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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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: MO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-13 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: PR

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: PR

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have no affiliation with this account ; it has been reported incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion Consumer SolutionsXXXX XXXX XXXX XXXX XXXXSubject: Formal Dispute of Inaccurate/Negative Items Under FCRA  Request for Immediate Deletion\nDear TransUnion,\nI am writing to formally dispute 1 inaccurate, unverifiable, and outdated item listed on my credit report. Under the Fair Credit Reporting Act (FCRA), I am entitled to a fair, accurate, and substantiated credit file. I am also protected under the Fair and Accurate Credit Transactions Act (FACTA) from the harmful impact of identity theft and data misuse.\nGiven the XXXX  data breach of XXXX, in which the personal information of over 147 million Americansincluding names, Social Security numbers, dates of birth, and addresseswas compromised, and the more recent "Mother of All Breaches" (MOAB) in XXXX, as well as the XXXX XXXX breach exposing over 16 billion passwords and credentials, it is no longer reasonable to assume that every item on a credit report genuinely belongs to the consumer without independent verification.\nDue to the magnitude and frequency of these massive data breaches, I am requesting that the following accounts be thoroughly investigated and permanently deleted from my credit file if any of the information cannot be 100% verified with original source documentation:\nAccounts in Dispute:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccording to the FCRA:\n\tYou must complete your reinvestigation within 30 days of receiving this dispute.\n\tIf an item cannot be verified, it must be deleted from my credit report.\n\tYou are also required to notify me in writing of the results of your investigation.\nAdditionally, I demand you provide:\n1.\tThe name, address, and contact information of each data furnisher for the accounts in question.\n2.\tA description of the procedure used to determine the accuracy and completeness of the information.\n3.\tProof of my authorization or contractual obligation for the items listedespecially in light of known breaches and potential fraudulent use of personal data.\nFailure to respond within 30 days will result in formal complaints being filed with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my state Attorney Generals office.\nAs a consumer exercising my rights under federal law, I expect your full compliance with the FCRA and FACTA. This is not a frivolous disputethis is a good-faith effort to correct a credit report marred by inaccurate and potentially fraudulent information.\nPlease confirm receipt of this letter and inform me once the disputed information is deleted.\nSincerelyXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally request the removal of outdated and incorrect personal information from my credit file in accordance with the Fair Credit Reporting Act ( FCRA 611 ). Please update my file to reflect only my correct and current information as listed below : Correct Information : Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Please remove the following inaccurate or outdated entries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my photo ID and a recent utility bill as proof of identity and address. Please confirm in writing once these changes are complete. 
Sincerely, 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: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Self Financial Inc.
State: SC

Complaint narrative:
I began using the credit building service, Self On XX/XX/XXXX. I tried to make a payment of {$48.00}. The initial payment attempt failed but was retried on XXXX and is currently marked as successful on both mine and Selfs records. Despite this, the {$48.00} payment has never been accurately reflected in my credit builder account balance. I contacted customer service on XX/XX/XXXX, and was told the payment would post on XX/XX/XXXX. When the payment still hadn't appeared, I contacted customer service again on XX/XX/XXXX, and was incorrectly told the amount had already been posted. In reality, the balance on my credit builder account is not only short the full {$48.00}, but it has been showing a small, unexplained daily decrease ; it started at approximately {$28.00} but has now dropped to {$26.00}. Furthermore, I have been assessed an unexpected {$15.00} Insufficient Funds Fee ( NSF ) stemming from the initial failed attempt, an error which I believe was compounded by the system 's own subsequent confusion and failure to post the successful payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Good evening I have been going back and forth with XXXX  for over 2 weeks now about 2 disputes that was on my account for transactions I did not do nor did I know they was on there. On XX/XX/XXXX there was 2 transactions posted on my account one in the amount of {$880.00} and another for {$660.00} from 2 different people within 5 minutes apart I was not aware of this because I do not use XXXX much. On XX/XX/XXXX my aunt sent me {$2000.00} to help me pay some bills that's when I realized what was going on with my account when I opened it to check if it was there, and that's when I seen {$1500.00} was on hold so as soon as she sent it XXXX  took the {$1500.00} out of the {$2000.00} .... That's when I realized my account had been compromised someone scammed my XXXX  added a XXXX  card illegally got those two people to send the money and immediately did a instant transfer to the card that I have never had in my possession so I immediately contacted XXXX  to resolve the issue and disputes had already been filed by each individual so I just had to wait... 3 days later the dispute for {$880.00} was resolved in my favor and I got my money back for the {$880.00} but I am still fighting XXXX  to get my {$660.00} back. I have turned in everything they have requested even had 3 different supervisors say it would be resolved in my favor due to everything I told them and all the notes and stuff that I have turned in but nothing still has been done about it... They are trying to say I did an instant transfer with a card ending in last 4 digits that I have never had through XXXX. I even got ahold of XXXX  and they also said I have never had a card through them ending with the last 4 digits NOR is there anything on my XXXX XXXX  statement that shows a {$660.00} instant transfer from XXXX  to XXXX... I have been going through grave links to prove my innocence spent countless minutes on the phone with multiply different XXXX  representatives including 3 supervisors missed work, been mentally drained, and can't pay my bills because the help that was given to me was taken so quickly due to my XXXX  account being compromised and it's like they don't care because nothing is being done about it....

