vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: WA

Complaint narrative:
I received text messages today stating U.S. Bank : Thanks for applying for a US bank smartly saving on XX/XX/XXXX. Your application ID is XXXX. Didn't apply? Call XXXX. I called the number because I didn't apply to find out someone opened a savings and checking account in my name but old address.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The information shown is inconsistent with account records.

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 2025-12-09 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: GA

Complaint narrative:
I am disputing the following information on my Equifax credit report. These accounts may be inaccurate or incomplete, and I am requesting a thorough investigation. 

XXXX. Charged-Off 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Hello, Transworld Systems Inc, is reporting false debt on my credit report. I have contacted them and asked them to delete this debt. I have proof from the original creditor that I do not owe them and that Transworld Systems should not report this debt and it should be deleted. Transworld is refusing to delete. I have contacted the company and they have sent multiple letters to Transworld Systems asking them to delete because the debt is inaccurate and they do not own the debt.

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

Complaint narrative:
In XX/XX/year>, a collection account for {$140.00} from XXXX XXXX was reported on my TransUnion credit report by XXXX XXXX XXXX. I paid this full amount on XX/XX/year>, and it was updated as paid. 
However, on XX/XX/year>, XXXX XXXX XXXX added a new second collection account for {$120.00} for the same gym membership. I never signed any contract with XXXX XXXX, I do not owe this new balance, and no services were used. This appears to be a duplicate collection, which is inaccurate and violates the Fair Credit Reporting Act ( FCRA ). 
When I contacted XXXX XXXX XXXX, XXXX representative asked for my Social Security number and card information and then told me I needed to pay {$99.00} now and {$49.00} next month for them to remove the collections permanently from my credit report. They said if I pay these fees, they will delete the account. This feels deceptive, abusive, and illegal because collection agencies are not allowed to charge consumers to delete credit report information. 
I have already paid the original {$140.00}. I do not owe any additional money. I am requesting : Immediate removal of the duplicate {$120.00} collection account, Investigation into the actions of XXXX XXXX XXXX, and Correction of my credit report with TransUnion and XXXXThank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams, Rush & Associates, LLC
State: AR

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 public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: NY

Complaint narrative:
I am submitting this formal complaint against Experian, Equifax, and TransUnion for continuing to report XXXX XXXX  accounts that are not mine. The accounts are : Experian : Account # XXXX Closed with XXXX late payments, Charge Off status Equifax : Account # XXXX {$26000.00} balance, XXXX late payments, no charge-off marked TransUnion : Account # XXXX Marked as Charge Off / Bad Debt, no payment history I have never held these accounts, never authorized any inclusion, and the accounts belong to someone else with the same or similar name. The inconsistent reporting between bureaus and missing payment history constitutes mixed-file / wrong person reporting and creates significant harm to my creditworthiness. 

Under FCRA 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of consumer reports. Under FCRA 1681s-2 ( b ), furnishers must verify and correct any disputed information. Reporting accounts belonging to a different individual without verification is a violation of these statutes. 

XXXX  v. TransUnion ( XXXX ) : TransUnion was required to remove accounts incorrectly reporting under a consumers name after failing to verify the identity ; the consumer prevailed, and mixed-file accounts were deleted. 

XXXX v. Experian ( XXXX ) : Experian was compelled to delete accounts belonging to another individual after repeated disputes ; the court emphasized that unverifiable accounts must be removed immediately.

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 2025-12-09 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: NY

Complaint narrative:
I am submitting this formal complaint against Experian, Equifax, and TransUnion for continuing to report XXXX XXXX  accounts that are not mine. The accounts are : Experian : Account # XXXX Closed with XXXX late payments, Charge Off status Equifax : Account # XXXX {$26000.00} balance, XXXX late payments, no charge-off marked TransUnion : Account # XXXX Marked as Charge Off / Bad Debt, no payment history I have never held these accounts, never authorized any inclusion, and the accounts belong to someone else with the same or similar name. The inconsistent reporting between bureaus and missing payment history constitutes mixed-file / wrong person reporting and creates significant harm to my creditworthiness. 

Under FCRA 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of consumer reports. Under FCRA 1681s-2 ( b ), furnishers must verify and correct any disputed information. Reporting accounts belonging to a different individual without verification is a violation of these statutes. 

XXXX  v. TransUnion ( XXXX ) : TransUnion was required to remove accounts incorrectly reporting under a consumers name after failing to verify the identity ; the consumer prevailed, and mixed-file accounts were deleted. 

