vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: TX

Complaint narrative:
submitted formal identity theft documentation under FCRA 605B to all three credit bureaus Experian, TransUnion, and Equifax regarding fraudulent accounts tied to multiple confirmed data breaches ( including XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX via XXXX, and XXXX XXXX  XXXX XXXX The most directly affected account is XXXX XXXX, which was linked to a XXXX account I closed due to fraud. 

I made payments on the XXXX account only to prevent damage to my credit, not because I accepted responsibility for the fraudulent charges. I sent each bureau a full file, including my government-issued ID, proof of address, and supporting breach documentation. Under FCRA 605B, they were required to block these accounts within 4 business days. It has now been months, and the accounts are still being reported.

Experian continues to send letters treating this like a basic credit dispute, which it is not. I clearly identified it as a legal fraud claim under 605B. Their response misclassified my submission and failed to take appropriate action.

TransUnion initially listed the PayPal account as unauthorized but left it on my report, which is also a violation.

Equifax has not responded at all despite receiving the same complete documentation. I have heard absolutely nothing from them.

I am not disputing a charge. I am invoking my right to have fraudulent accounts permanently removed under federal law. I am asking the CFPB to hold each bureau accountable for failure to act, failure to classify the request properly, and ongoing credit harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: OH

Complaint narrative:
I have not provided my information for inquiries with Experian, transunion or Equifax

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 2025-07-07 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: NC

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I filed a claim on money that was stolen out my checking account back around XXXX. The claim was denied. On XX/XX/year>, someone tried wrote a fake check and tried to cash it being I check the checking account daily I caught it and stopped it from going through. However, I went and filed a police report on the money that was stolen XXXX and the fake check that was written, I also had to change checking accounts. 
I have also attached the info that I have regarding the unauthorized transactions. You can see the email I received from XXXX, ( which is the wallet I used to send money to XXXX  XXXX  ) XXXX  wrote I haven't used that wallet in about a month prior to that transaction. I also attached the police report case number, And a copy of the stolen check. Fraud has been committed my money was stolen and someone is still trying to still money. The lady at the back even told me that someone got my security code wrong several times on XXXX and she didn't know why they let them transactions go thru.

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 2025-07-07 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: LA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion reporting agency, block information appearing on my consumer credit report that is the result in identity theft and fraud within XXXX business days of you receiving this complaint.This fraudulent, inaccurate and false information consist of an account named XXXX XXXX XXXX XXXX XX/XX/XXXX, a XXXX XXXX  XXXX XXXX account XXXX XX/XX/XXXX with account number XXXX, a XXXX XXXX account opened XX/XX/XXXX with an account number XXXX, an auto loan account XXXX opened XX/XX/XXXX with account number XXXX, XXXX XXXX XXXX  opened XX/XX/XXXX with account number XXXX, a XXXX XXXX account opened XX/XX/XXXX, a XXXX  account opened XX/XX/XXXX with account number XXXX, a XXXX account opened XX/XX/XXXX with an account number XXXX, a XXXX XXXX XXXX  account XXXX XX/XX/XXXX with account number XXXX, and a XXXX XXXX XXXX  account opened XX/XX/XXXX with account number XXXX. These accounts have resulted in several fraudulent reporting to my consumer FICO credit report. I have attached a list of the fraudulent accounts as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, chargeoffs as reported. The aforementioned accounts and chargeoffs appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts and chargeoffs are a result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, chargeoffs 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 non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I asked the company to validate this debt in the whole entity. I have not received any response from the company. The request was done in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens 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
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
b'1.\tRECEIVED A LETTER COMMUNICATION FROM DEBT COLLECTOR CREDENCE RESOURCE MANAGEMENT ABOUT A FALSE UNPROVEN DEBT NOT OWED.\n2.\tSENT CREDENCE RESOURCE MANAGEMENT A CEASE AND DESIST LETTER DATED XXXX XXXX XXXX VIA CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX, REFUSING TO PAY, REQUESTED THAT CREDENCE CEASE ALL COMUNICATION TO ME AND TO ANY THIRD PARTY ABOUT THIS FALSE DEBT. THIS LETTER WAS SIGNED FOR ON XXXX XXXX XXXX\n3.\tI THE CONSUMER EXPLICILY INFORMED THEM THAT THEY DID NOT HAVE ANY WRITTEN CONSENT OR PERMISSION FROM ME OR ANY PERMISSABLE PURPOSE BY LAW TO ACCESS ANY CONSUMER CREDIT REPORT.\n4.\tI THE CONSUMER INFORMED CREDENCE THAT THE FALSE DEBT IN QUESTION FROM XXXX IS IN CURRENT LITIGATION IN NEW JERSEY DISTRICT COURT CASE NO XXXX AND \n5.\tI THE CONSUMER INFORMED CREDENCE THAT ANY VIOLATION FROM THEM INREGARDS TO THE 15 USC 1692c(c) REFUSAL TO PAY/CEASE AND DESIST LETTER WOULD BE A FDCPA and FCRA VIOLATION AND THAT THEY WOULD BE ADDED ON TO THE PENDING LAWSUIT AS A CO DEFENDANT.\n\nCREDENCE RESOURCE MANAGEMENT VIOLATED THE CEASE AND DESIST WRITTEN REQUEST LETTER BY COMMUNICATING THIS FALSE DEBT TO THE CONSUMER REPORTING AGENCIES, BY ACCESSING MY CONSUMER REPORTS WITHOUT MY CONSENT OR PERMISSABLE PURPOSE ON XXXX XXXX XXXX. CREDENCE RESOURCE MEANAGEMENT DAMAGED MY CREDIT SCORE BY LOWERING IT BY XXXX  POINTS, WHICH IM SURE WAS THEIR INTENTIONS. SO CREDENCE RESOURCE MANAGEMENT WIL BE ADDED TO FEDERAL LAWSUIT PENDING IN NEW JERSEY DISTRICT COURT AS A DEFENDANT ALONG SIDE XXXX AND ANOTHER OF THEIR COLLECTIONS AGENTS.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX  XXXX # XXXX XX/XX/XXXX -- {$2300.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$3700.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$3700.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$5900.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: Central Portfolio Control Inc.
State: GA

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I.am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can not provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have XXXX  days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. Type of Account : Public Record : Case Number : Action Requested : Please provide proof that its reporting correctly from the Courthouse and not a third party and delete if anything is incorrect Collection Account : Account Number : Please investigate if every piece of information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-07 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 am disputing a collection account that has been included in my credit file. I have previously asked for verification and have not received any acceptable evidence that this account is valid or that I owe this debt.

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 2025-07-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc

Complaint narrative:
I am a normal user who uses PayPal to receive payments. I was very happy when I used PayPal, but things changed. My PayPal account was blocked and I was told that I need to wait XXXX  days to withdraw the funds. Without this money, it will be difficult for me to survive. I hope that PayPal can properly handle the issue of my account blocking and release my funds to my account in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: TX

Complaint narrative:
submitted formal identity theft documentation under FCRA 605B to all three credit bureaus Experian, TransUnion, and Equifax regarding fraudulent accounts tied to multiple confirmed data breaches ( including XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX via XXXX, and XXXX XXXX  XXXX XXXX The most directly affected account is XXXX XXXX, which was linked to a XXXX account I closed due to fraud. 

I made payments on the XXXX account only to prevent damage to my credit, not because I accepted responsibility for the fraudulent charges. I sent each bureau a full file, including my government-issued ID, proof of address, and supporting breach documentation. Under FCRA 605B, they were required to block these accounts within 4 business days. It has now been months, and the accounts are still being reported.

Experian continues to send letters treating this like a basic credit dispute, which it is not. I clearly identified it as a legal fraud claim under 605B. Their response misclassified my submission and failed to take appropriate action.

TransUnion initially listed the PayPal account as unauthorized but left it on my report, which is also a violation.

Equifax has not responded at all despite receiving the same complete documentation. I have heard absolutely nothing from them.

I am not disputing a charge. I am invoking my right to have fraudulent accounts permanently removed under federal law. I am asking the CFPB to hold each bureau accountable for failure to act, failure to classify the request properly, and ongoing credit harm.

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 2025-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: MI

Complaint narrative:
I have my house insurance that paid by my self. I sent the proof of my insurance to the company. However, they charge me another insurance for my house without notice. I found this when I filed my tax return. 

I contract the service twice on XX/XX/year> and XX/XX/year>. asking them to return the overcharge insurance. The responded the receipt of my request but not further response anymore. 

Please look at the XXXX last page, the charge is XXXX XXXX XXXX XXXX- {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX  XXXX # XXXX XX/XX/XXXX -- {$2300.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$3700.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$3700.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$5900.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: ID Analytics, Inc.
State: FL

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: PA

Complaint narrative:
In XX/XX/2024, I was charged {$490.00} on my Discover credit card from whop.com for an online course i cancelled and reported same day of purchase. I never received access to the course. The merchant personally refunded me after acknowledging the mistake, but the course platform itself refused to remove the charge, and Discover also refused to reverse it. I initially filed a dispute but lacked evidence. 
I now have confirmation of the refund, emails from the merchant proving the service was never delivered, and evidence that the platform is still wrongly retaining the payment. Despite this, Discover has refused to remove the charge, stating they must follow " website rules '' instead of honoring the protections of the Fair Credit Billing Act.

I am requesting the CFPB ensure Discover investigates this charge properly and that I am not held financially responsible for a service I never received

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: MA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
incorrect and unlawful information being reported to my credit report without my consent, which is causing personal damage because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: IL

Complaint narrative:
incorrect and unlawful information being reported to my credit report without my consent, which is causing personal damage because of 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
Consumer complaint received 2025-07-07 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: TN

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed 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 explanation