vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
SUBJECT : FINAL DEMAND : DELETE FRAUDULENT XXXX XXXX XXXX XXXX XXXX  CFPB # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX TO : TRANSUNION DISPUTE DEPARTMENT I DEMAND IMMEDIATE AND PERMANENT DELETION OF THE FOLLOWING ACCOUNT under 15 U.S.C. 1681i ( FCRA 611 ), 1681c-2 ( FCRA 605B ), and 1681n ( Civil Liability ) : ACTIVE CFPB COMPLAINT XXXX XXXXXXXX ( Filed XX/XX/year> ) XXXX XXXX REPORT XXXX XXXXXXXX XXXX Filed XX/XX/year> ) OFFICIAL PROOF OF IDENTITY THEFT FRAUDULENT ACCOUNT TO DELETE IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEVER opened, applied for, or used by me ) YOU ARE IN WILLFUL VIOLATION OF FEDERAL LAW : FCRA 605B MUST BLOCK identity theft accounts within XXXX business days of police report. 
FCRA 611 MUST CONDUCT REASONABLE INVESTIGATION not accept unverified data. 
15 U.S.C. 1681n XXXX XXXXXXXX STATUTORY DAMAGES PER VIOLATION XXXX attorney fees. 
NON-NEGOTIABLE DEMANDS ( EFFECTIVE NOW ) : DELETE XXXX XXXX XXXX XXXX XXXXXXXX WITHIN XXXX HOURS BLOCK AS FRAUD PER FCRA 605B SEND UPDATED CREDIT REPORT to my address above {$0.00} LIABILITY FULL REMOVAL CONFIRM DELETION IN WRITING THIS IS YOUR FINAL NOTICE. 
Other fraud accounts already deleted by XXXX CFPB XXXX XXXXXXXX actively tracking your response Failure to act XXXX  WILLFUL VIOLATION I will pursue maximum damages, punitive awards, and CFPB escalation if XXXX XXXX XXXX XXXX XXXX XXXX not deleted within XXXX business days. 
DECLARATION UNDER PENALTY OF PERJURY ( 28 U.S.C. 1746 ) : EVERY STATEMENT IS TRUE AND CORRECT. 
XXXX XXXX XXXX XX/XX/year> Electronic Signature : 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 2025-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
XXXX XXXX is the insurance that is used for bridge crest repairs and it wont give me options to have better payment plans only if you pay there balance off in order for them to work with you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: McCarthy & Holthus, LLP
State: CA

Complaint narrative:
McCarthy & Holthus LLP pursued foreclosure and bankruptcy actions using a forged deed and a {$0.00} proof of claim to collect a debt that does not exist. XXXX XXXX XXXX XXXX previously responded to CFPB on XX/XX/year> ( Complaint XXXX ), stating : The company responded that they are not the appropriate company to address your issue, confirming XXXX XXXX XXXX as the responsible party. Despite prior CFPB complaints on XX/XX/year> ( Complaint XXXX ) and written police notice of the forgery, XXXX XXXX XXXX continued unauthorized foreclosure and collection, misrepresenting creditor identity and misusing federal court filings and processes. Their conduct violates federal consumer protection laws, including the FDCPA, RESPA/Regulation X, and the Consumer Financial Protection Act, and warrants CFPB investigation and referral to the OCC and other regulators.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: McCarthy & Holthus, LLP
State: CA

Complaint narrative:
McCarthy & Holthus LLP pursued foreclosure and bankruptcy actions using a forged deed and a {$0.00} proof of claim to collect a debt that does not exist. XXXX XXXX XXXX XXXX previously responded to CFPB on XX/XX/2025 ( Complaint XXXX ), stating : The company responded that they are not the appropriate company to address your issue, confirming XXXX & XXXX as the responsible party. Despite prior CFPB complaints on XX/XX/2025 ( Complaint XXXX ) and written police notice of the forgery, XXXX & XXXX continued unauthorized foreclosure and collection, misrepresenting creditor identity and misusing federal court filings and processes. Their conduct violates federal consumer protection laws, including the FDCPA, RESPA/Regulation X, and the Consumer Financial Protection Act, and warrants CFPB investigation and referral to the OCC and other regulators.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Someone used my card for a XXXX charge to apple pay. Also tried to run it again the following day. Huntington bank. Froze my accounts on XXXX of XXXX weekend. Couldn't access my money for the holiday weekend. Because of this charge. My credit card payments that I had paid were returned. But never shows the money being deposited back. Credit dropped significantly. Said I would be given a temporary credit till it was sorted out. When I tried to pull the funds from the account. They wouldn't let me. Even tho I had a letter and emails saying they were usable. At the end of their investigation my account was negative. My card payments never got paid and the funds weren't returned. Because it was negative they closed my account and sent it to collections. And then they put a security alert on my credit report. Making no other banks willing to let me open an account. Still dont have a bank account because of this and my credit is ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SIMMONS FIRST NATIONAL CORPORATION
State: AR

