vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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:
This letter is a formal dispute of a collection account listed on my credit report. I did not authorize or initiate this debt, and it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
I am filing a complaint regarding a fraudulent XXXX XXXX account and unauthorized credit inquiries appearing on my credit report under my name ( XXXX XXXX XXXX XXXX I did not open the XXXX account reporting a {$12000.00} balance with XXXX consecutive missed payments and now marked as a collection account. This is identity theft or a reporting error. 

In addition, there are XXXX unauthorized hard inquiries from : XXXX XXXX XXXX XXXX XX/XX/year> XXXX Bank XXXX XXXX XXXX XX/XX/year> ) XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> ) I never applied for credit with any of these entities and did not consent to any of these inquiries. I have contacted the credit bureaus to request an investigation and removal, but I am submitting this complaint to ensure proper handling and removal of these fraudulent entries. 

I am requesting the CFPB to assist in having these items permanently removed from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
I am filing a complaint regarding a fraudulent XXXX XXXX account and unauthorized credit inquiries appearing on my credit report under my name ( XXXX XXXX XXXX XXXX I did not open the XXXX account reporting a {$12000.00} balance with XXXX consecutive missed payments and now marked as a collection account. This is identity theft or a reporting error. 

In addition, there are XXXX unauthorized hard inquiries from : XXXX XXXX XXXX XXXX XX/XX/year> XXXX Bank XXXX XXXX XXXX XX/XX/year> ) XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> ) I never applied for credit with any of these entities and did not consent to any of these inquiries. I have contacted the credit bureaus to request an investigation and removal, but I am submitting this complaint to ensure proper handling and removal of these fraudulent entries. 

I am requesting the CFPB to assist in having these items permanently removed from all three credit bureaus.

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 2025-07-16 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: CA

Complaint narrative:
A collection item has appeared on my credit report that does not match my identity or credit history. I have never opened or authorized this account, and it is not related to any financial activity Ive conducted.

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 2025-07-16 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: NC

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

and accuracies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Bitstamp USA, Inc.
State: GA

Complaint narrative:
I have been using Bitstamp.net for many years for cryptocurrency investing and had no problems with them until 4 months ago they stopped letting me withdraw my cash or cryptocurrency. I have {$300000.00} USD at stake with this service. Coincidently my funds were frozen about the same time bitstamp was acquired by XXXX. 

As we know XXXX as been in trouble before, manipulation of markets and freezing customer assets. They have been caught red handed, charged and fined by the US government. 

It was not disclosed to me that XXXX would be acquiring Bitstamp. If I had known I would have withdrawn my funds and closed my account. After 4 months of back and forth, opening tickets just to have them closed eith no resolution I am desperate. At this point I feel this is fraud, I think Bitstamp is insolvent and can not give me my {$300000.00} USD. So I have filed a formal complaint with Bitstamp and now, desperately I am here. Please help.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 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 2025-07-16 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 declare under penalty of perjury I am alleging that a person or company as a result of the Equifax data breach used from unauthorized use used my personal identifying information including my social security card and number to apply for goods services and money and was successful in creating some accounts. I have no knowledge of this and all is being Investigated by the ftc.

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 2025-07-16 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 declare under penalty of perjury I am alleging that a person or company as a result of the Equifax data breach used from unauthorized use used my personal identifying information including my social security card and number to apply for goods services and money and was successful in creating some accounts. I have no knowledge of this and all is being Investigated by the ftc.

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 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX, around XXXX : XXXX somehow my debit card from XXXX was unlinked from my account and another card from XXXX was linked to my account and they stole XXXX. I immediately contacted cash up when it happened within that hour because it popped up on my phone. I also contacted the police and got a police report. I even had cash app try to give me the information of the card holder but they couldn't. Cash app also said they couldn't dispute the transaction. I even tried to request the money back from the card but it was blocked. However, the card was able to take my money within the same hour

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have filed a dispute with Wells Fargo, I have also filed a complaint through you guys and I have been denied twice. The charges that are being refused to return to me are very much not mine or charges I authorized. My previous clsinm number is XXXX through you all and my wells fargo caim that has been denied again is Claim details # XXXX XXXX transactions in claim {$730.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXXXXXX MA XXXX XXXX  XXXX XXXX  ... XXXX {$60.00} XX/XX/XXXX Removed PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX.. XXXX {$47.00} XX/XX/XXXX Removed PURCHASE AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX XXXX  XXXX XXXX XXXX XXXX {$48.00} XX/XX/XXXX Removed PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX DE XXXX CARD XXXX XXXX XXXX XXXX {$25.00} XX/XX/XXXX Removed PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX  {$29.00} XX/XX/XXXX Removed PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX CA XXXX XXXX  XXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXX Removed PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX * XXXX XXXX XXXX  CA XXXX XXXX  XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX Removed PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX CARD XXXX Card ... XXXX {$16.00} XX/XX/XXXX Removed PURCHASE AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX PA XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX {$51.00} XX/XX/XXXX Removed PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX  XXXX XXXX XXXX XXXX {$51.00} XX/XX/XXXX Removed PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX  XXXX XXXX XXXX XXXX {$46.00} XX/XX/XXXX Removed this is clearly not being investigated if so then I would not be denied once more.

