vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXXXXXX Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: IN

Complaint narrative:
XXXX owned the original debt but then XXXX XXXX acquired XXXX  and discontinued the XXXX  credit card. XXXX is reporting my debt as charge off and then the payment i made to XXXX  they have includedXXXX XXXX XXXX is also reporting as a charge off credit card like its 2 different accounts. Neither of these accounts state they were transfered bought or anything so it looks like I have XXXX credit card charge off of {$4700.00} with last payment of XX/XX/XXXX and now XXXX  credit card updated to show the payment I made to XXXX  which stated ally financial owned the account for XX/XX/XXXX. So when looking at my report you see XXXX credit cards on my account with XXXX  saying closed in collection write off but updated my recent payment and showing a balance and then you have XXXX credit card ( same account ) showing as charge off for {$4700.00}. Accounts opened same date and both show same credit limit and even the same last payment I made on XX/XX/XXXX. So i am getting dinged twice for the same account making it look like its 2 different credit cards when it is the same one!

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 2025-08-22 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: IN

Complaint narrative:
XXXX owned the original debt but then XXXX XXXX acquired XXXX  and discontinued the XXXX  credit card. XXXX is reporting my debt as charge off and then the payment i made to XXXX  they have included. XXXX XXXX is also reporting as a charge off credit card like its XXXX different accounts. Neither of these accounts state they were transfered bought or anything so it looks like I have XXXX credit card charge off of {$4700.00} with last payment of XX/XX/XXXX and now XXXX  credit card updated to show the payment I made to XXXX  which stated XXXX XXXX owned the account for XX/XX/XXXX. So when looking at my report you see XXXX credit cards on my account with XXXX  saying closed in collection write off but updated my recent payment and showing a balance and then you have XXXX credit card ( same account ) showing as charge off for {$4700.00}. Accounts opened same date and both show same credit limit and even the same last payment I made on XX/XX/XXXX. So i am getting dinged twice for the same account making it look like its 2 different credit cards when it is the same one!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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 recently checked my credit report and noticed multiple accounts reporting fraudulently and do not belong to me. They are frustrating and damaging to my profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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 recently checked my credit report and noticed multiple accounts reporting fraudulently and do not belong to me. They are frustrating and damaging to my 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 2025-08-22 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: FL

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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-08-22 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:
XXXX XXXX date of birth : XX/XX/XXXX This CFPB complaint has been filed to request President to FCRA 605B ( 15 USC 1681c-2 ) that you TransUnion credit reporting agency, immediately remove and block information that is the result of Identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of : 1. a collection account listed opened on XX/XX/XXXX listed as XXXX XXXX XXXX  and a charged off auto loan account opened on XXXXXX/XX/XXXX listed as XXXXXXXX XXXX XXXX 

The aforementioned accounts appearing on my consumer credit report were not opened, maintained, or authorized by me. All are the direct results of Identity theft and fraud. I have attached spring documents that include a official FTC Identity theft police report and affidavit.

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 2025-08-22 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 Report Number : XXXX 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-22 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 Report Number : XXXX 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have a PayPal account with savings account and I can't close it to reopen it because someone is using my social security number and got a real id without my knowledge. So my id doesn't work with my social. I also believe someone may be claiming to be my provider falsely. Also my XXXX XXXX  account was stolen with my card, and I'm not able to open a new one. My XXXX account was also overdrawn XXXX not by me someone elses purchase for car registration and I closed that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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 formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
To whom it many concern, A CLUE report is showing up on my XXXX  which is impacting my insurance rates. There was never a claim submitted only an incident. It is against the law to report a loss liability claim when that never happened. The insurance company never paid a claim. Lexis Nexis risk solutions consumer disclosure states I submitted a claim that paid out for damages. 

Please see below. 











XXXX XXXX General Insurance Company XXXX XXXX Your Claim Number : XXXX XXXX IMPORTANT Claim Information Hello XXXX XXXX, This is to acknowledge that, XXXX XXXX, made a claim for report purposes only on XX/XX/XXXX for her XXXX XXXX XXXX  with VIN number XXXX XXXX There have been no payments issued out on this file as of today XX/XX/XXXX. 

