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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 XXXX * * * * Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXXXXXX * * * * Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 as proof from the XXXX 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 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 XXXX * * * * Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXXXXXX * * * * Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: MO

Complaint narrative:
I have deposited XXXX in kraken in ETH is has not been available to even start withdraw process for a month now. It says unbinding a couple weeks. How can I get my money if its not withdraw able and app says I have XXXX ETH says then I have XXXX. All my others I can unbond and get out bitcoin takes 7 days Ive done it twice. Nothing for ETH and Ive tried whole time first one I did on the app a month ago. You cant tell me unbinding time or this and that and now I can never access my money. So if it takes another month or whatever it is whos responsible to reimburse me for the losses or for financial hardship been placed in trying to get my XXXX bucks and understood the timelines but kraken didnt operate by them and I have reached out all day and been told Ill be helped or be next and theyve ran me around. For my money. I am done and sick of it. They cant be trusted they have you sign documents whats the penalty for them for not living up to the deal nothing?

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding multiple inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency it remains unresolved. I have requested a full investigation on accounts/names/ address that do not belong to be me over 3 months, I have requested original documentation from the data furnisher that legally proves the accuracy and ownership of accounts as well as incorrect names, addresses, and accounts that do not belong to me. According to the Fair Credit Reporting Act, all information must be 100 % accurate. The incorrect entries are adversely affecting my ability to secure financial opportunities, I continue to receive correspondence indicating that the information I submitted did not originate from me. I have sent letters to Equifax, Transunion and Experian advising that only I possess my Social Security card and drivers license, and I can assure you that all information provided comes directly from me. I respectfully asked they process my submission accordingly and refrain from sending further notices stating that the information was not received from the appropriate source. As outlined in the Fair Credit Reporting Act, they are required to investigate any information I report and they ignored all my request several times. I have also sent in a cease and desist notice for all activities related to the erroneous information on my account as they failed to conduct a lawful investigation, Per Norman V Transunion, a recent class action lawsuit where Transunion was found in violation for failing to reasonably investigate consumer disputes, If you attempt to bypass your legal obligations, Equifax, Transunion and Experian are opening themselves to civil liability under 15 U.S.C & 1681N AND & 1681o WHICH PROVIDES FOR ACTUAL DAMAGES, PUNITIVE DAMEAGE AND ATTORNEYS FEES. I request immediate investigation and removal of these items as it is incorrect and does not reflect my true credit history.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX. XXXX  - Account Number : 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  ), Date Opened : XX/XX/year>, Balance : {$320.00} INQUIRIES : XXXX XXXX  Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX  XXXX XXXX Date : XX/XX/year> XXXX  XXXX  Date : XX/XX/year> XXXXXXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Date 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 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7100.00} INQUIRIES : XXXX XXXX XXXX Date : XX/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 2025-08-07 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: TX

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 on my XXXX XXXX  account [ XXXX ]. 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 explanation
Consumer complaint received 2025-08-08 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: SC

Complaint narrative:
RE : Formal Request for Method of Verification File # XXXX To Whom It May Concern : I am writing regarding my TransUnion credit file, File Number : XXXX, in which you continue to report the following accounts and public record as verified and accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX South Carolina ) Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am making a formal demand for the full Method of Verification for each of these items. Specifically, you are required to provide : The person name, mailing address, and telephone number of each furnisher or public record source you contacted during your re-investigation. 
A description of the exact manner in which the verification was conducted. 
Copies of any and all documentation provided to you by the furnishers or data providers that supported your decision to maintain these items on my report. 
Under 15 U.S.C. 1681g ( a ) ( 2 ), you are obligated to disclose the sources of the information in my file upon request.

Under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to ensure the maximum possible accuracy of the information you 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 non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: IL

Complaint narrative:
Please accept this complaint as the dispute on the accounts that appeared due to fraudulent actions. I hope for your immediate action, as these items affect my life. I have been disputing these accounts with you for a decent amount of time and so far you are still reporting them which are violations of my rights as a consumer, so I had to submit this complaint on your company. Under the FCRA 605b, each fraudulent item should be deleted/ blocked immediately. The following items opened/used by a different person or group of the people, I never used and authorized them : Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
I financed solar panel installation from XXXX, through a loan from XXXX XXXX XXXX, serviced by XXXX. After 3 years of monthly on-time payments, the solar system has never operated, nor received Permission to Operate ( PTO ). The original contractor went out of business, and replacements sent by the lender have failed to complete the job. 

Mosaic has hired XXXX contractors to complete the job, but both contractors failed to complete the install; solar panels are still nonoperational after 3 years of on-time payments. 

Since XXXX, I've made continued attempts to contact both Mosaic and Solar Installers to keep me in the loop and assist in completion of the project, but both have kept me in the dark and am continually told by support staff that they do not know what is happening with my project. All the solar panels remain unoperational ; as of XX/XX/XXXX, Mosaic put my project on hold and refused to provide explanation, reason, or support. 

I sent a dispute letter invoking FTC XXXX XXXX ; no response after over 1 month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Aside from numerous issues with Wells Fargo and institutional coaching and shadow counsel of Wells Fargo at my trial I have repeatedly requested my full loan file from Wells Fargo for over a year now and they are refusing to send it I have sent another 30 day request and would legally like my file including income details and full application pack of my co borrower XXXX XXXX XXXX - my late father in 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 2025-08-07 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: KY

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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: KY

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I need to emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not verified to be of the maximum possible accuracy. These errors have been a heavy burden and continue to affect me negatively in ways that are difficult to fully express. These are challenging times for me, and it would truly be a great help, a blessing even, if these inaccuracies are corrected or 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 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account XXXX : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: FL

Complaint narrative:
On XX/XX/year> I moved out of XXXX at XXXX. My understanding nothing was owed and my deposit would be returned. I never received my deposit and XXXX year later I received alert on my credit report. I was being charged {$1600.00} for items that the maintenance of the building took care of, for example fumigation other items that I was never made aware. According to the collection company they mailed an itemized list of damages, they do not have a copy and can not confirm the address this was mailed to. Per the contract I was to be made aware of any charges within 15 days. They have never contacted me and when I received the alert from my credit I called the company and they have been so rude and inappropriate. I tried to explain I do not owe this balance and their response is be an adult, we do not need proof we sent you a letter, Get a life and learn how to pay and it continues repeatedly. If you ask for a supervisor there isnt one in the office. 


I have called, sent emails to the collection agency, went to the leasing office and they only have a written in ledger with the wrong dates and no ther information.

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On several occasions since XXXX  I have requested Experian delete all my data and account information for account membership number # XXXX They refuse. Experian continues to contact me and send me emails and charge my credit card periodically for this membership. I won my credit card dispute against Experian for unauthorized charges and account lock to be prevented from cancelling membership I never signed up for.

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: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CCF Intermediate Holdings LLC
State: KS

Complaint narrative:
I applied for a line of credit with Speedy Cash on XX/XX/XXXX and was told that I already had an account with them. I knew that was not possible so I called them and they told me that there was an account opened online in my name in XX/XX/XXXX. I did not even live in XXXX, KS at that time I was living in XXXX  XXXX, OK. I did go through an identity theft around that time and I filed an identity theft affidavit and sent them all the information that I had available. They sent me the loan documents and upon lookin at them the DOB on the app didn't match my DOB, the phone number and employer was not mine, The DL # was not mine or didn't match, and the Bank account I have never had an account at that bank. I sent them everything they asked and they wrote me and say that they are unable to determine it was identity theft. I know my rights and I have an affidavit on file with the FTC. They are still trying to collect on a debt that was never mine!

Company response to consumer: Closed with explanation