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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I Have accounts and inquires on my credit profile that are incirrect and information that was sold without my 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 2025-08-22 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: MA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law. 
The most appropriate and fair outcome in this matter is the full removal of the inaccurate negative entries from my credit report. I have made every effort to resolve these discrepancies through the proper channels, yet they continue to go uncorrected. It is both frustrating and deeply discouraging that no meaningful steps have been taken. The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report, free from unverifiable or incorrect data. Your ongoing inaction not only breaches this legal obligation but has also caused serious financial hardship and emotional distress. I strongly urge you to take prompt and definitive steps to eliminate these harmful items from my credit file.

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I HAVE CONTACTED TRANS UNION, EXPERIAN XXXX XXXX AND HAVE PROVIDED THEM WITH A COPY OF MY DIVORCE DECREE AND HAVE REQUESTED FOR THEM TO ADD A COMENT THAT THE ACCOUNT IS OBLIGATION OF FORMER SPOUSE AND PER DIVORCE DECREE. 
XXXX XXXX THE XXXX TRANS UNION RECIEVED THE COPY OF THE DIVORCE DECREE AND I DISPUTED THE ACCOUNT ONLINE VIA XXXX XXXX AND THE ACCOUNT WAS REMOVED BUT WEEKS LATER IT APPEARED AGAIN AND CALLED TRANS UNION TO PLEASE EXPIDITE MY REQUEST TO ADD THE DISPUTE COMMENT SINCE I WAS IN THE PROCESS OF PURCHASING A HOME AND TODAY I CALLED THEY TOLD ME THAT THEY CANT ADD THE DISPUTE COMMENT. YESTERDAY I CALLED XXXX XXXX BECAUSE I ALSO MAILED THEM A COPY AND THEY TOLD ME THAT THEY DID RECIEVED THE COPY BUT I NEEDED TO MAIL IT TO ANOTHER ADDRESS WHICH IS THE LEGAL DEPARTMENT AND THEY TOLD ME THAT THEY DONT HAVE A PHONE SO I CAN CALLED THEM AND THAT EVERYTHING IS BY MAIL. FOR OVER 60 DAYS AND XXXX AND TRANS UNION CANT GET THAT DISPUTED ADDED. I UNDERSTAND THAT I AM LEGALLY BINDED TO THE ACCOUNT BUT THE REMARK WILL NOT REMOVE ME FROM THE ACCOUNT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I transfered {$240.00} into XXXX, get to the Pharmacy, and my payment wouldnt go through, amd the atm would not work. I complied with their request to verify my photo id, however, they still have yet to unfreeze my account, going as far as to freeze my PayPal account. They have hung up on me, been rude, and treated me with utter disrespect, furthering my XXXXXXXX XXXX XXXXXXXX symptoms. They refuse to assist me in spite of the emergency.

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 — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I tried to perform a wire transfer on line last XXXX, XX/XX/XXXX. Two hours and two customer service representative later, I was told I could not complete the transaction on line, that I had to go to my bank. I went to my bank, Bank of America, Saturday, XX/XX/XXXX. After waiting two hours, XXXX XXXX, a XXXX XXXX told me she would not do the wire transfer, because it might be fraud. I tried reasoning with her, but she was adamant that she would not perform the transfer. In lieu of a wire transfer, I withdrew {$400.00} and sent {$500.00} via XXXX XXXX. If her intent was to protect me she failed miserably. With a wire transfer, I would had the recipients banking information. Instead he just got cash. When I checked my email today, I found that Bank of America declined to pay three of the bills I have set up on XXXX due to insufficient funds. When I called the bank they said the account was frozen due to suspected fraud. How is paying my XXXX XXXX fraud? When they tried to contact the department responsible for freezing my accounts, they got no answer. I tried twice by phone without result. Then I went to the bank in person. I got the same result, they were unable to get in touch with the department responsible for freezing my account. I have had these accounts, checking and savings since 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 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: GA

Complaint narrative:
XXXX XXXX, ( XXXX ) XXXX, ( XXXX XXXX XXXX  ) XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION 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 1. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
XXXX Account Number : XXXX Please remove it from my credit report.

5. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 ( FTC Number ) XXXX 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 2025-08-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
I am a XXXX XXXX XXXX veteran with a XXXX. 

The contract was misleading the all sales final clause was buried. 

Under the FTC XXXX XXXX, Monterey is responsible for claims against XXXX. 

Monterey even emailed asking for my bank card number, which feels like harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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:
XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acceptance XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries 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 2025-08-22 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, EXPERIAN credit reporting agency block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of receiving this complaint. This false, inaccurate, and fraudulent information consist of auto loans, personal loans, collections ACCOUNTS - XXXX XXXX  {$210.00} XXXX XXXX {$200.00} XXXX XXXX  {$10000.00} These accounts have resulted in several fraudulent inquiries and accounts on my consumer FICO report. I've attached a list of the accounts. I do not recognize the aforementioned accounts, collections, and inquiries reported.The aforementioned accounts you have on file on my consumer report was not initiated by me nor opened ; they are a result of identity theft. I have attached my FTC report as a result that the mentioned accounts were opened fraudulently.

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 2025-08-23 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:
XXXX XXXX XXXX XXXX NJ XXXXXXXX XXXXTransUnion Consumer Solutions\XXXX XXXX XXXX  PA XXXXSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft VictimXXXXDear Transunion Consumer Services,XXXXI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the TransUnion data breach, and unauthorized accounts have been fraudulently opened in my name.XXXXThe fraudulent accounts that I have identified on my credit report are as follows: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 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 XXXXXXXXUnder 15 U.S.C.  1681c-2(a), I request that Transunion promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profileXXXXFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided aboveXXXXThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.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 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX Formal Dispute Ginnys Account ( # XXXXXXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute the above-referenced Ginnys account reported on my XXXX  and Equifax credit reports. 

