vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: VA

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-10-02 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: NY

Complaint narrative:
b'LAST 4 OF SSN\nAddress\nCc: Consumer Financial Protection Bureau\nCc: Attorney Generals Office\nCc: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXTo: EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXXCc: Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXCc:TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXXnRE: SSN # XXXXThis letter is in reference to the account listed on my credit\nreport by XXXX XXXX XXXX XXXX under account #XXXXThis account is being illegally reported on my credit report. I\nformally disputed it directly with XXXX XXXX XXXX XXXX in\nregards to their illegal reporting, and have not received any\nsatisfactory reply.\n\nTherefore, I am now formally disputing directly with you.\nFurthermore, if at any time during your investigation the above\naccount is verified by XXXX XXXX XXXX XXXX I am requesting\nyour method of verification pursuant to the FCRA, including the\nname of the person with whom you spoke, who has firsthand\nknowledge of the account in question.\nI am maintaining a careful record of my communications with\nyou for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue reporting this erroneous item.\n\n\nThank You, XXXX XXXX XXXXP.S. Please be aware that dependent upon your response, I may\nbe detailing any potential issues with your company via an\nonline public press release.'

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 2025-10-02 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: TX

Complaint narrative:
You ignored federal law and failed to block and remove fraudulent information from my consumer report within the four-day timeframe required under FCRA 605B ( 15 U.S.C. 1681c-2 ). You are now in willful non-compliance and actively violating my consumer rights. 

I Demand Immediate Deletion of the Following Fraudulent Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fraudulent and inaccurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fraudulent and inaccurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fraudulent and inaccurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Fraudulent and inaccurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Fraudulent and inaccurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Fraudulent and inaccurate. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fraudulent and inaccurate. 

Your Continued Negligence in Handling Identity Theft Reports Violates : FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block fraudulent data.

15 U.S.C. 1681n Willful non-compliance with the FCRA.

15 U.S.C. 1681o Negligence in reinvestigating disputed information.

15 U.S.C. 1681s-2 Failure of furnishers to report accurate data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
You ignored federal law and failed to block and remove fraudulent information from my consumer report within the four-day timeframe required under FCRA 605B ( 15 U.S.C. 1681c-2 ). You are now in willful non-compliance and actively violating my consumer rights. 

I Demand Immediate Deletion of the Following Fraudulent Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fraudulent and inaccurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fraudulent and inaccurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fraudulent and inaccurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Fraudulent and inaccurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Fraudulent and inaccurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Fraudulent and inaccurate. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fraudulent and inaccurate. 

Your Continued Negligence in Handling Identity Theft Reports Violates : FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block fraudulent data.

15 U.S.C. 1681n Willful non-compliance with the FCRA.

15 U.S.C. 1681o Negligence in reinvestigating disputed information.

15 U.S.C. 1681s-2 Failure of furnishers to report accurate 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 2025-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ZWICKER & ASSOCIATES
State: MD

Complaint narrative:
Before the judgment was entered in XXXX, I made one good faith payment through Zwicker & Associates ACH system. Since then, I have continued making a series of small payments up until now in an effort to resolve this debt.

Despite my repeated written requests to communicate and negotiate only in writing, Zwicker has refused to engage in meaningful written negotiations. While they occasionally respond, their replies consistently pressure me to negotiate by phone, which I have declined for transparency and record-keeping reasons. 

Zwicker obtained a judgment in XXXX and on XX/XX/XXXX and XXXX, with no warning, garnished approximately {$3000.00} from my checking account. This included {$2500.00} XXXX by my mother, which was intended to cover her care and my childrens tuition. These funds were critical for my familys basic needs during a difficult financial hardship. 

I am my mother 's primary caretaker. On XX/XX/XXXX, she transferred {$2000.00} to me via XXXX to help manage her savings and assist with our familys financial situation. I deposited {$1500.00} of the funds into my personal brokerage account the same day and the other {$500.00} in 5 different transactions on the XXXX, XXXX, XXXX and XX/XX/XXXX, with her full knowledge and consent, and used them to purchase investment positions on her behalf. These funds were not a gift, nor were they intended for personal use. They remain her assets, managed informally by me in my capacity as her caretaker. I can provide supporting documentation including XXXX transfer receipts, brokerage deposit records, and transaction history showing the funds were used for investment purposes shortly after clearing. 

I am not disputing the debt but want to resolve it responsibly and fairly through written negotiations that reflect my current financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
PLEASE BLOCK AND REMOVE. 
This account is inaccurate and must be eliminated from my record. I never authorized its creation. Supporting documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX  is still showing up on my credit report I explained that this account doesnt belong to me. I have been exposed in a data breach, Please use consumer law 605B to block delete and permanently remove the negative account

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 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Oliphant United, Inc.
State: MI

