-01 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: NY

Complaint narrative:
I am writing with absolute certainty and extreme frustration regarding the numerous errors on my credit report. These inaccuracies have been negatively affecting my life and credit score, preventing me from achieving financial freedom and stability.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting a complaint against XXXX for inaccurate XXXX  reporting on an account that was closed and zeroed out before my XXXX  XXXX filing. 

The account was closed on XX/XX/XXXX, with a {$0.00} balance. My XXXX XXXX XXXX was filed later and XXXX XX/XX/XXXX ( XXXX XXXX. XXXX ). 

XXXX is currently reporting this account with remarks including : XXXX XXXX XXXX  Account closed by XXXX XXXX XXXX days late This is conflicting, misleading, and inaccurate under : FCRA 1681e ( b ) Accuracy and completeness of credit reports FCRA 1681s-2 ( b ) Duty of furnishers after notice of dispute UDAAP Unfair and deceptive practices that create misleading negative credit impacts This account was not part of the bankruptcy. It was closed prior, carried no balance, and did not undergo collection or charge-off. XXXX  reporting is legally and ethically wrong, and I am demanding correction or deletion.

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 2025-08-01 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: FL

Complaint narrative:
I am submitting a complaint against XXXX for inaccurate XXXX  reporting on an account that was closed and zeroed out before my XXXX  XXXX filing. 

The account was closed on XX/XX/XXXX, with a {$0.00} balance. My XXXX  XXXX XXXX  was filed later and XXXX XX/XX/XXXX ( XXXX XXXX. XXXX ). 

XXXX is currently reporting this account with remarks including : XXXX  XXXX XXXX  Account closed by XXXX XXXX XXXX days late This is conflicting, misleading, and inaccurate under : FCRA 1681e ( b ) Accuracy and completeness of credit reports FCRA 1681s-2 ( b ) Duty of furnishers after notice of dispute UDAAP Unfair and deceptive practices that create misleading negative credit impacts This account was not part of the XXXX. It was closed prior, carried no balance, and did not undergo collection or charge-off. XXXX  reporting is legally and ethically wrong, and I am demanding correction or deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-08-01 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: MN

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-08-01 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:
Consumer Name : XXXX XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX  on XX/XX/XXXX with a balance of {$21000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation