vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: CT

Complaint narrative:
In XX/XX/XXXX, I discovered that my credit report includes several inquiries that I never authorized. These inquiries do not belong to me. This fraudulent activity has caused me significant XXXX, and I feel completely overwhelmed by the situation. Fraudulents inquiries : XXXX Inquired on XX/XX/XXXX, XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXXInquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXXInquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/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 2025-06-11 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: CT

Complaint narrative:
In XX/XX/XXXX, I discovered that my credit report includes several inquiries that I never authorized. These inquiries do not belong to me. This fraudulent activity has caused me significant XXXX, and I feel completely overwhelmed by the situation. Fraudulents inquiries : XXXX Inquired on XX/XX/XXXX, XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXXInquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXXInquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: LA

Complaint narrative:
I use this account as my primary bank to pay bills transfer my paycheck, etc., and one night. I just try to use the card and it said unusual activity. I submitted a complaint and I was told I would be contacted via email within 24 hours but thats been since XX/XX/XXXX. It is now on XX/XX/XXXX cant access the fine XXXX withdrawal cant deposit can not do with anything with it. Just continuously being told I will be contacted by email to explain or even try to fix the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX XXXXXXXX XXXX XXXX ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-06-11 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX XXXXXXXX XXXX XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Upon reviewing my credit report, I identified multiple inaccurate and unauthorized entries that must be removed or corrected immediately. These entries are either due to identity theft or reflect false late payment data, which has negatively affected my creditworthiness and violates multiple provisions of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: DE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX DE XXXX ACCOUNTS : XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, 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 explanation
Consumer complaint received 2025-06-11 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: NC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-06-11 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I contacted Citi Bank NA Best Buy regarding a fraudulent account or activity. 

I contacted the bank multiple times, but the inaccurate information remains on 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 non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Source Receivables Management LLC
State: AL

Complaint narrative:
Attempted to dispute charges due to me not giving them permission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: MS

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the XXXX Data Breach and as a result someone opened up several fraudulent accounts in my name. 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 also enclosed copies of the report. According to FCRA 6058B this information must be blocked within 4 days. XXXX  has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

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 2025-06-11 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: NC

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
Cash app had fake numbers when trying to get a hold of customer representative. 

I wasnt able to get my issues solved at all. 

Money was randomly taken from my account without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORT I NOTICED A XXXX XXXX ACCOUNT THAT WAS OPENED IN MY NAME FRADULENTLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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:
UPON ME REVIEWING MY CREDIT REPORT I NOTICED A XXXX XXXX ACCOUNT THAT WAS OPENED IN MY NAME FRADULENTLY.

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 2025-06-11 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:
FRCA violations : accounts not mine XXXX XXXX XXXX XXXX Account status Closed Age of Account XXXX  months XXXX days Late payments XXXX XXXX XXXX XXXX XXXX XXXX Account owner Individual Account Original Creditor XXXX  Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Account status Unpaid FCRA violations : inquires not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of inquiry XX/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 2025-06-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ACCOUNTS : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$3800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: DE

Complaint narrative:
I am submitting this complaint regarding Truist Banks handling of a wire fraud incident involving my company. 
On XX/XX/year>, I XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DE XXXX, initiated a wire transfer from my company to a known freight forwarding partner XXXX XXXX for amount of {$49000.00}. On XX/XX/year>, I discovered that the recipient companys email account had been compromised, and I had sent the funds to a fraudulent account impersonating our vendor. 
Upon discovering the fraud, I immediately contacted Truist Banks wire fraud department, since they were the recipient bank. I acknowledge the representative from Truist that if recipients name and address did not match the account number and account XXXX was fraudulent, on my question in the case when recipients name-address and account number does not match will wire be deposited? Truist Bank representative answers, under those circumstances, their wire department should have stopped or frozen the funds. 
The same day, I filed a fraud claim ( # XXXX ) from my XXXX branch and with my branch manager and I contacted Truist Bank again ( XXXX hrs. after the wire was sent ) to confirm receipt of the alert and request a recall of the funds. 
Since XXXX XXXX I have been calling both banks regularly. However, Truist Bank has failed to provide any formal update or response to my banks recall request. As of today, more than XXXX weeks later Truist has not confirmed whether the funds were frozen, returned, or withdrawn. 
This delay has seriously impacted my ability to recover the funds in a timely manner, my business experiencing a hardship because invoices has to be paid asap. Please review Truist Banks conduct in this matter and assist in compelling a formal response. 
I am available to provide supporting documentation, including : Wire transaction confirmation. 
Claim # XXXX at XXXX XXXX  Police report : XXXX - XXXX Timeline of communications ( XXXX Wire fraud department XXXX ) ( Truist Bank Wire fraud department XXXX ) Evidence of email fraud from the compromised vendor I respectfully ask that this matter be addressed urgently, and that Truist Bank be required to comply with industry-standard fraud protocols and provide an immediate status update regarding the wire transfer. 
Thank you for your time and assistance. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Ph : 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 2025-06-11 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: TN

Complaint narrative:
Experian is currently reporting several collection and charge-off entries on my credit file that I dispute as inaccurate, incomplete, and harmful to my financial reputation. These include : XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX  ), dated XX/XX/XXXX, with a balance of {$6600.00}. 
XXXX XXXXXXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ), reported as a charge-off dated XX/XX/XXXX, with a balance of {$1500.00}. 
XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ), listed as a charge-off from XX/XX/XXXX, yet showing a {$0.00} balance. 
XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ), reported on XX/XX/XXXX with a balance of {$510.00}. 
XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ), reported XX/XX/XXXX for {$2800.00}. 
XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ), dated XX/XX/XXXX, showing a {$0.00} balance yet still marked derogatory. 
XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ), added as recently as XX/XX/XXXX with a balance of {$2200.00}. 
And finally, XXXXXXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ), a collection dated XX/XX/XXXX, reporting {$420.00} owed. 

Many of these entries are contradictory and lack sufficient context or documentation to verify their legitimacy. For instance, both the XXXX and XXXX accounts reflect a {$0.00} balance but remain marked as charge-offs, which is misleading and unjustifiably punitive. If the debt has been resolved, Experian should not continue reporting it as derogatory. Furthermore, these accounts have remained unresolved despite my prior disputes, and no proper validation or documentation has been presented to confirm their accuracy or that I am legally responsible for them. 

It is also unclear whether these accounts have been reported with the proper date of first delinquency, which matters critically for determining whether they are legally reportable under the XXXX limitation period set by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c. Additionally, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is obligated to conduct a thorough reinvestigation of disputed information. Any data found to be incomplete, inaccurate, or unverifiable must be deleted or corrected under 15 U.S.C. 1681i ( a ) ( 5 ).

I am also deeply concerned that the continued presence of these derogatory marks is not only unfair and harmful but potentially the result of flawed data-sharing systems or even systemic error. Inaccurate and outdated derogatory marks can severely damage access to essential credit opportunities, housing, and employment.

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 2025-06-11 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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