Complaint narrative:
I was notified with a credit alert that something negative had been added to my account in the form of a collection. I reached out to find out how to dispute this information. I was given the address information and telephone number to contact the company. I called the number they have listed only to get an automated system that does not allow you to leave a message. I gathered all of my information related to the Identity Theft and copied it to mail to the company at the address listed on XXXX  and XXXX. I mailed it certified mail with a return receipt. The mail was returned as undelivered with not forwarding address. I called the phone number XXXX times over a XXXX week period that resulted in nothing at all. I filed a Dispute with XXXX  and on XXXX XXXX, XXXX I was informed that the information was verified as accurate. This company is listed as PERMANENTLY OUT OF BUSINESS.So I am not sure how it could have been verified. I have sent copies of the information to Equifax on XXXX XXXX so I am not waiting on a response since doing that I have reach out to XXXX XXXX XXXX XXXX additional times with no success. 
The Total amount showing owed is {$550.00} I was notified in XXXX XXXX XXXX about this debt via XXXX  credit alerts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Block, Inc.
State: NY

Complaint narrative:
In XX/XX/year>, I processed a payment of about {$1500.00} through Square for a XXXX XXXX XXXX  service. The customer later filed a chargeback claiming it was unauthorized. I disputed the case and provided Square with evidence such as chat records, the customers name, email, and phone number. I also had video proof of the live performance, but Squares system did not allow me to upload video files. 

Despite my evidence, the chargeback was decided against me. I refused to accept this debt, but Square told me it was already sent to a debt collector and gave me no debt validation, no contact information for the collector, and no documentation of fees. 

Squares dispute process prevented me from submitting critical evidence, left me unable to fairly defend myself, and then escalated the matter to collections without following proper procedures. I am requesting regulatory review and accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXXXXXX XXXX XXXX XXXX XXXX ) Please investigate and provide Proof with statements showing that these payments were late. 
If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-10-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was attempting to sell my personal vehicle when I was contacted by an Individual by the name of XXXX XXXX that had stated he was interested in purchasing my personal vehicle ; This Individual had asked if I was willing to accept Cashiers/Certified Check that was to be sent via Certified Mail. I saw no issue with this and simply mentioned that if this Individual provides time for the check to clear I would gladly facilitate the transfer of my Vehicle to him. XXXX had said it was alright and I received the check via USPS on XXXX. I deposited a {$6500.00} Business Check into my account and was issued a deposit receipt by Wells Fargo indicating " The full amount of your deposit will be available on Wednesday, XX/XX/year> ''. Relying on this printed statement and not receiving any written notice of hold or delay, I believed in good faith that the funds were available. I subsequently disbursed a portion of those funds, only to later be informed the check was returned and my account was overdrawn by {$5200.00}. This resulted in reputational and financial harm despite my prompt reporting to Wells Fargo and to law enforcement authorities ( including the FBI, FTC, IC3 and local police ).

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Account got deleted and re-added to my credit report without any notification. 

I send follow up letters demanding proof of investigation on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX never received anything back.... Transunion wrote back XX/XX/XXXX that they needed XXXX more days and still have not received anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-02 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 filed a dispute with transunion on XXXX XXXX. For XXXX XXXX XXXX  in the amount of {$240.00}. The 30 day investigation period ended XXXX XXXX. 
I called TransUnion on XXXX to follow up, and the representative told me they could not do anything. 

Under the Fair Credit Reporting Act, TransUnion is required to complete reinvestigations within 30 days and provide the results within 5 Business days. I am requesting that TransUnion immediately delete the disputed account that were not verified and provide me written confirmation of the results.

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 2025-10-02 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: OH

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$17000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of 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 2025-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I am formally disputing the collection account your company is reporting under the XXXX XXXX Account ( XXXX ). I do not recognize this account, and I was never notified about it prior to seeing it on my credit report. I have never received any letter, notice, or validation from your agency, no explanation of the alleged debt, no itemized breakdown of the amount, and no proof that you have the legal authority to collect on it. Under Regulation F of the Fair Debt Collection Practices Act ( 12 CFR 1006.34 ( b ) ( 5 ) ), I have the right to receive a complete validation notice that includes the name of the original creditor, a full breakdown of the balance, and evidence of your right to collect this debt. You failed to provide any of these. This also violates 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), which requires you to notify me of my right to dispute the debt before reporting it. Additionally, furnishing unverified information to the credit bureaus without my consent violates 15 U.S.C. 1681e ( b ) and 1681b of the Fair Credit Reporting Act. Reporting unverifiable and unauthorized information is harmful, misleading, and unlawful, and is causing significant harm to my credit and financial standing. I am demanding that you immediately provide me with all of the following : ( 1 ) a complete validation notice, ( 2 ) a copy of any signed agreement bearing my signature, ( 3 ) a detailed breakdown of the alleged balance, and ( 4 ) documentation proving your authority to collect on behalf of XXXX XXXX XXXX XXXX. If you can not provide these, the account MUST BE PERMANENTLY DELETED from all consumer reporting agencies. In addition to this formal dispute, I am filing a complaint with the CFPB against your collection agency for failing to comply with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Please be aware that the FTC website is currently unavailable, preventing the creation of an FTC Identity Theft report at this time. If needed, feel free to attach a screenshot of the FTC sites shutdown for clarification. Reporting unverifiable and unauthorized information is not only illegal but also unfair and harmful to consumers like myself. I expect prompt action and a written response confirming the results of your investigation. Should you fail to comply, I will consider further legal action to protect my rights and ensure full compliance with the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: NY

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : 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