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 2025-07-16 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
This Student loan From Navient was discharged on XX/XX/year>. It should no longer be reported as [ defaulted/in collections/etc. ]. Please update or remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: NV

Complaint narrative:
I had XXXX saved in my CHIME account and the money went missing and the only answer Im getting from chime is that its an ADJUSTMENT but they can not explain what the adjustment is. Every time I call who ever takes my call gives me a different answer and its been months now and they still can not resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I tried to open a checking account with Santander Bank XXXX XXXX XXXX XXXX XXXX NJ XXXX. I had a XXXX appointment. I went there on time. I just sat there for XXXX minutes. The XXXX XXXX  that were sitting there were doing nothing. It looked like they were pretending to work. I was listening to them talk. They could barely speak properly. I think they were afraid to talk to me because they do not know anything about banking. They do not know what a bank is used for. If I need a loan. These people do not know what an APR is. Adjustable Rate Mortgage. ( ARM ). Reverse Mortgages etc.

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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Capital Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XX/XX/year> To : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX Subject : Debt Validation Request I am formally requesting validation of the alleged debt you are attempting to collect, as provided under the Fair Debt Collection Practices Act ( FDCPA ) 809.

Please provide the following information : 1. Proof that I am legally obligated to pay this debt, including a copy of the original signed contract or agreement.

2. A complete payment and account history showing how the amount you claim is owed was calculated.

3. Documentation proving that you have the legal authority to collect this debt in my state.

4. Confirmation that this debt has not been paid, settled, or discharged. 

Until you provide full validation, you must cease all collection activity and stop reporting this account to any credit bureaus. If you continue to report or attempt to collect without proper validation, it will be considered a violation of the FDCPA and Fair Credit Reporting Act ( FCRA ). They are reporting now under a different name called Structured Settlement. This is against the law to be reporting a charged off account. They are re-aging the debt and even if I wanted to settle this I can not get in contact with them. I need them to validate this and delete this delinquent account and reporting. 

Please provide your response within 30 days of receiving this letter. 

Sincerely, 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 2025-07-16 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:
This letter is to dispute an unauthorized hard inquiry on my credit report. I have not had any dealings with the listed entity, nor did I give consent for them to access my credit profile.

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 2025-07-16 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: CITIBANK, N.A.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally request a review and correction to my credit reporting related to recent missed payments on my Citi account. This issue was the result of a technical error when connecting my bank account, which prevented my payments from being processed properlyeven though I had sufficient funds and full intent to pay on time. 

At the time, my credit score was above XXXX. Due to this error, multiple payments were marked as missed, and my score has now dropped by over XXXX points, falling below XXXX. This has caused a major disruption to my financial plans, especially as I am currently in the process of purchasing a home where creditworthiness is critical. 

To address the issue, I promptly resolved the payment method error and have since ensured payments are processing correctly. I also contacted Citi support and followed every step required, including submitting : A signed letter outlining the issue Detailed information about the dispute My full name, date of birth, address, telephone number, and XXXX A recent credit bureau report dated within the last 30 days Supporting documentation from XXXX Bank verifying that the issue was technical in nature Video evidence clearly demonstrating that the error was not my fault Despite providing all of this, I was told only that more information is needed, without any explanation of what that includes. Even more frustrating, Citibank has outright refused to accept the video evidence, which directly proves the technical error and supports my position. 

To make matters worse, your phone support has been ineffective and exhausting. Ive spent hours on the phone, bounced between departments, and have yet to speak with anyone who is empowered to resolve the issue. 

Given my flawless history of on-time payments, the clear technical cause, and the extensive documentation and proof Ive provided XXXX I respectfully request that Citibank update the credit bureaus to remove or amend the reported missed payments. This situation does not reflect a pattern of financial mismanagement or negligence, and it is unfairly damaging my credit profile at a critical moment in my life. 

I sincerely appreciate your time and consideration. I am more than willing to provide any additional documentation needed and hope this matter can be resolved swiftly and fairly. 

Sincerely, 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 2025-07-16 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:
Kindly assist me in launching an investigation into these accounts, as they are inaccurately reflected on my credit report. Under the provisions of USC 1681g, I am formally requesting their removal within a 15-day period. I have attached all necessary documentation for your examination. It is also important to note that the details reported by the credit bureaus are inconsistent and incorrect.

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 2025-07-16 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: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
To whom it may concern, This item was purchased by a third party debt collector. This account must be deleted as the status is not correct, the amount is not correct and account was paid for less than owed by the third party debt collector.

This information is not correct & not accurate. Therefore it must be deleted immediately. 

Here is the account name and number for reference and incorrect amount also. 
How much did the collection company pay for this item? I don't know and neither does my credit report reflect such amounts. This is a clear violation the FCRA as this is not accurate or complete. DELETE THIS IMMEDIATELY! 


Thanks, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX # XXXX XXXX, Az XXXX / XXXX Credit Collection SERV XXXX XXXX XXXX XXXX, Ma XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: MN

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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