vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: IL

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 6XXXXn\nDate: XXXX\n\n\n\n\nI am submitting this statement because I am a victim of identity theft. A bank account was opened at US Bank in my name without my knowledge or authorization. I did not open this account, give permission for anyone to open it, or authorize any transactions associated with it.\n\nAdditionally, funds were withdrawn and/or used from this account without my consent. I had no involvement in creating, accessing, managing, or using this account in any way. These activities were carried out by someone fraudulently using my personal information.\n\nI am requesting the following actions:\n\tXXXX\tImmediate closure of the fraudulent account opened in my name.\n\tXXXX.\tReversal and reimbursement of all unauthorized withdrawals and transactions.\n\tXXXX.\tRemoval of any negative account history or credit reporting associated with this fraudulent account.\n\tXXXX\tA full fraud investigation in accordance with the Fair Credit Reporting Act (FCRA) and Regulation E.\n\nI declare under penalty of perjury that the statements above are true and accurate to the best of my knowledge.'

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because the Office of the Attorney General is reporting child support information to multiple credit bureaus, and none of the information is consistent or verified. The same account number ( XXXX ) shows two completely different balances {$20000.00} on Equifax and {$18000.00} on Experian.

First of all, how did you even obtain this information? I have never received any documentation from the Attorney Generals office, Equifax, or Experian verifying where this data came from, how it was validated, or who furnished it. There has been no due process, no documentation, and no verification.

Reporting two different balances for the same account number is factually inaccurate and a direct violation of FCRA 623 ( a ) ( 1 ) ( A ) and XXXX 2 4.2.2, which require all data to be accurate, complete, and consistent across bureaus. 
This is a factual dispute and a compliance failure. Both bureaus are publishing and distributing false data that was never validated. No proof of balance, ownership, or court documentation has ever been provided, and I have already submitted written requests under FCRA 611 ( a ) and FDCPA 809 ( b ) ignored every time.

On top of that, I question how the Attorney Generals office is legally transmitting this data to private credit reporting agencies in the first place. Child support is restricted and must come directly from official court records, not third-party furnishers. None of that has been validated here.

This type of negligent and conflicting reporting is damaging my credit and violating my rights. Its not just inaccurate its illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: MT

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account 1 am asking you to verify as accurate : account name : XXXX financial : Account XXXXXXXX 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 2025-11-11 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: MT

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account 1 am asking you to verify as accurate : account name : XXXX financial : Account XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: GA

Complaint narrative:
I am submitting to formally dispute the accuracy of the following account, collection, and inquiry currently being reported on my credit file. These items contain reporting errors that violate my rights under the Fair Credit Reporting Act ( FCRA ) and must be removed from my report. 
XXXX XXXX * * Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX * * * * * * * * * * * * * * * * * * * * * * * * Balance : {$9600.00} XXXX XXXX XXXX XXXX : XXXX XXXX CT GA XXXX Reference # : XXXX XXXX XXXXXX/XX/year>

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 2025-11-11 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: PA

Complaint narrative:
I am writing this letter to you because I feel extremely upset and I need to block, delete, or dispute all incorrect information in my credit report obtained from Transunion. In order to exercise my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which states that it is your duty to provide me with all actions you took to verify the data in my credit report. If you can not verify the items I am requesting to block, delete, or dispute, it is your obligation to remove them from my credit report immediately. 
Furthermore, under the XXXX XXXX ( XXXX XXXX XXXX ), I have an essential right to privacy regarding my financial information. Additionally, 15 USC 1681 ( 4 ) under the FCRA states the importance of maintaining my privacy as a consumer in credit reports. 
Without legal function, as shown in 15 USC 1681b ( 2 ), it has been established that Experian shouldn't have a credit report on my behalf. Transunion has neither my permission nor a valid purpose to disclose my credit report containing my personal information. The absence of such a purpose makes the presence of this information a violation of my privacy rights, which is very frustrating for me. 
I can also add, 18 USC 1028a which talks about identity theft and its associated penalties, emphasizing that identity theft is a serious crime. Furthermore, by using my personal information without my authorization, it is a criminal act against my privacy and they are violating my rights as a consumer. 
According to the law 15 USC 1681c-2, credit reporting agencies are required to block information that results from identity theft. The transactions in question were not conducted by me. If my information has been compromised due to identity theft, I expect Transunion to take all necessary action to correct and block this information as ordered by law. 
Moreover, this means I request a formal investigation into my dispute and the removal of any incorrect information from Transunion records if it is determined that no permissible purpose exists for maintaining this information. I expect Transunion to comply with the FCRA, 18 USC 1028a, and 15 USC 1681c-2 to fix any issues related to identity theft. 
I hope for a prompt response to this situation in the next 30 days, along with the results of your investigation. If my report is not corrected or removed in accordance with the law, I will take legal action. This is happening to me, causing my mental health to diminish and a constant turmoil of emotions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: PA

