vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: MO

Complaint narrative:
I have already done submit the requested documents to the fruad team at current the check account company that requested my documents over and over and over again and they kept my own hard earned money from me for a month and then they closed my account and Experian has decided to keep it on my credit report which has made my credit score go down 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 2025-07-29 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: TX

Complaint narrative:
Complainant : XXXX XXXX Date of Birth : XX/XX/year> Social Security Number ( last 4 digits ) : XXXX Full SSN included for verification purposes : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My name is XXXX XXXX. XXXX, and I am submitting this formal complaint to report serious inaccuracies in how my personal informationespecially my address and Social Security Numberhas been used and reported across various financial and consumer databases. I am requesting immediate investigation, correction, and cleanup of any information associated with my identity that is incorrect or has been misused. 
1. Incorrect Address Associations : My official and current residential address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
However, I have discovered that other addresses have been falsely or mistakenly associated with my name and Social Security Number. I have never lived at these addresses, nor have I authorized any activity from them. 
2. Misuse or Error Involving My SSN and Identity : I believe that my Social Security Number ( XXXX ) and personal data may have been either : Incorrectly entered or matched by financial institutions, or Illegally used by unknown third parties. 
3. Impacts on My Credit and Records : These errors have resulted in inaccurate information appearing on my credit reports, along with misleading data that affects my ability to access credit and protect my identity. 


What I Am Requesting : I am formally asking the Consumer Financial Protection Bureau to : Investigate and correct any incorrect address ( es ) or identity records associated with my name and Social Security Number. 
Ensure that all financial and credit-related systems reflect only my accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Complainant : XXXX XXXX Date of Birth : XX/XX/year> Social Security Number ( last 4 digits ) : XXXX Full SSN included for verification purposes : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My name is XXXX XXXX. XXXX, and I am submitting this formal complaint to report serious inaccuracies in how my personal informationespecially my address and Social Security Numberhas been used and reported across various financial and consumer databases. I am requesting immediate investigation, correction, and cleanup of any information associated with my identity that is incorrect or has been misused. 
1. Incorrect Address Associations : My official and current residential address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
However, I have discovered that other addresses have been falsely or mistakenly associated with my name and Social Security Number. I have never lived at these addresses, nor have I authorized any activity from them. 
2. Misuse or Error Involving My SSN and Identity : I believe that my Social Security Number ( XXXX ) and personal data may have been either : Incorrectly entered or matched by financial institutions, or Illegally used by unknown third parties. 
3. Impacts on My Credit and Records : These errors have resulted in inaccurate information appearing on my credit reports, along with misleading data that affects my ability to access credit and protect my identity. 


What I Am Requesting : I am formally asking the Consumer Financial Protection Bureau to : Investigate and correct any incorrect address ( es ) or identity records associated with my name and Social Security Number. 
Ensure that all financial and credit-related systems reflect only my accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I was contacted by a company called XXXX, acting on behalf of LVNV Funding LLC, claiming I owe a debt that allegedly originated from XXXX XXXX XXXX. I do not acknowledge this debt and immediately requested full validation, including the signed agreement, a breakdown of the balance, and proof that LVNV legally owns the debt and that XXXX is authorized to collect on their behalf. 

They have failed to provide any of that information. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am legally entitled to full validation before they continue collection attempts or report to credit bureaus. Any action without validation is a violation of federal law. 

I believe this is an attempt to collect a potentially illegally sold or unverifiable debt, and I am requesting the CFPB investigate immediately. If this debt can not be validated with documented proof, it should be withdrawn and removed from any credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
Someone opened fraud accounts in my name. I reported the fraud account to the company and they habe yet to remove the accounts from my report that are fraudulent. I requested a fraud block.

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 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX I tried to make purchases From a company claiming to be buff city on line. With each card it was denied. So they had all my information of these cards. XXXX company called me and told me fraudelent activity was trying to be used on my card. The next day I got a call around XXXX pm claiming they were the fraud department from Wells Fargo. Asking me to repeat numbers from my phone and then having me withdraw money from my account. Unfortunately I did that. The problem is they also made a unauthorized transaction from my checking account for the amount of {$1500.00}. I never made that transaction and the bank added a XXXX transaction fee for this transaction. I have been with this bank over XXXX XXXX. This isn't fair at all

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-07-29 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-07-29 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate and fraudulent information on my credit report due to identity theft. I recently reviewed my credit report and discovered unauthorized accounts and/or transactions that I did not open or authorize. 

The following fraudulent accounts/transactions have been identified : Inquires- XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$520.00} XXXX XXXX XXXX XXXXXX/XX/XXXX. {$580.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$27000.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$1200.00} I ALSO NEED TO UPDATE AND MAKE SURE MY PLEASE CORRECT MY NAME : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate and fraudulent information on my credit report due to identity theft. I recently reviewed my credit report and discovered unauthorized accounts and/or transactions that I did not open or authorize. 