Complaint narrative:
ON XX/XX/year> I NOTICED THE INACCURACIES ON MY CREDIT REPORTS FOR XXXX XXXX AND XXXX XXXX Under the Fair Credit Reporting Act ( 15 U.S.C. 16811681x ), you have the following rights : Right to Dispute Inaccurate Information ( FCRA 1681i ) You can dispute any inaccurate or incomplete information on your credit report.

The credit reporting agency must investigate within 3045 days and correct or remove any information that can not be verified.

Right to Removal of Inaccurate or Unverifiable Information If the information can not be verified or is proven inaccurate, the agency must delete it from your report ( FCRA 1681i ( a ) ( 5 ) ).

Right to Written Confirmation of Corrections ( FCRA 1681i ( a ) ( 6 ) ) The agency must provide you with a notice of results and a free copy of your updated credit report once the correction or deletion has been completed.

Right to Compensation for Violations ( FCRA 1681n/o ) If a consumer reporting agency or creditor willfully or negligently fails to correct inaccurate information, you may seek actual, statutory, or punitive damages under FCRA 1681n ( willful violation ) or 1681o ( negligent violation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am disputing inaccurate and unverifiable reporting by XXXX XXXX XXXX on my Experian credit report. 

The account ( number ending in XXXX ) is being reported as closed at the credit grantors request but still shows a {$30000.00} balance and {$940.00} past due as of XX/XX/year>. This reporting is inconsistent and misleading a closed account should not reflect an active past-due balance. 

I previously disputed this item with Experian, but it was verified without proper documentation from XXXX XXXX XXXX. I believe Experian and/or XXXX may be verifying through third-party databases like XXXX or CoreLogic rather than directly with the furnisher, which violates the Fair Credit Reporting Act ( FCRA ).

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 2025-11-04 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: IL

Complaint narrative:
I am disputing inaccurate and unverifiable reporting by XXXX XXXX XXXX on my XXXX  credit report. 

The account ( number ending in XXXX ) is being reported as closed at the credit grantors request but still shows a {$30000.00} balance and {$940.00} past due as of XX/XX/year>. This reporting is inconsistent and misleading a closed account should not reflect an active past-due balance. 

I previously disputed this item with XXXX, but it was verified without proper documentation from XXXX XXXX XXXX. I believe XXXX  and/or XXXX may be verifying through third-party databases like XXXX or XXXX rather than directly with the furnisher, which violates the Fair Credit Reporting Act ( FCRA ).

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
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.

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 2025-11-04 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: SC

Complaint narrative:
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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: VA

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to be accurate. These errors are severely impacting me in ways that are profoundly negative.

