vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: CA

Complaint narrative:
Bank errors in billing and reporting are unlawfully and negatively affecting my credit. Under the Truth in Lending Act ( TILA ), 15 U.S. Code 1666 ( b ), creditors are required to accurately record and reflect all payments and credits. Multiple violations have occurred, including : Payments I made that were not properly credited.

Clear calculation errors in the reported balances.

Failure to provide the legally required 21-day notice prior to a payment due date, rendering any late payment marks invalid.

These inaccuracies constitute violations of federal law and have caused unjust damage to my credit standing.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I SENT INFORMATION ON SEVERAL OCCASSIONS INCLUDING FTC REPORT AND INFORMATION THAT I WAS INVOLVED IN A DATA BREACH AND STILL HAVE NOT REMOVED THE 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 2025-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On Sunday, XX/XX/year>2025, my husband sent me money via Zelle using my phone number which has been enrolled and verified for use of Zelle for years. When he sent it, I received a text from Zelle telling me to enroll. Ive never, ever received a text from Zelle because Ive been enrolled for years. When I clicked the link which led to the Zelle site, I had to find my bank and then was forwarded to my banking app. Within Zelle on XXXX, it says that I have a pending transaction from XXXX XXXX ( my husband ), and after pressing next, it took me to a page where I needed to choose which email or phone number was enrolled but there were NO choices. I went into my Zelle settings within XXXX and found both the phone number the money was sent to as well as my primary email were already enrolled and verified to receive funds. I assumed that maybe I just needed to wait even though its always been instant. After a full day, I called Zelle and was told the phone number was just verified to receive funds ( it was not and I have proof that confirms this via my Zelle transaction history ) which means it could take 3 business days. After 3 business days, I receive ANOTHER TEXT saying I have money from Zelle and to click the link to enroll. Which led to the same fruitless process as it had the days prior. I called Zelle again and was told it was actually the FOURTH business day and she wanted me to check to make sure I actually got the text today. I had indeed received the text that morning at XXXX. The agent then said she was going to talk with her supervisor and comes back to say, oh its a glitch, just ignore it. I replied, so its a glitch that just so happens to correlate with the fact that I still dont have the money and cant accept the payment? She said yes and if I didnt get it the next day, I had to contact my bank. This should be a class action lawsuit with the amount of complaints Ive read on XXXX and all over the internet. Zelle took my husbands money immediately from his account-which now shows as completed so he cant even cancel it-yet its not in mine. Im sorry but thats consumer theft : the money is gone from his account and after 3 business days its not in mine. This company should be fined by the federal bank oversight commission for blatant theft of customer money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: KEYCORP
State: NY

Complaint narrative:
DATE : XXXX SUBJECT : KeyBank_Doesn't_See_Updated_NY_State_Mailing_Address_ ( XXXXmaybe ) CFPB ORIGINAL COMPLAINT NUMBER : XXXX MESSAGE : In your cfpb response dated XXXX, you state, ' ... In order to update your address, [ I ] must contact [ your ] customer service at XXXX ... '',. That's XXXX XXXX ; I've called that number many times and all they could say to me is ' ... to contact the State ... ' ; I will NOT waste my valuable time calling again about this matter. My new mailing address has been updated in all applicable State systems. You could continue closing my XXXX OPEN/UNRESOLVED complaints as I will continuously open new XXXX complaints for every XXXX complaint I've opened until each XXXX complaint gets XXXX respectfully resolved. As usual, no XXXX snail mail and no XXXX phone calls, and keep your XXXX responses contained per original complaint. Have a great day, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
Company did not send purchase agreement from creditor with the signature of all parties i Am requesting immediate deletion of alleged debt from all consumer reporting agencies. XXXX XXXX, XXXX XXXX and XXXX XXXX. Validation of debt. USC 15 USC1692 G

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: VA

Complaint narrative:
I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by the credit bureaus. I submitted a complaint to the credit bureaus regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, the credit bureaus are legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from the credit bureaus. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that the credit bureaus address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. Attached you will also find my ID as proofofmyidentity. my Proof of Address, and SSN Card.

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 2025-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by the credit bureaus. I submitted a complaint to the credit bureaus regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, the credit bureaus are legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from the credit bureaus. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that the credit bureaus address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. Attached you will also find my ID as proofofmyidentity. my Proof of Address, and SSN Card.

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 2025-08-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
I am responding to the documents provided by Monterey Collection Services as alleged verification of my account. Their submission fails to meet the standard for verification under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), and contains elements that may be unfair or deceptive under the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ).

Reasons the debt remains unverified : 1. No Proof of Full Delivery The contract states goods are delivered only after final payment. They claim I owe {$2600.00}, yet they have provided no delivery receipts, email confirmations, or other evidence showing I received all items/services purchased.

2. Unfair Non-Cancelable Clause The agreement says it can never be canceled, even if the company fails to perform. FDUTPA prohibits unconscionable and one-sided terms.

3. Contradictory Ownership Language One section says I own the copyrights to my images once purchased, while another says the company owns them and can use them for marketing. This
contradiction makes the contract ambiguous and questionable.