Sincerely, XXXXXXXX XXXX XXXX  Please note : When replying to this email, please do not change the subject line. This specific subject is needed to make sure your message is received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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:
I am submitting this complaint because Equifax is reporting inaccurate personal information regarding my current address. My correct and only residence is XXXX XXXX XXXX XXXX, XXXX, NC XXXX. Equifax has additionally listed a previous address at XXXX XXXX XXXX, XXXX, NC XXXX, which is inaccurate as I have not resided there. This false information creates a misleading and erroneous representation of my personal history, which can and has negatively affected my credit profile, lender assessments, and overall reputation. 

Under 15 U.S.C. 1681e ( b ), Equifax is legally obligated to follow reasonable procedures to assure the maximum possible accuracy of the information it reports. By publishing an address that I have never occupied, Equifax is failing this statutory duty. Further, under 15 U.S.C. 1681i ( a ), once I dispute an inaccurate item, Equifax is required to conduct a reasonable reinvestigation to verify the accuracy of the reported information. The continued reporting of this incorrect address indicates that Equifax has either ignored or inadequately verified my dispute, which is a direct violation of federal law. Simply relying on third-party data or failing to thoroughly investigate does not meet the legal requirements of a reinvestigation. 

The presence of this inaccurate address has caused both practical and emotional hardship. Financial institutions rely heavily on accurate address information for identity verification, credit applications, and risk assessment. The false record has already caused confusion in my credit report, resulting in additional scrutiny, unnecessary documentation requests, and delays in credit approvals. Emotionally, the stress of having incorrect personal data tied to my name is immense. I am forced to repeatedly dispute and correct information that should be accurate from the outset, which undermines my confidence in the credit reporting system and places an unfair burden on me as a consumer. The repeated failure to maintain accurate personal information demonstrates negligence and disregard for the protections afforded to me under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
In XX/XX/year>, my phone was stolen. The thief gained access to my Wells Fargo online banking and used my account to send XXXX unauthorized wire transfers totaling {$4000.00} to herself. Then, in XX/XX/year>, the same individual again accessed my account and sent an additional unauthorized wire transfer of {$720.00}. 

In total, I lost {$4700.00} due to these fraudulent wires. 

I immediately reported this to Wells Fargo, filed a police report, and submitted an IC3 complaint with the FBI. Despite this, Wells Fargo has refused to reimburse me and has instead told me that the transfers are authorized simply because they were sent from my phone, which had previously been registered as an authorized device. 

This reasoning is legally and factually incorrect. The fact that my stolen phone was once linked to my account does not mean I authorized the scammers transactions. Under UCC Article 4A, an authorized transfer requires the customers actual consent. I never consented to these transactions. 

Wells Fargo has failed to provide me with a full written explanation of its fraud investigation, nor has it demonstrated what commercially reasonable security procedure it claims justified denying my claim. Instead, I have been treated dismissively and told the bank can not do anything about it. 

I am requesting that Wells Fargo : XXXX. Reimburse the {$4700.00} stolen from my account, XXXX. Provide me with a full written explanation of its fraud investigation and denial, and XXXX. Confirm the security procedures it relied upon when it concluded these transactions were authorized. 

Wells Fargos refusal to correct these clear cases of unauthorized fraud leaves me without protection and directly violates its obligations under federal and state banking 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 explanation
Consumer complaint received 2025-08-22 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX XXXX XXXX XXXX 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TransferWise Ltd

Complaint narrative:
I have made a transfer from XXXX XXXX to my USD Wise Account and the transfer is missing. I have already got a final answer from the bank. Please, see details below : Transaction details : Originator : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX ) Date of initiation : XXXX XX/XX/year> XXXX settlement date : XXXX XX/XX/year> Amount : XXXX  XXXX Beneficiary bank : XXXX ( XXXX ) XXXX : XXXX XXXX bank, XXXX XXXX, has confirmed that this transfer was successfully XXXX and transmitted through the XXXX XXXX, with settlement instructions dated XXXX XX/XX/year>. According to XXXX, the transaction has been liquidated ( settled ) in the XXXX  interbank system, meaning the funds left XXXX and entered the international chain. 
XXXX. I mistakenly provided Wise with my XXXX  account details rather than XXXX. 
XXXX. Wise states that transfers to wrong accounts/currencies should be automatically rejected and refunded, yet no refund has occurred. 
XXXX. Wise continues to claim the transfer was never received, contradicting XXXX XXXX evidence provided by XXXX XXXX. 
XXXX. Despite my repeated submissions of the XXXX proof, Wise continues to deny receipt of the funds, while the XXXX clearly shows the payment entered the correspondent system.

Company response to consumer: Closed with explanation