Complaint narrative:
I am writing this letter to you because I feel extremely upset and I need to block, delete, or dispute all incorrect information in my credit report obtained from Transunion. In order to exercise my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which states that it is your duty to provide me with all actions you took to verify the data in my credit report. If you can not verify the items I am requesting to block, delete, or dispute, it is your obligation to remove them from my credit report immediately. 
Furthermore, under the XXXX XXXX ( XXXX XXXX XXXX ), I have an essential right to privacy regarding my financial information. Additionally, 15 USC 1681 ( 4 ) under the FCRA states the importance of maintaining my privacy as a consumer in credit reports. 
Without legal function, as shown in 15 USC 1681b ( 2 ), it has been established that Experian shouldn't have a credit report on my behalf. Transunion has neither my permission nor a valid purpose to disclose my credit report containing my personal information. The absence of such a purpose makes the presence of this information a violation of my privacy rights, which is very frustrating for me. 
I can also add, 18 USC 1028a which talks about identity theft and its associated penalties, emphasizing that identity theft is a serious crime. Furthermore, by using my personal information without my authorization, it is a criminal act against my privacy and they are violating my rights as a consumer. 
According to the law 15 USC 1681c-2, credit reporting agencies are required to block information that results from identity theft. The transactions in question were not conducted by me. If my information has been compromised due to identity theft, I expect Transunion to take all necessary action to correct and block this information as ordered by law. 
Moreover, this means I request a formal investigation into my dispute and the removal of any incorrect information from Transunion records if it is determined that no permissible purpose exists for maintaining this information. I expect Transunion to comply with the FCRA, 18 USC 1028a, and 15 USC 1681c-2 to fix any issues related to identity theft. 
I hope for a prompt response to this situation in the next 30 days, along with the results of your investigation. If my report is not corrected or removed in accordance with the law, I will take legal action. This is happening to me, causing my mental health to diminish and a constant turmoil of emotions.

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 2025-11-11 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: MO

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, {$3000.00} was fraudulently transferred from my bank account through my Venmo account to a business account named XXXX XXXX in XXXX, CA. I live in XXXX XXXX and was working from home at the time, making it impossible that I initiated or authorized this transaction. The transaction was labeled hdhd. 

The transaction was marked under XXXX XXXX XXXX, yet I did not receive any goods or services, making me eligible for reimbursement under XXXX own policy. 

On the same day, there was an attempted {$3000.00} transfer to a different Venmo account. XXXX systems flagged and blocked this attempted transaction, which demonstrates that my account was being targeted by a fraudster. That blocked account was later suspended. Venmo confirmed the blocked transaction occurred, but initially refused to provide documentation proving it. 

I discovered the unauthorized transfer on XX/XX/XXXX, and immediately reported it to Venmo. Venmo froze my account initially, then unfroze it on XX/XX/XXXX, coinciding with the denial of my initial claim. On XX/XX/XXXX, I called to appeal and requested the account be frozen again, but Venmo unfroze it on XX/XX/XXXX without my consent, which compromised account security. 

I filed multiple appeals regarding this fraud on XX/XX/XXXX, XXXX, and XXXX, XXXX. On XX/XX/XXXX, a representative informed me about the blocked attempted fraudulent transfer earlier that day. On XX/XX/XXXX, a representative refused to provide proof of the blocked transfer, confirmed it had occurred, and hung up on me. Despite all appeals and evidence of fraud, Venmo denied my claims and refused to provide documentation. 

My XXXX  fraud claim is XXXX ID : XXXX. 

I have submitted a police report on XX/XX/XXXX documenting this unauthorized transaction. My XXXX dispute number is XXXX ( UID XXXX / ACH/Check Disputes / Unauthorized Dispute ). 

XXXX repeated denials, refusal to provide documentation, mishandling of account freezes/unfreezes, and failure to honor XXXX XXXX despite clear fraud demonstrate gross mishandling of this unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Services of Iowa Inc.
State: IA

Complaint narrative:
Credit Bureau Services of Iowa is attempting to collect and has now filed a lawsuit for debts that are not mine. 

Between early XXXX  and XX/XX/year>, I sent XXXX separate written disputes and validation requests regarding account # XXXX : XXXX  by mail, XXXX  through their online portal, and XXXX detailed letter in XXXX with attached billing statements from providers. 

In these communications, I clearly identified which charges were not mine ( including XXXX XXXX XXXX and XXXX XXXX XXXX, both belonging to my ex-spouse, XXXX XXXX XXXX ) and which medical debts had already been written off or zero-balanced by the original providers. 

Despite these repeated written disputes, Credit Bureau Services never provided validation as required under FDCPA 809 ( b ) and the Iowa Consumer Credit Code. Instead, they escalated directly to litigation in XX/XX/year> ( XXXX XXXX XXXX # XXXX ) without verifying or correcting the accounts. 

This constitutes continued collection activity after written dispute, misattribution of another persons debts, and failure to validate. I am requesting the CFPB compel them to : Provide full written validation for each alleged debt. 
Cease collection and legal action until validation is complete. 
Correct all records and ensure compliance with federal and Iowa law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I have received text messages from the debt collector mentioning the name of the collector company, the name of the company in which the debt was from, a phone number of the debt collector, website of the collector company, as well as a reference number. The dates I have received these messages were XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, and the XXXX. The debt was initially {$900.00}. I have sent a mailed letter with an affidavit to request information from the debt collector company. They havent given me any information that I needed/requested. They have instead sent me a letter that shows a reduced version of my total balance. It is now {$39.00}. The date on the letter is XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing.

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 2025-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: KY

Complaint narrative:
i submitted a claim # XXXX, ref # XXXX, in XX/XX/XXXX that stated there was record of me being a customer. to my knowledge this was resolved, and in XXXX of XXXX i received my first phone call in over two years. this is not owed and needs to be removed asap. its from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: DC

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on 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 explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: KY

Complaint narrative:
I have disputed this same account more than once bc it says the account was opened XX/XX/year> and I know for a fact I didnt open it anytime this past year

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: NJ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section XXXX, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 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