vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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 was devastated to find multiple accounts that I never opened, do not recognize, and have absolutely no connection to. These accounts are entirely unfamiliar to me, and their presence has left me overwhelmed with anxiety and fear. It is deeply troubling and strongly indicates that I XXXX have fallen victim to identity theft. The emotional toll this situation has taken is immense, as I grapple with the violation of my personal and financial security. Below are the fraudulent accounts that have appeared on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of 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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: GA

Complaint narrative:
Returned vehicle because there were issue but was reported to collections with wrong dates and amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
XXXX XXXX {$890.00} Action Taken- Requested Reinvestigation of debt Creditor - XXXX XXXX730.00} XXXX Taken- Requested Reinvestigation of debt CreditoXXXX XXXX {$2000.00} Action Taken - Requested Reinvestigation of debit Creditor- XXXX  {$5900.00} Action Taken- Requested Reinvestigation of debt Pursuant to my rights under the Fair Credit Reporting ACT, 15 U.S.C. 1681 et seq, I requested a reasonable investigation into the matter, however it was met with no response. Under the FCRA credit reporting agencies are required to investigate disputes and either correct or delete inaccurate, incomplete or unverifiable information within in 30 days, however that did not happen. 

Thank you for your prompt attention to this matter 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 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: WI

Complaint narrative:
XX/XX/XXXX.. 
I received a text from XXXX XXXX department about funds transferred to XXXX XXXX of {$640.00}. Did you authorize this transaction? Type Y or N. I typed " XXXX ''. Then another text said that the fraud team would call me. I got a phone call from a ( XXXX ) area code which is XXXX XXXX where XXXX is headquartered. The representative informed me that I needed to transfer all my money from my checking account to a temporary card so that I would have access to my money while they issue me a new card in the mail. I transferred all my money in my checking to XXXX cash then I transferred the money from XXXX cash to the new card. The new card was with " Current '' bank. Once I saw that it was not a XXXX bank card, I asked what the deal was and got disconnected for the person. I then called XXXX fraud back and they said they did not try to contact me. I then changed all my passwords and access numbers and so forth. I changed them all for XXXX days afterwords. I was refunded the whole amount from XXXX while the fraud department checked into the transactions. Yesterday they took all the money back and said the transactions were for goods and services rendered. I am missing a good sum of money from my checking as a result. The fraudulent portion of this is people stole money from me " the service ''. Current Bank can only be contacted through their online chat, and I was only told that they would inform the fraud department. XXXX XXXX said they could not reverse the transaction because I had already sent it to the new bank account. 

XX/XX/XXXX XXXX took back the money out of my checking account and I called them to re-review or escalate the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-07 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: WA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXncorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries 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 explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XXXX, XXXX 2019 I was arrested and was XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  my sister came down from Florida to take care of my kids in my apartment and paid my rent. While my sister was staying in my apartment taking care of my kids and paying my rent I would talk to her on the phone daily. XXXX of those days she told me the ceiling was leaking and that she went to the front office and put a work order in. The office never fixed the issue and the ceiling caved in. Since I was in XXXX  the apartment evicted me and placed the debt of the ceiling on me. The ceiling would have never caved in if they would have fixed the issue. The debt from the ceiling caving in should not be my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
My account has been frozen since XXXX. I have provided all information verbally but they have no released my account. 

Initially they said they froze my account because I transferred a large sum flagging their fraud system. Then XXXX weeks later they said my checks were stolen which I verified with them they were not. I asked for written explanation of my frozen accounts and steps I can take to unfreeze them and have still not received a response. 

My checks where fine they have cleared and been verified so there is no reason to continue with my account being frozen this amount of time

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 2025-08-08 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/year>, a hard inquiry from XXXX XXXX XXXX XXXX appeared on my TransUnion credit report. On XX/XX/year>, a hard inquiry from XXXX XXXX also appeared. I did not authorize either of these inquiries, and I have reason to believe that I XXXX be a victim of identity theft. 

These inquiries were made without my consent or knowledge. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure the accuracy of the information they report and to remove unverifiable or unauthorized data. I have already contacted TransUnion and provided the necessary documentation to verify my identity and support my dispute. 

I am requesting that these unauthorized inquiries be removed from my TransUnion credit report and that the matter be investigated promptly. I also request written confirmation once the inquiries have been deleted. 

The documentation I provided includes : Copy of my drivers license Copy of my Social Security card Copy of a recent utility bill Copy of my FTC Identity Theft Report Copy of my CFPB report

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 2025-08-07 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:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and I wasnt notified when they were added. In line with USC 1681g, Im requesting that they be removed within the next 15 days. Ive included documents that explain my situation.

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 2025-08-07 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: NC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-07 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: NC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
Dear CFPB, I am submitting this complaint due to multiple severe inaccuracies and violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other federal protections. The information below outlines unauthorized hard inquiries, wrong address reporting, and multiple late payments and duplications from XXXX XXXX XXXX, as well as repeated identity confusion which has caused ongoing financial harm and credit damage. 
XXXX XXXX XXXX XXXX XXXX XXXXraudulent inquiry. No permission was provided for this pull. This has caused negative scoring impact and violates FCRA Section 604. 
XXXX XXXX XX/XX/XXXX INQUIRY Redundant and unauthorized pull, never applied for credit here. I consider this a privacy violation and harmful to my credit score. Immediate deletion requested. 
XXXX XX/XX/XXXX INQUIRY Completely unknown inquiry, done without my approval. In violation of my consumer rights and must be removed. 
XXXX XXXX XXXX XXXXNQUIRY This inquiry is fraudulent and unauthorized. I never engaged with XXXX XXXX Bank in any capacity. Delete immediately under FCRA. 
XXXX XX/XX/XXXX INQUIRY I did not apply for any product with OneMain on this date. This inquiry was done without my authorization. It is unauthorized and must be removed. 
XXXX XXXXXX/XX/XXXX INQUIRY Fraudulent pull, no application was made. This inquiry is damaging my score unjustly and without legal right. Remove under law. 
XXXX XXXXXX/XX/XXXX INQUIRY Old inquiry that was not authorized or initiated by me. This should have never been placed on my file. It must be deleted. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX not authorized by me. This is a clear violation of my rights under the FCRA. I did not apply for credit on this date. 
Requested Resolution : 1. Immediate removal of the incorrect address from my credit file 2. Deletion or correction of all DEPT OF EDUCATION/NELN entries to reflect accurate balances, eliminate duplicate accounts, and remove invalid late payments reported during deferment 3. Deletion of all unauthorized and illegitimate hard inquiries made without consent or permissible purpose 4. Reinvestigation of my credit file under FCRA guidelines with full documentation of results I am attaching my ID, proof of current address, and any supporting documentation that confirms my claims. I respectfully request the CFPBs urgent involvement in this matter, as the damage done to my credit is ongoing and serious.

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 2025-08-07 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: WI

Complaint narrative:
I seen my latest credit report and was astonished at how many inaccurate statements and fraudulent accounts that were reporting. Its harming and distrustful

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: WI

Complaint narrative:
I seen my latest credit report and was astonished at how many inaccurate statements and fraudulent accounts that were reporting. Its harming and distrustful

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 2025-08-07 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: CA

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccuracies that fall short of the highest possible accuracy standards. These errors are causing significant and ongoing harm to me, both personally and financially. The impact is substantial, and I can not overstate the urgency of correcting this matter.

Company response to consumer: Closed with non-monetary relief