vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: GA

Complaint narrative:
See attached documents. 
XXXX XXXX XXXXXXXX XXXXXX/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 Experian 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 XXXX  XXXX XX/XX/XXXX, an utility a account opened at XXXX ( XXXX  ) on XX/XX/XXXX, a utility account opened at XXXX XXXX on XX/XX/XXXX, and a credit card account opened at XXXX 's on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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 2025-07-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My rights were violated as a consumer under 15 USC 1681B and I need them blocked and deleted from my report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: DE

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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 2025-07-11 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: TX

Complaint narrative:
This correspondence is to formally dispute the accuracy of a collection account that has been wrongfully reported under my credit profile. I have no association with the alleged debt, and I believe it to be the result of identity misuse.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
In XXXX of XXXX  I paid off a loan with a 3rd party agency that was originally through affirm. The XXXX was for XXXX & I paid off the balance through settlement. However, my credit report still shows I owe {$230.00}. This is not correct and Ive called Affirm multiple times to correct this. It is now XXXX and my account still shows {$230.00} owed. 

Affirm reached out to me in XXXX and confirmed they received a {$230.00} credit from the 3rd party agency and made an adjustment to my account however that adjustment is not reflecting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently discovered that my credit report has been accessed without my consent, and applications appear to have been made in my name. I do not recognize these inquiries, nor did I authorize or apply to any of the companies involved. These unauthorized actions are a clear violation of my rights as a consumer and deeply concerning to me as someone who values personal and financial integrity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: MOHELA
State: NE

Complaint narrative:
MOHELA Dept of ED Date opened- XX/XX/XXXXXXXX  Loan type- student loan Account type- installment account I am formally disputing a student loan account serviced by MOHELA that appears on my credit report. I have never attended any college or XXXX XXXX XXXX XXXX XXXX XXXX  nor have I ever lived in Missouri at any point in my life. I believe this account was fraudulently opened in my name and is the result of identity theft. 

For the record, I only attended XXXX XXXX XXXX in Arizona during the XXXX  semester of XXXX, from XXXX to XXXX, before the COVID-19 pandemic began. I have not enrolled in, attended, or received financial aid from any other institution since then. 
I began attending XXXX XXXX XXXX in Arizona during the second week of XX/XX/XXXX. 

However, this MOHELA student loan account was opened in XX/XX/XXXX, XXXX month after I started school, and is not connected to my enrollment or any financial aid I applied for. I did not apply for nor authorize any loan during that time, especially not through MOHELA or for any college in Missouri. This strongly indicates that this account is fraudulent and unrelated to my legitimate educational history. 

Additionally, I have documentation showing that payments were made toward this MOHELA account in XXXX  and continued into XXXX, with the last payment stopping around XX/XX/XXXX. I want to make it clear that I have never made any payments toward this loan and have never agreed to take out a student loan from MOHELA or any other lender based in Missouri. 

This account is not mine, and I am requesting its immediate removal from my credit file. I am also requesting a full investigation into the fraudulent use of my identity.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-11 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Unauthorized use of my credit to third parties without consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: NY

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

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 2025-07-12 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 filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

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 2025-07-12 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: MI

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.

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 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, I received an exclusive email offer from Capital One stating that I would receive a {$300.00} cash bonus if I spent {$500.00} or more after being approved for a new credit card. The standard public offer is {$200.00}, but this was promoted as a personalized {$300.00} bonus offer for me. 

I applied for the credit card through the link provided in that email on XX/XX/year>. I met the required {$500.00} spending threshold shortly after. However, I have not received the bonus. 

I contacted Capital One customer service on XX/XX/XXXX and again on XX/XX/XXXX to inquire about the status of the bonus. Both times, I was told there was no bonus offer attached to my application, which contradicts the terms outlined in the email I received and used to apply. 

I have saved the promotional email and can provide it as proof that I was eligible for the offer and followed all the necessary steps. 

I am requesting that Capital One honor the {$300.00} bonus as promised in the offer I received and used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is XXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: GA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is XXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
I am writing to formally dispute a collection account listed on my credit file that I did not authorize, incur, or recognize. This collection entry is fraudulent and does not reflect my true credit obligations.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute a collection account that is inaccurately listed in my credit file. I have no knowledge of this debt, and I believe it is the result of identity theft or an administrative error.

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 2025-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
On XX/XX/year> I received a letter stating I owed {$11000.00}. 
Letter appeared a little sketchy but I scanned the XXXX code listed. It actually brought me to this webpage, but wanted /debt-collection behind it. This page said it could not be found.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: MA

Complaint narrative:
This report is being submitted due to incorrect information appearing on my credit report. Equifax verified that a system error caused my personal details to be exposed and used fraudulently. I have been denied credit as a result, and I am requesting that this issue be corrected within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
On XX/XX/year>XXXX  I had seen an unauthorized charge for {$110.00} from a merchant XXXX. I immediately notified the credit card agency about the unauthorized charge. On or about XX/XX/year>XXXX  I received a letter under case ID XXXX XXXX which stated that Barclays had reached out to me regarding the charges. I have no record of any call being placed or any message related to such an inquiry. Additionally the letter requested additional information on the unauthorized charge which is difficult to prove as to any documentation. 

Despite the ongoing issue I went ahead and made a payment on the account so it would not affect me negatively however despite receiving a payment and a dispute the Barclays reported late payment on my account which negatively impacted my account. 


Barclays building You made contact billing dispute XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX or speak to them over the phone at XXXX. 

thank you for your attention to this matter you may also contact me at XXXX or email me at 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 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My account was closed behind the misunderstanding by the Bank teller. I withdrew my direct deposit and thought I was signing a receipt for the amount of the deposit. I found out at the ATM a hour later. I went to the branch and was told my account was being closed. I requested the cancelation is stopped and I continue with the bank. The representative did this and said the account should be reopened. A week later they send me a Email stating that my account was being closed. They also stated that it was on beyond reopening and they would apply my Promo from account # XXXX to account # XXXX I would not have to wait another 90 days. I have not received the bonus yet.

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 2025-07-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
I put in XXXX from my XXXX  XXXX  account then I withdraw it from my SoFi account Back to my XXXX  account. The policy says 1-3 business days and it never showed back into my bankaccount. 

My name on the account is XXXX XXXX, my email is XXXX My transaction ticket number is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MD

Complaint narrative:
I made two purchases from a XXXX  merchant named All XXXX XXXX using my Cash App card on XX/XX/year>. XXXX for {$120.00} and XXXX for {$88.00}. The merchant never shipped my orders and is no longer responding to any messages or calls. 

I submitted two disputes with Cash App on XX/XX/XXXX and XX/XX/XXXX, but both were denied. I also contacted support directly. Now the store has been deactivated, which shows the merchant was indeed running a scam. 

I am requesting your help to escalate this issue with Block, Inc. ( Cash App ) and get a refund. This was a clear case of fraud, and the merchant is no longer operating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This account is incorrectly marked as delinquent. It should not be showing this status, as the information is inaccurate. I am requesting that it be disputed and updated to reflect no late payments.

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