Company response to consumer: Closed with 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: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
Dear ChexSystems Compliance Department, I am writing to formally dispute and demand the immediate removal of multiple fraudulent inquiries and entries appearing on my ChexSystems report. These inquiries were not authorized by me, constitute identity theft, and are damaging my financial reputation. 

Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize any of these inquiries or accounts, and any claim to the contrary is fraudulent.

Legal Basis for Immediate Removal : FCRA 605B & 611 ( a ) ( 5 ) Because these entries are the result of identity theft, I am entitled to have them blocked and removed immediately upon submission of an Identity Theft Report.

FCRA 607 ( b ) & 611 ( a ) ChexSystems is required to conduct a reasonable and timely investigation. If these entries can not be verified with competent evidence, they must be deleted immediately.

FCRA 623 ( a ) ( 8 ) & 15 U.S.C. 1681s-2 ( b ) Furnishers reporting fraudulent or inaccurate information must correct or delete it. Failure to do so exposes your organization to legal liability.

Uniform Commercial Code ( UCC 3-403 & 3-404 ) Unauthorized use of personal information to open accounts or perform inquiries is a fraudulent act, enforceable under UCC laws.

Immediate Action Requested : Delete all fraudulent inquiries listed above within 3 business days.

Provide written confirmation of deletion and investigation results. 

If any entry is claimed to be authorized, provide all documentation proving authorization, including signed applications, IP logs, phone recordings, or any other consent. 

Failure to comply is a willful violation of the FCRA and exposes ChexSystems to statutory damages, actual damages, and attorney fees. I reserve all rights to escalate this matter immediately to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and law enforcement. 

I expect immediate action and written confirmation of 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 explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: CA

Complaint narrative:
For approximately eight months, I have repeatedly encountered errors when attempting to transfer funds from my U.S. Bank checking account to external financial institutions ( e.g., XXXX  XXXX, XXXX, XXXX, XXXX XXXX ). The system consistently returns the same message : Were experiencing some issues. Please try again later. 
However, when transferring funds between my own U.S. Bank accounts such as from personal to business or to my U.S. Bank credit card, the transfers process successfully and without delay. This strongly suggests the problem is not on my end, but rather a system-level restriction on outbound transfers. 
I have contacted U.S. Bank on multiple occasions to resolve this. The only guidance Ive received is to physically visit a branch an unreasonable expectation for standard digital banking functionality, especially for a business owner. 
I am requesting a formal explanation : Why does the system fail only when transferring funds out of U.S. Bank to other institutions? 
Why is there no resolution after eight months of consistent failure? 
Is there any internal policy limiting outbound transfers that has not been disclosed to the customer? 
I have screenshots documenting this issue, including one from today. This ongoing disruption impacts my ability to operate efficiently and undermines confidence in U.S. Banks online systems.

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 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mobiloans, LLC
State: CA

Complaint narrative:
I am filing a formal complaint against Mobile Loans for improper lending and billing practices. The company has reported or attempted to collect on an alleged loan account that I never authorized with a wet signature or valid contract. 

Details of my complaint : I never signed or received any document that authorizes this loan. 

Mobile Loans has failed to provide proof of my consent or a copy of any agreement bearing my signature. 

The only thing I ever received from them was a bill no signed documentation or contract was ever sent to me for verification. 

This raises serious concerns about identity verification, lending practices, and compliance with the Truth in Lending Act ( TILA ) and Fair Credit Reporting Act ( FCRA ). 

I believe this company may be attempting to collect on an account that was never properly authorized, and their failure to provide a signed agreement constitutes a violation of federal consumer protection laws. 

Requested Resolution : I request that the CFPB investigate this matter and require Mobile Loans to : Provide a copy of the signed contract ( with my wet or electronic signature ). 

Cease all collection activity and reporting until verification is provided. 

Remove any negative or inaccurate information reported to the credit bureaus regarding this alleged loan. 

Thank you for your time and assistance in reviewing this matter.

Company response to consumer: Untimely response
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: CA

Complaint narrative:
XXXXGood day,XXXXI am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation