vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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: CO

Complaint narrative:
Why are student loans listed on credit report when the payment is not due. At least my reports are listed. Several fo not have student loans listed on credit reports. Because the loans are listed, the system calculates as if the loans are in current status ( which can affect credit reporting overall. 

What if a student is under the student loan forgiveness program.? Is that noted on the report? Ism in the forgiveness program and I I conveyed this to agents several times ; I believe agents look into information for accuracy and completeness? Is this included? 



Thank you

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 2025-09-12 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: FL

Complaint narrative:
Im reaching out because Ive discovered an account on my credit report that I did not authorize or open, and I need this issue addressed immediately.

This account is the result of unauthorized and fraudulent use of my identity. I want to be absolutely clear : I did not apply for, open, or consent to this account in any form. It does not belong to me, and it should never have appeared on my credit report in the first place.

This situation is not only frustratingits alarming. I take my personal information and financial history very seriously, and the presence of this fraudulent account is damaging my credit and misrepresenting my financial behavior. Im requesting that you conduct a thorough investigation and permanently delete this fraudulent account from my credit report without delay.

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 2025-09-12 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: AZ

Complaint narrative:
Identity theft occurred on XX/XX/year> at XXXX XXXX XXXX, also known as XXXX XXXX, whereby they performed a credit check based on a fraudulent application. Despite providing Equifax with multiple reports from two law enforcement agencies, an FTC report, and two IC3 reports, Equifax refuses to remove fraudulent information from my report with multiple disputes and claiming them as accurate. Originating company refuses any communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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:
Please address the inaccurate late payment noted on my account. My history reflects timely payments without fail, and this error is causing undue stress and impacting my daily life. I urge you to correct this mistake promptly to restore the integrity of my account 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 non-monetary relief
Consumer complaint received 2025-09-12 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: TX

Complaint narrative:
It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights. I've attached all the necessary documents to this complaint.

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 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
On Wednesday, XX/XX/year>, my phone was stolen on a trip to XXXX, XXXX. The thief gained unauthorized access to my mobile accounts and withdrew {$2000.00} from my Frost Bank account without my permission. I was not in possession of my device at the time of the transaction. 

I reported the theft and the unauthorized transaction to Frost Bank on Thursday, XX/XX/XXXX. I also filed a police report, Frost Bank denied my fraud claim, stating the transaction appeared to be authorized by me. 

This conclusion is incorrect. I did not make or authorize the transaction, and I had no access to my phone or banking apps at the time. I believe the bank failed to adequately investigate the circumstances and violated my rights under the Electronic Fund Transfer Act ( Regulation E ), which protects consumers from unauthorized electronic transactions reported in a timely manner. 

I am requesting that Frost Bank conduct a full reconsideration of my case and issue a full refund of the {$2000.00} withdrawn without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

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 2025-09-12 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: CA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: GA

Complaint narrative:
I disputed a XXXX XXXX XXXX account and issued a cease-and-desist by certified mail. XXXX XXXX failed to properly investigate and sold the account while under dispute. LVNV Funding, through Resurgent Capital Services, then began reporting it as a collection with the same balance. Both XXXX XXXX and LVNV/Resurgent continue furnishing inaccurate and disputed information. This violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Their actions have caused me credit denials, financial harm, and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Activehours
State: MI

Complaint narrative:
XX/XX/2025 requested reversal over an UNAUTHORIZED charge that doesn't even show in the app of {$100.00}. Customer service did not attempt to correct the issue and intentionally wasted XXXX hours of my time. I attempted to peacefully resolved this overwhelming stressful situation that was 100 % fixable. Additionally my Bank even confirmed that that company requested a hold although I was told that the company didn't mean to put the hold but wouldn't reverse it because it's was processed. I've been on medical leave for 2 months now with another 4 months to go. After having XXXX XXXX XXXXXXXX I just want to rest but this has caused a big issue. I didn't want to believe they were being malicious but they were in every sense of the way. No clear support, unprofessional, intentions are against the consumer with no restrain for regulation and following there own terms of service was out the window. Additionally further issues I found was this is always something they do. Instead of a clear answer or resolution it's more fun for them to play mind games and waste my time and effort trying to resolve peacefully.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me. 

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility. 

You are required under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported is completely accurate and verifiably associated with the correct consumer. In this case, that standard is clearly not being met. This is a violation of my rights, and I wont accept inaccurate data remaining on my file for even one day longer than necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: TX

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me.

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility.

