vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: AZ

Complaint narrative:
On XX/XX/year>, I went to Western Union at XXXX XXXX XXXX, XXXX XXXX, AZ XXXX to send {$4200.00} to XXXX XXXX for missed car payments and to recover my car from repossession. The money was incorrectly sent to XXXX XXXX ( this is all the information Western Union will provide to me ) by the agent, XXXX, and my car remains in repossession. I was never given any verification forms from the Western Union agent, just a receipt. Given I had provided the clear step-by-step billing information provided by XXXX XXXX to the Western Union agent, I was confident there would be no issue. When I called XXXX XXXX the morning of XX/XX/year> to verify the payment was received, I was informed they had not received the money and my car would remain in repossession until it is received. I immediately contacted Western Union via phone to investigate. I was told by the phone agent that the money was sent and received by XXXX XXXX and I would need to go to the location I sent the money from to verify information with the agent and submit a claim. I immediately went to the same Western Union location listed above and spoke with XXXX, the agent working at the location that day. XXXX verified with Western Union customer service that the money was sent to the incorrect biller, and she verified that I was not provided with the correct forms per Western Union policy. I then submitted a claim for refund with Western Union and continue to be told they are unable to refund due to XXXX XXXX. I am paying daily fees for the tow yard my car is being held and at risk of my car being sent to auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: OH

Complaint narrative:
I keep getting flooded with these loan offers that dont exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 2025-10-13 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
IN XX/XX/XXXX, I REVEIWED MY CREDIT REPORT AND IDENTIFIED SEVERAL FRAUDULENT ACCOUNTS AND INQUIRES THAT I DID NOT AUTHORIZE, APPLY FOR OR OPEN. THESE INCLUDE SYNCB/LOWES ACCOUNT NUMBER XXXX, AND INQUIRE XACTUS ON XX/XX/XXXX, XXXX ON XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX ON XX/XX/XXXX, XXXX ON XX/XX/XXXX AND XXXX ON XX/XX/XXXX. PURSUANT TO 15 U.S.C. 1681c-3 OF THE FAIR CREDIT REPORTING ACT, I AM ASSERTING MY RIGHTS AS VICTIM OF IDENTITY THEFT AND REQUESTING THAT ALL INFORMATION RESULTING FROM THIS FRUADULENT ACTIVITY BE BLOCKED AND REMOVED FROM MY CREDIT REPORT FILE. UNDER THIS STATUE, CREDIT REPORTING AGENCIES ARE REQUIRED TO BLOCK SUCH INFORMATION WITHIN FOUR BUSINESS DAYS OF RECEIVING PROPER IDENTIFICATION AND IDENTITY THEFT REPORT. THESE ITEMS WERE NOT INITIATED, AUTHORIZED, OR CONSENTED TO BY ME IN ANY FORM.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/year> i recieved money from an XXXX XXXX, whom i do not know, through XXXX on my XXXX XXXX account. The person then reached out to me via phone call and left me a message stating that they had accidentally sent it to me and asking if they could get it back. I answered them and told them i would return it to them. I sent XXXX XXXX back to them to make sure it was going to the right person and then i sent the rest of it, {$230.00}, a day later i checked my account and saw that it was suspended and under review for fraud. I called XXXX XXXX and spoke with them and told them what happened and they said they are going to send it to their XXXX XXXX and that i would find out about XXXX hours what will happen. Today XX/XX/XXXX I checked again and it is still suspended and i got a message from XXXX XXXX  on my app that my account is suspended and will not be reinstated. I called XXXX XXXX again to try and resolve this and they told me that there is nothing they can do. I then filed a CFPB complaint on XX/XX/year> and XXXX Bank responded to me today XX/XX/year> and told me that they can not unrestrict my account because it was closed by Wells Fargo or XXXX on behalf of Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: NY

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 would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This companies are violating my consumer rights and right to privacy by reporting collection accounts without proof of any valid agreement or contract. I have never given permission, nor signed any agreement with these companies. 

This conduct violates federal law : - FDCPA ( 15 U.S.C. 1692g ) : Debt collectors must provide validation of debt ( original signed agreement, itemized statement ). No such proof has been provided.

- FCRA ( 15 U.S.C. 1681s-2 ) : Furnishers may only report information that is accurate and verifiable. Reporting unverifiable accounts is a violation.

- FCRA 1681i : When disputed, the credit bureaus must conduct a reasonable investigation within 30 days. If proper documentation can not be produced, the account must be deleted immediately.

- FCRA 1681c ( a ) : Negative accounts can not remain beyond 7 years from the date of first delinquency. Any attempt to re-age the account is illegal. 


Since no contract or proof exists, and because these accounts are unverifiable and unauthorized, I request the immediate deletion of these collection accounts from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Between 1994 and the present, XXXX XXXX created or maintained unauthorized loans and accounts tied to my property at XXXX XXXX XXXX, XXXX XXXX CA, and XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Loans were issued to XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX without my consent or authority to encumber my home. 

I met with a banker and specifically said no mail or cards were to be sent to XXXX XXXX XXXX because of active court proceedings. Despite this, XXXX XXXX mailed a card to that address, violating a restraining order and triggering a federal investigation and possible felony charges. 

These actions also disrupted federal trust-related Whereabouts Unknown ( XXXX ) funds linked to my heritage and allowed unauthorized occupants to remain on my property. During XXXX, the federal ID.me system auto-verified XXXX XXXX XXXX as my address, showing that my identity data had already been misused in connected systems. 

I request a full CFPB review and formal direction to XXXX XXXX to disclose all loan origination records, mailing activity, and internal communications related to my property and identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Klarna AB
State: GA

Complaint narrative:
I am submitting this complaint regarding XXXX ( XXXX XXXX XXXX, UT ), the issuing bank for Klarna. On XX/XX/year>, XXXX automated AI decision model declined multiple Pay Later transactions on my account despite a perfect payment history and a verified {$800.00} purchase limit. 

The adverse-action reason stated recent bankruptcy, but this information was derived from unverified data aggregators ( e.g., XXXX ) rather than any verified court record. I have confirmed through Equifax, Experian, and TransUnion that Georgia bankruptcy records are not directly shared by the courts and therefore can not be authenticated with wet signatures. 

XXXX on this unverified data without human review violates FCRA 607 ( b ) and XXXX XXXX XXXX XXXX XXXX. It also raises concerns under XXXX model-risk-management XXXX ( XXXX XXXX ) requiring human validation of third-party data models.

Company response to consumer: Closed with explanation