XXXX v. Experian ( XXXX ) : Experian was compelled to delete accounts belonging to another individual after repeated disputes ; the court emphasized that unverifiable accounts must be removed immediately.

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

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts listed on my credit report. I have identified discrepancies that need to be addressed to ensure the accuracy of my credit file. Below are the details of the disputed accounts, separated by each bureau. 

Charged Off 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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 am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court. 

I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : Portfolio Recovery A- Date assigned XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE UPDATE AND XXXX THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX Destiny

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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 requesting an investigation into the accuracy of the following information on my Equifax credit report : Previous Addresses : [ No addresses listed for EQ ; include if you have them ] Previous Names : [ No names listed for EQ ; include if applicable ] Charged-Off Accounts : [ No accounts listed for EQ ; include if applicable ] Inquiries : [ No inquiries listed for EQ ; include if applicable ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: FL

Complaint narrative:
XX/XX/XXXX I got an alert from XXXX XXXX, XXXX, & experian that there was a hard inquiry from Discover card on my credit report that I didn't apply for. I contacted the information that experian gave me for Discover 's customer service and they told me that they were going to report it as fraud. I then froze my credit report but XXXX days later there was another attempted hard inquiry for a furniture store using XXXX XXXX retail. Once again I took the info that was reported from TransUnion and contacted the company. They gave me the address of the person who tried to use it.

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

Complaint narrative:
For numerous years catch up has continuously closed out my accounts without giving me an actual answer as to why due to that I have lost thousands of dollars because of the fluctuation of the crypto market as well as multiple payments due to not being able to accept cash app from others trying to send me payments. Every time I have tried to ask about why I am being they simply gave me the same generic message that I have seen online that they give basically every single person who asks which basically says I can not have an account that they have no information as to why and if I need any more help. I have been fighting identities theft since my information was leaked in 2017 and a data breach and since then have been having anyone 's problems opening up a accounts many places including cashapp

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am submitting this complaint regarding U.S. Bank, which I believe has violated Regulation E ( 12 CFR 1005 ) and engaged in prohibited retaliation after I exercised my rights to dispute an unauthorized electronic transaction. 
On XX/XX/year> ( XXXX ), I reported an unauthorized electronic transaction on my U.S. Bank account and submitted a valid Regulation XXXX dispute. U.S. Bank acknowledged my dispute ; however, shortly thereafter, the bank closed my account on XX/XX/year>, the same day I exercised my rights. 
The timing of this account closure immediately following my filing of a Regulation E dispute strongly suggests retaliatory action, which is prohibited. Regulation E requires financial institutions to : Conduct a timely and reasonable investigation of unauthorized transfer claims, Provide provisional credit when applicable, Provide written notice of investigation results, and Refrain from penalizing consumers for asserting their rights.

U.S. Banks conduct appears to violate these requirements. Instead of investigating the unauthorized transaction, the bank closed my account without a legitimate explanation. This has caused financial hardship, disruption to my banking access, and unnecessary stress.

I respectfully request the CFPBs assistance to ensure that : The account closure is investigated as potential retaliation in violation of Regulation E ; U.S. Banks handling of my dispute is reviewed for compliance ; My account is restored or I am otherwise made whole ; The bank provides a corrective explanation and remedy for any violations. 
I am prepared to provide all relevant documentation, including the dispute confirmation and the account closure notice. 
Thank you for your time and attention. I request prompt review of this matter. 
Sincerely,

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 2025-12-09 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: MT

Complaint narrative:
am writing to dispute the following information on my credit reports. Please investigate the items listed below and correct or remove them if they can not be verified in compliance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-12-09 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: SC

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

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 2025-12-09 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: SC

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
I am writing to dispute several inaccuracies found on my credit report, as they pertain to my personal information and accounts. Below are the details of the disputed items, separated by each bureau. 

Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB
State: IL

Complaint narrative:
Klarna inc. is trying to collect {$710.00} of debt from me that is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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 reviewed my updated credit report hoping to see the deletions and corrections of what I previously submitted. I sent a complaint explaining the violations and reasons why it should be removed. Hence these accounts remain despite my prior disputes with the credit bureaus. The bureaus refusal to remove accounts resulting from identity theft is a blatant violation of FCRA 605B and demonstrates willful noncompliance. I demand immediate deletion of these fraudulent accounts, corrective disclosures, and enforcement action to hold the bureau accountable for its unlawful conduct. I demand immediate reinvestigation, deletion of unverifiable accounts, and full compliance with federal law.

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 2025-12-09 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: NC

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off 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 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