You are required under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported is completely accurate and verifiably associated with the correct consumer. In this case, that standard is clearly not being met. This is a violation of my rights, and I wont accept inaccurate data remaining on my file for even one day longer than necessary.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$200.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$540.00} XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Amscot Corporation
State: FL

Complaint narrative:
On XX/XX/year>, at XXXX AM, I entered the AMSCOT store located at XXXX Gulf to XXXX XXXX, XXXX, Florida to buy a money order in the amount of {$1600.00}. I was greeted at the window by an employee named XXXX. I told XXXX I would like to buy a money order in the amount of {$1600.00}. She asked me for ID. I handed over my Pennsylvania drivers license. She asked me whether my information was in their system. I responded that I am not sure because I had only been to AMSCOT on one other occasion, and that was at the location in XXXX, Florida. That visit was also to purchase money orders. I began to pull my money out to pay for the money orders when she asked me whether I had an account with AMSCOT. I informed XXXX that I did not have an account with their company, but that did not stop me from buying money orders from AMSCOT previously. She told me that she will be unable to provide me a money order because I did not have an account. I asked her to provide me a copy of the policy that requires an account with AMSCOT to purchase money orders. In response, XXXX provided me an informational pamphlet from the Department of the Treasury that read, THE FIGHT AGAINST FINANCIAL CRIME - help protect our country and our communities. Under the federal bank, secrecy act, the US government requires this business to ask for your name, address, government issued identification, and other relevant information in order to complete certain transactions. Not only did she fail to present a copy of the companys policy, but she provided a leaflet insinuating that I was attempting to commit a financial crime. I responded by asking XXXX what financial crime she thought that I was trying to commit. She stated that she has to report money order transactions over a certain threshold. I asked her what threshold and she said she could not share, but said, {$1600.00} is a lot. I then asked to speak to XXXX supervisor. XXXX called someone on the phone ( Summer? ) and proceeded to tell her that she could not provide me a money order because I would not provide her certain information. I intervened and said XXXX, you did not ask me for any information. The only thing you asked me for was my identification, which I provided. She then quietly passed me a form that read, XXXX XXXX XXXX to fill out while she continue discussing the situation with her manager. She never explained what a financial services agreement was and why she needed me to complete it. In the end, XXXX refused to give me, a XXXX woman attempting to pay rent, a money order in the amount of {$1600.00} stating it was against company policy and a federal threshold without presenting me any policy or reference to a federal law to back her claim. I was discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had identity theft and I am unable to open any bank accounts get any auto loans any credit cards because of this I have XXXX XXXX XXXX and its affecting our life any job I apply for many things

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 2025-09-12 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: CA

Complaint narrative:
This entry contravenes 15 U.S.C. 1681i ( 7 ) as no valid evidence was provided upon reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-09-12 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: TX

Complaint narrative:
I have no connection to the mentioned creditors and did not initiate this inquiry. I request its prompt removal from my credit report.

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 2025-09-12 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:
I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: PA

Complaint narrative:
To whom It May Concern, I am writing to dispute the accuracy of information in my credit file, as provided under my rights in the Fair Credit Reporting Act ( FRCA ), 15 U.S.C 1681i. The following items are being reported inaccurately and must be investigated and removed if the credit reporting agency can not verify them with proper documentation, Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable re-investigation of these items and provide me with written results within 30 days of receiving this dispute. If you can not verify the accuracy of the disputed information, the law requires that it be deleted from my credit report. Additionally, under 15 U.S.C 1681i ( a ) ( 5 ) ( A ), if the disputed information can not be verified, you must promptly delete it and provide me with written confirmation of the deletion. Please also send me an updated copy of my credit report reflecting the results of your investigation.

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 2025-09-12 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: PA

Complaint narrative:
To whom It May Concern, I am writing to dispute the accuracy of information in my credit file, as provided under my rights in the Fair Credit Reporting Act ( FRCA ), 15 U.S.C 1681i. The following items are being reported inaccurately and must be investigated and removed if the credit reporting agency can not verify them with proper documentation, Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable re-investigation of these items and provide me with written results within 30 days of receiving this dispute. If you can not verify the accuracy of the disputed information, the law requires that it be deleted from my credit report. Additionally, under 15 U.S.C 1681i ( a ) ( 5 ) ( A ), if the disputed information can not be verified, you must promptly delete it and provide me with written confirmation of the deletion. Please also send me an updated copy of my credit report reflecting the results of your investigation.

Company response to consumer: Closed with explanation