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 2025-11-04 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:
SUBJECT : FINAL DEMAND : DELETE FRAUDULENT CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX TO : EXPERIAN DISPUTE DEPARTMENT I DEMAND IMMEDIATE AND PERMANENT DELETION OF THE FOLLOWING ACCOUNT under 15 U.S.C. 1681i ( FCRA 611 ), 1681c-2 ( FCRA 605B ), and 1681n ( Civil Liability ) : ACTIVE CFPB COMPLAINT XXXX XXXXXXXX ( Filed XX/XX/year> ) XXXX XXXX REPORT XXXX XXXXXXXX XXXX Filed XX/XX/year> ) OFFICIAL PROOF OF IDENTITY THEFT FRAUDULENT ACCOUNT TO DELETE IMMEDIATELY : Credit XXXX XXXX XXXX XXXX XXXX XXXX NEVER opened, applied for, or used by me ) YOU ARE IN WILLFUL VIOLATION OF FEDERAL LAW : FCRA 605B MUST BLOCK identity theft accounts within XXXX business days of police report. 
FCRA 611 MUST CONDUCT REASONABLE INVESTIGATION not accept unverified data. 
15 U.S.C. 1681n XXXX XXXXXXXX STATUTORY DAMAGES PER VIOLATION XXXX attorney fees. 
NON-NEGOTIABLE DEMANDS ( EFFECTIVE NOW ) : DELETE XXXX XXXX XXXX XXXX XXXXXXXX WITHIN XXXX HOURS BLOCK AS FRAUD PER FCRA 605B SEND UPDATED CREDIT REPORT to my address above {$0.00} LIABILITY FULL REMOVAL CONFIRM DELETION IN WRITING THIS IS YOUR FINAL NOTICE. 
Other fraud accounts already deleted by XXXX CFPB XXXX XXXX actively tracking your response Failure to act XXXX WILLFUL VIOLATION I will pursue maximum damages, punitive awards, and CFPB escalation if XXXX XXXX XXXX XXXX XXXX XXXX not deleted within XXXX business days. 
DECLARATION UNDER PENALTY OF PERJURY ( 28 U.S.C. 1746 ) : EVERY STATEMENT IS TRUE AND CORRECT. 
XXXX XXXX XXXX XX/XX/year> Electronic Signature : XXXX XXXXXXXX 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 2025-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
So its about to be a year since Im going through this cashapp fraud due to the fact someone used my personal info to make an account and I dont know what they was doing but its a violation on the account so accounts I make its always getting closed I reached out to Cashapp multiple times and they dont fix my situation I need this to be fix asap its not fair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NJ

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX # XXXX -- -- Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-11-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
To Whom It May Concern : ACCOUNT # XXXX I am writing to dispute inaccurate information that is being reported on my credit file regarding an alleged vehicle repossession. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I am requesting a reinvestigation of this account and removal or correction of all information that can not be verified as accurate and complete.

This information is factually incorrect and does not meet the FCRA requirements for maximum possible accuracy. I am requesting that your agency : Conduct a full investigation with the furnisher of information. 

Provide me with the results of your investigation. 

Delete or correct the inaccurate repossession entry if it can not be fully verified. 

Please find enclosed copies of any documents supporting my position. 
( If you have no documents, remove this line. ) As required by law, this dispute must be resolved within 30 days. Please send me written confirmation of the investigation results and any changes made to my credit file. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: VA

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine. 

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

XXXX XXXX XXXX :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
Its really disappointing that the inaccurate late payments continue to appear on my credit report even after all the effort Ive made. I refreshed my browser hoping it would be corrected, but nothing happened. Please go through the documents I sent thoroughly and fix this issue right away so I can finally have peace of mind.

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 2025-11-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Branch Messenger, Inc.
State: GA

Complaint narrative:
I am writing to express my urgent concern regarding a fraudulent charge of {$2700.00} that was posted to my account without my authorization. As a precautionary measure, I have locked my debit card for the last month and immediately filed a complaint regarding this matter. They allow this charge to be posted to my account even when I had my debit card locked, they did not inform me of a suspensions charge for XXXX which I have never spent in this card my maximum balance is XXXX at any given time. 

Unfortunately, despite this effort, my account continues to reflect a negative balance of XXXX XXXXXXXX, severely affecting my ability to work XXXX XXXX XXXX XXXX  and support my family, especially my young daughter. I understand that this bank does not offer overdraft protection, which leaves me confused as to why this charge was processed in the first place, given the circumstances. 

I have sent numerous emails over the past month seeking updates but have not received any responses, which adds to my frustration. Furthermore, my emails appear to have been blocked for the last week, leaving me feeling concerned and without the support I desperately need during this troubling time. 

It is critical that this issue be resolved promptly to avoid further complications, including potential account closure. I kindly request your immediate attention and assistance in rectifying this matter, as it has seriously impacted my livelihood and financial situation. 

Thank you very much for your understanding, and I look forward to your prompt response so we can expedite the resolution of this distressing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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 just checked my credit report again and those inaccurate accounts are still there. They were never taken off, and this has been extremely stressful for me. I am pleading that you carefully review the documents Ive attached so I can finally stop worrying about this.

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