This account has been previously disputed and deleted from XXXX, as XXXX failed to provide any documentation or contracts verifying the validity of this account. Despite this, it continues to be reported on XXXX  and Equifax as a collection/charge-off, which is inaccurate, misleading, and a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Reporting Inaccuracies & Discrepancies XXXX  : Account was deleted after investigation due to lack of documentation. 

XXXX  XXXX Equifax : Account remains open, showing a charge-off/collection status without any verification. 

Differences in reporting : High credit amounts, payment history, and account status are inconsistent across bureaus. 

XXXX continues to respond that they are not responsible for credit bureau inaccuracies, yet they are the furnisher of record under FCRA 623 ( 15 U.S.C. 1681s-2 ). As a data furnisher, they are legally obligated to provide complete and accurate information, and to investigate disputes when notified by a consumer.

FCRA 1681i : Credit reporting agencies must conduct a reasonable investigation of disputed information and correct or delete any inaccurate or unverifiable data.

FCRA 1681e ( b ) : CRAs must ensure that all reporting is accurate and complete. Reporting a collection/charge-off without verification violates this statute.

FCRA 1681s-2 ( b ) : Data furnishers are legally required to investigate disputes and correct inaccurate information. Continuing to report this account without verification is a violation.

Given the repeated disputes and lack of supporting documentation, I am demanding : Immediate deletion of this account from XXXX and Equifax ; OR Provision of full verification, including : Signed contract or agreement showing I incurred this debt Complete payment history and account statements Documentation linking me to this account Failure to comply will leave me no choice but to : File complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state regulatory agencies ; Pursue civil legal action for statutory damages, attorneys fees, and any other relief available under the FCRA. 

This is my second formal dispute regarding this account, and I am exercising all my legal rights to ensure that unverifiable, inaccurate, and potentially fraudulent information is removed from my credit report. I expect written confirmation of deletion or full verification within the legally required timeframe. 

Sincerely,

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: EQUIFAX, INC.
State: CA

Complaint narrative:
Formal Dispute of Inaccurate Bankruptcy Reporting Case Numbers : XXXX and XXXX The XXXX XXXX XXXX confirmed they " do not report any information to any credit reporting agency. '' - See Attached 1. No Direct Source : The court confirms they do not directly report bankruptcy information to credit agencies 2. No Control : The court states they do not control credit reporting agency actions 3. FCRA Compliance Issue : If the court doesn't report directly, how do you verify accuracy under FCRA Section 607 ( b )? LEGAL AUTHORITY : The court 's response specifically references " Fair Credit Reporting Act, 15 U.S.C. Section 1681 et seq., is the law that controls credit reporting agencies. '' Under this law : Section 607 ( b ) : You must follow reasonable procedures to assure maximum possible accuracy Section 609 : You must provide verification of reported information upon request Section 611 : You must investigate disputed information and delete unverifiable items DEMAND FOR DELETION : Since you can not verify these bankruptcies through the direct source ( the court admits no direct control ), and since both cases were DISMISSED rather than completed, these entries must be deleted immediately under FCRA Section 611 ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: KLS Financial Services, Inc
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TN XXXX Phone : XXXX Date : XX/XX/XXXX I am writing to formally dispute and demand the removal of fraudulent and inaccurate information appearing on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. These items are not associated with me and represent fraudulent activity. Under 15 U.S.C. 1681i ( a ), I have the right to dispute any inaccurate or unverifiable information, and the credit reporting agency must conduct a reasonable investigation within 30 days of receipt of this letter.

Disputed Accounts & Inaccuracies 1. XXXX XXXX XXXX  Debt Amount : {$1100.00} Opened : XX/XX/XXXX Status : Collections Fraudulent I never opened or authorized this account. 
2. KLS FINANCIAL SERVICES , INC Debt Amount : {$550.00} Opened : XX/XX/XXXX Status : Collections Fraudulent Previously disputed with proof of incorrect address, but not removed. 
3. XXXX Debt Amount : {$12000.00} Opened : XX/XX/XXXX Closed : XX/XX/XXXX Status : Repossession Fraudulent I have never financed a vehicle. I have owned a cash-purchased car since XXXX. 
4. XXXX XXXX XXXX Debt Amount : {$210.00} Opened : XX/XX/XXXX Closed : XX/XX/XXXX Status : Derogatory Fraudulent Timeline provided is inconsistent and unverifiable. 
5. Hard Inquiry XXXX XXXX Inquiry Date : XX/XX/XXXX Fraudulent Merchant confirmed an older male called in and initiated this inquiry. The approval was denied, but the inquiry remains, damaging my credit profile.

Legal Basis for Removal 15 U.S.C. 1681c ( a ) ( 1-5 ) : Prohibits credit bureaus from reporting inaccurate or unverifiable information.

15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Mandates deletion of disputed information if it can not be verified within 30 days.

15 U.S.C. 1681c-2 : Provides consumers the right to block fraudulent information resulting from identity theft.

Furthermore, several of these accounts list dates when I was only XXXX XXXX XXXX and had no knowledge of credit or financial accounts, further confirming fraud.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I recently discovered that my Mother, XXXX XXXX, had been making fraudulent charges to an old XXXX XXXX XXXX I believed I had closed many years ago. I made the discovery while doing a deep dive on my credit file. She had been making payments until XXXX XXXX XXXX  when activity stopped and the account fell to delinquency. This has drastically affected my credit rating.

Company response to consumer: Closed with explanation