4. No Proof of Legal Assignment Monterey has not produced a chain of title showing XXXX XXXX legally transferred my account to them. A copy of my original contract is not proof of ownership.

5. Misleading Marketing Services were promoted as a XXXX portfolio, implying career opportunities, but fine print says they are not an agency and will not find work. This can be deceptive under FDUTPA.

6. Irrelevant Photo Evidence A single photo taken at their studio does not prove full delivery, the balance owed, or legal ownership of the debt.

Because of these deficiencies, the documentation provided does not constitute a verified debt. I request that the CFPB instruct the furnisher to delete this account from my credit reports as unverified.

Account/Reference # : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: MI

Complaint narrative:
I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items.

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 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-08-13 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: IL

Complaint narrative:
THIS IS NOT DUPLICATE COMPLAINT!!!!! 

REFER TO COMPLAINT # XXXX THIS IS ILLEGAL AND AGAINST THE FAIR DEBT COLLECTING PRACTICES ACT. 

A 1982 Student loan is reporting to my credit report and is beyond the statue of limitations. The account in question is 45 years old and has NOT had any ACTIVITY in 40 years. This company is reporting this account to my credit report as a new loan. This student loan company is unlawfully violating The fair Credit Reporting Act ( 15 U.S.C. 1681c ). This Debt should no longer be reported and deleted from my credit file.

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 2025-08-13 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: IL

Complaint narrative:
THIS IS NOT DUPLICATE COMPLAINT!!!!! 

REFER TO COMPLAINT # XXXX THIS IS ILLEGAL AND AGAINST THE FAIR DEBT COLLECTING PRACTICES ACT. 

A 1982 Student loan is reporting to my credit report and is beyond the statue of limitations. The account in question is 45 years old and has NOT had any ACTIVITY in 40 years. This company is reporting this account to my credit report as a new loan. This student loan company is unlawfully violating The fair Credit Reporting Act ( 15 U.S.C. 1681c ). This Debt should no longer be reported and deleted from my credit file.

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 2025-08-13 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: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: GA

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 four 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 - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} 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 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: PA

Complaint narrative:
I had an account with cashapp and they closed my account. I got a new phone and made a new one because the device was banned from making a new account. It was okay for a bit then I got banned for literally no reason what so ever because all I did was send money to my girlfriend, my mom and my land lord. Since then even on a new device I'm still banned when trying to make a new account as soon as I put in my ssn to verify myself. When i tried addressing it they just said i proke policy terms with no explanation on how i broke it. It's a major inconvenience since I use that to pay rent and send money to loved ones

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
I am a victim of identity theft. XXXX fraudulent accounts have been reported in my name : XXXX. XXXX XXXX XXXX Account XXXX. XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX XXXX. XXXX XXXX, XXXX Account No. XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX I did not authorize or open either account. Both appear on my credit report without my knowledge or consent. 
Legal Basis for Dispute : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i Requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information and promptly delete unverifiable or inaccurate data.

2. FCRA, 15 U.S.C. 1681c-2 ( Section 605B ) Requires credit reporting agencies to block all information related to an alleged identity theft account within four business days upon receipt of proper identity theft documentation.

3. Fair and Accurate Credit Transactions Act ( FACTA ), 15 U.S.C. 1681c-1 Provides for initial and extended fraud alerts to help protect consumers from further identity theft.

4. Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 Criminalizes the unauthorized use of personal identifying information for fraudulent purposes. 



Actions Taken : Filed an FTC Identity Theft Report ( Report # XXXX ). 
Sent disputes to all credit bureaus under the FCRA requesting immediate removal of the accounts. 
Placed fraud alerts on my credit files. 



Requested Resolution : I request the CFPB ensure that : XXXX. XXXX XXXX XXXX and XXXX XXXX, XXXX immediately cease reporting these fraudulent accounts. 
2. All credit reporting agencies permanently delete the accounts from my credit file.

3. Written confirmation is provided by both creditors and all credit bureaus confirming removal and blocking of the accounts under FCRA 605B.

4. Any collection activity or attempts to verify these fraudulent accounts are terminated.

5. My credit file and score are corrected to remove any negative effects caused by these accounts. 



Supporting Documentation : FTC Identity Theft Report ( attached ) Government-issued photo ID Proof of current address ( utility bill ) Copies of dispute letters sent to the credit bureaus Certification : I declare under penalty of perjury that the above information is true and correct to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: OR

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-08-13 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:
What a shocking and deeply concerning surprise! Upon reviewing my credit report, I have come across some negative accounts that I never authorized and that, although they have a zero balance, are entirely unrelated to me. I can not believe such products could appear without my consent! I feel dismayed and alarmed by this situation, and I urgently need your support to clarify this evident case of fraud. 

There are accounts : XXXX : # XXXX  XXXX Date Opened XX/XX/XXXX BALANCE XXXX XXXX  XXXX : # XXXX  XXXX Date Opened XX/XX/XXXX BALANCE {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief