vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/scrub>XXXX Contents of Complaint : I am submitting this complaint because TransUnion is reporting an incorrect address on my credit report. Specifically, the address : XXXXXXXX XXXX XXXX XXXXXXXX, KS XXXX is appearing as either my residential address or billing address. This is incorrect and misleading. To clarify : I currently do not reside at this property, nor have I ever used this property as a billing address. My current and correct residential address is different and accurately is XXXX XXXX XXXX, XXXX, KS XXXX. I have contacted XXXX and requested that this address be removed from the " personal information '' section of my credit file, as it mischaracterizes my living situation and may confuse creditors or other data users reviewing my file. They did not respond with a resolution. The incorrect address still appears on my report. I am therefore asking for the CFPB to assist in having this information corrected or removed. I request that TransUnion remove XXXX XXXX XXXX, XXXX, KS XXXX from the personal/address section of my credit report, as it is not, and has never been, my primary address or billing address. It is not my residence nor my billing address. I want it reflected accurately not as personal identifying information. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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:
I am submitting a formal identity theft blocking request under the Fair Credit Reporting Act ( FCRA ) Section 605B. I reviewed my credit file and discovered several hard inquiries that I did not initiate, authorize, or consent to. These inquiries include : 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 I never applied for credit with these companies. My personal information was used without my permission. 

These inquiries were made as a result of identity theft, and I am requesting that you immediately block and remove them from my TransUnion credit report as required by FCRA 605B. Must be handled by the Fraud Department. 
I am attaching : A copy of my ID Proof of current address A pending police report confirming the identity theft A copy of my SSN Additionally, I am notifying you of my rights under FCRA 623 ( a ) ( 5 ), which prohibits a furnisher from re-reporting information that has been blocked due to identity theft unless they have certified the accuracy and completed a reinvestigation. Any future reappearance of these inquiries without a full legal basis will be considered a willful violation of federal law. 

Please respond with written confirmation that these inquiries have been removed permanently and that my case has been referred to your fraud department as required.

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 2025-10-08 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: CO

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
My HSBC checking account got closed without receiving any intimation from the bank. I am expected to get the salary on XXXX XXXX and my employer already processed the salary. Now i am in the middle of nowhere and HSBC agent also can not help me in this case. I am not at all happy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding BRIDGECREST XXXX failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX XXXX XXXX yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. BRIDGECREST has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

BRIDGECREST XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-10-08 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: CA

Complaint narrative:
I discovered unauthorized inquiries on my credit report, and I dont understand why its there.

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 2025-10-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Mobiloans, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, I received pre-approved offer letters for a Line of Credit from MobiLoans , LLC ( Mobiloans ) through U.S. mail. All offers were addressed to and received at my current residence in XXXX, Tennessee. 

On XX/XX/XXXX, I accepted XXXX of these offers and opened an account through mobiloans.com. 

The Mobiloans Line of Credit constitutes a XXXX XXXX plan under Tennessee Code Annotated ( T.C.A. ) 45-12-102. I later discovered that Mobiloans , LLC does not hold a valid Tennessee license to offer or make flex loans, in violation of T.C.A. 45-12-103 ( a ), which provides : No person shall engage in the business of making XXXX XXXX unless the person is licensed A person shall be deemed to be engaged in the business of making XXXX XXXX in this state if the person induces a consumer, while located in this state, to enter into a XXXX XXXX plan in this state through the use of the internet, facsimile, telephone, or other means. 

The Mobiloans Line of Credit Account Terms and Conditions further state that the credit is offered and governed solely by the laws of the XXXX XXXX XXXX XXXX, not the borrowers state of residence. This violates T.C.A. XXXX, which requires that XXXX XXXX agreements with Tennessee consumers be governed by Tennessee law. By expressly disclaiming Tennessee jurisdiction, the contract is void and unenforceable under state statute. 

Since XX/XX/XXXX, XXXX has continued to collect payments from me and report the account to consumer reporting agencies ( including XXXX and XXXX XXXX ) as if it were valid. The company requires bi-weekly payments of {$170.00} and has collected {$1400.00} to date. 

In Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the CFPB found that XXXX XXXX  and its affiliates -including Mobiloans- operated a lending scheme designed to evade state usury and licensing laws. That case concluded with a federal consent order and more than {$380.00} XXXX in consumer restitution. 

Although Mobiloans now claims to operate independently under tribal ownership, its continued use of the same unlicensed lending model -offering and collecting loans from Tennessee consumers without the required state license- demonstrates that it continues to violate Tennessee licensing law and federal consumer-protection standards.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-08 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:
I am writing to formally dispute and request an investigation into the security and accuracy of my credit file following the recent TransUnion data breach. I am concerned that my personal information, including my name, Social Security number, and financial data, may have been compromised as a result of this incident. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information in my credit report that I believe to be inaccurate, incomplete, or the result of identity theft. I request that TransUnion : XXXX. Investigate and confirm whether my personal data was included in the breach. 
XXXX. Place a fraud alert or security freeze on my credit file to protect against unauthorized use of my information. 
XXXX. Provide a free credit report so that I can review all items for accuracy and signs of identity theft. 
XXXX. Remove or correct any inaccurate or fraudulent entries that may have resulted from unauthorized access to my personal data.

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 2025-10-08 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: NC

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction, but the inaccurate reporting remains, which continues to negatively affect my credit standing. 
DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1900.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction, but the inaccurate reporting remains, which continues to negatively affect my credit standing. 
DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1900.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00}

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 2025-10-08 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:
I recently reviewed my credit report and discovered multiple accounts and inquiries that I did not authorize or recognize. I never gave written instructions or permission for these entities to access or report information on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681 and 1681b. 

These accounts were added without my knowledge or consent, and I believe they are connected to identity theft. Ive already submitted an FTC Identity Theft Report ( Report XXXX XXXXXXXX ), which confirms that Im a victim of identity theft. Despite this, the credit reporting agencies have continued to report these fraudulent items, which is unfair, harmful, and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: WI

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
XXXX week ago, I was informed by Capital One that XXXX XXXX was trying to charge XXXX on my account. I had canceled my XXXX XXXXXXXX XXXX subscription but they were trying to resubscribe me anyway. I asked Captial One ( Cap1 ) to cancel my card and my Debit card and send a new ones. In the interim, Captial One locked my old cards and sent me a new ones. On I activated the credit card on XX/XX/year> but soon after, I tried to use the card and my charge was declined and I had a {$1200.00} open balance. I called Cap1 and they said they had security on my card and I asked them to release it as I have a new card and no unauthorized charges. I tried to use the credit card again on have not been able to use my card because my attempts to use it get declined. It has happened several times from XXXX XXXX XXXX. I have a checking account with Captial One and I had a {$600.00}. On XX/XX/year>, I paid my car note using my Cap 1 debit card ( for {$580.00} ). I received an email today that the transaction was declined even though the {$580.00} showed on my account as paid. When I called Cap 1 they could not give me a reason why this occurred. Please find out what is happening with this financial institution. When I called to inquire today, the rep could not give me a reason why they'd send a " transaction declined '' notice when the transaction cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: TN

Complaint narrative:
The credit reporting agencies are willfully reporting inaccurate, unauthorized, and fraudulent information on my credit file. I have already provided my correct identifying information, and anything outside of that is false. They continue to report accounts, inquiries, and addresses that do not belong to me without my consent, without any signed contract, and without a permissible purpose under federal law. 

This is a direct violation of my consumer privacy rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ). These actions have caused unnecessary harm, defamation of character, and emotional distress. I demand a full investigation, deletion of all unauthorized data, and strict enforcement to ensure compliance with federal consumer protection laws.

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 2025-10-08 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: FL

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 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: IL

Complaint narrative:
I want my account back opened. Was wrongfully closed stating that I did not abide by this terms of service, but I broke no rules. My account was closed and now I want my account to be reopened. I have never violate any rules. They closed it last year and I need my account back open. This account is very important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: MI

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-08 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:
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