The following fraudulent accounts/transactions have been identified : Inquires- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$27000.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$1200.00} I ALSO NEED TO UPDATE AND MAKE SURE MY PLEASE CORRECT MY NAME : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate and fraudulent information on my credit report due to identity theft. I recently reviewed my credit report and discovered unauthorized accounts and/or transactions that I did not open or authorize. 

The following fraudulent accounts/transactions have been identified : Inquires- XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$520.00} XXXX XXXX XXXX XXXXXX/XX/XXXX. {$580.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$27000.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$1200.00} I ALSO NEED TO UPDATE AND MAKE SURE MY PLEASE CORRECT MY NAME : XXXXXXXX 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 2025-07-29 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:
I saw a {$250.00} amount appear on my credit report dated XX/XX/XXXX. I called the company and disputed it and asked for proof. They said it was a payday loan. They had it under my maiden name and social. They said they can't locate account by my XXXX emails. 

They added late charges and then XX/XX/XXXX they charged it off. My credit score dropped from XXXX to XXXX because of this. 
I disputed this with Experian and it is still on my credit bureau with no proof it is mine. 

I did not apply for this loan.

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 2025-07-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: AL

Complaint narrative:
I have already disputed my bill twice following the instructions on their website. 
But I didnt get any responses from the disputes. 
Instead, they still sent me a mail saying I owed them. 

When i called their representative asking about my disputes, they said they didnt see any dispute. 

I told them I want to dispute, but the representative told me I have to dispute through snail mail, which is completely different from what their website says. 

I feel like theyre just trying to use complicated procedures to waste my time and make me quiz the dispute and pay whatever they asked. 

The letter I received from them also says I can dispute online.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: NJ

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 non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX, I made a purchase through XXXX using XXXX to buy tickets for a specific event. The event has a scheduled date, and the tickets were listed without a clear delivery timeline. After placing the order, I contacted XXXX on XX/XX/XXXX, and XXXX requesting confirmation that the tickets would be delivered on time. I only received a generic auto-response that did not address my concerns. 

I also contacted XXXX on XX/XX/XXXX and XXXX, with no reply. On XX/XX/XXXX, I sent a third message and finally received a response stating my case was being escalated. However, no resolution or meaningful update has followed. 

I later discovered that XXXX guarantee now states the tickets may be delivered as late as XXXXXXXX XXXX. on the day of the event, which makes the product essentially unusable for anyone who is traveling or making plans in advance. This was not made clear at the time of purchase. 

This purchase is for time-sensitive goods. I am traveling for the event, and the lack of delivery and communication has placed me at serious risk of financial loss. XXXX has not confirmed whether the seller even has the tickets, and XXXX has not provided dispute protection despite multiple requests. 

I am requesting that XXXX cancel or refund the transaction. The merchant has not fulfilled their obligation, and I should not be held financially responsible for a product that has not been delivered and may not arrive in time to be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I didnt apply for anything they was unauthorized please delete please and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: MS

Complaint narrative:
I am writing to formally dispute the reporting of a XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  account on my credit report. This account is being inaccurately reported as a charge-off, which is not appropriate or accurate for a secured credit card. 



Secured cards are funded directly by the consumer and can not be used beyond the amount deposited. This account was never left with a negative balance, and there is no valid basis for it to be reported as charged off. A secured card that is pre-funded and not revolving credit should not result in a charge-off under any legitimate lending or reporting practices. 



I am requesting that this account be fully deleted and removed from my credit report across all bureaus. It is damaging my credit profile unjustly and inaccurately. 



Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and delete this account from my file. Please provide written confirmation once the investigation has been completed.

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 2025-07-29 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: MS

Complaint narrative:
I am writing to formally dispute the reporting of a XXXXXXXX XXXX XXXX XXXX XXXX XXXX account on my credit report. This account is being inaccurately reported as a charge-off, which is not appropriate or accurate for a secured credit card. 



Secured cards are funded directly by the consumer and can not be used beyond the amount deposited. This account was never left with a negative balance, and there is no valid basis for it to be reported as charged off. A secured card that is pre-funded and not revolving credit should not result in a charge-off under any legitimate lending or reporting practices. 



I am requesting that this account be fully deleted and removed from my credit report across all bureaus. It is damaging my credit profile unjustly and inaccurately. 



Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and delete this account from my file. Please provide written confirmation once the investigation has been completed.

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 2025-07-29 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to formally dispute the reporting of a XXXX XXXX XXXX XXXX XXXX XXXX  account on my credit report. This account is being inaccurately reported as a charge-off, which is not appropriate or accurate for a secured credit card. 



Secured cards are funded directly by the consumer and can not be used beyond the amount deposited. This account was never left with a negative balance, and there is no valid basis for it to be reported as charged off. A secured card that is pre-funded and not revolving credit should not result in a charge-off under any legitimate lending or reporting practices. 



I am requesting that this account be fully deleted and removed from my credit report across all bureaus. It is damaging my credit profile unjustly and inaccurately. 



Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and delete this account from my file. Please provide written confirmation once the investigation has been completed.

Company response to consumer: Closed with non-monetary relief