vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 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 notify you that I am a confirmed victim of the XXXX  Equifax data breach, which exposed the personal identifying information of over XXXX XXXX Americans, including mine. As a result of this breach, I have reason to believe that unauthorized and fraudulent accounts and/or inaccurate information have been reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B ), I am asserting my rights as an identity theft victim to request that all information resulting from fraud, including any accounts, inquiries, or collections that do not belong to me, be permanently blocked from my credit report. The FCRA requires consumer reporting agencies to block such information within XXXX business days of receiving : Proof of identity ; A copy of a valid identity theft report The identification of the fraudulent information in question ; and A statement that the information is not related to any transaction I made. Furthermore, the credit reporting agencies have a legal obligation to ensure the maximum possible accuracy of the data they report under 15 U.S.C. 1681e ( b ). The continued reporting of inaccurate, unverifiable, or fraudulent information is a violation of federal law. I am requesting an immediate investigation and the removal or permanent blocking of all items on my credit report that do not belong to me, which I believe are the result of identity theft stemming from the Equifax data breach. Please consider this a formal complaint and request for enforcement action, as I have exhausted attempts to correct this directly with the credit bureaus and furnishers of the information. I respectfully ask that the CFPB hold these entities accountable and ensure my consumer rights are protected. I am prepared to provide supporting documentation, including my identity theft report, upon request

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 2025-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I realized I was scammed and went PNC Bank ask for help recovering my money. However, PNC said they couldn't help me because the withdrawal cash was made and deposited into someone else 's account. They asked me to contact the police for assistance. On XX/XX/XXXX, I made a {$2600.00} deposit into Account XXXX : XXXX Routing Number : XXXX. After realizing it was a scam on Friday, I went to PNC Bank on Saturday at noon

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I havent been able to access the money in my Venmo account going on 72hours. Ive been in contact with Venmo since Friday XX/XX/year> and all the agents keep saying is to just wait. I havent been told an exact reason as to why I can not access my funds. I have {$870.00} in the account and I cant transfer, swipe my card, or withdraw from the ATM. The agents in the phone has told me repeatedly theres nothing that they can do and I just have to wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: SC

Complaint narrative:
To whom it may concern, I am writing to formally complain about UFB Direct Bank 's login system, which has been fundamentally broken and has prevented me from accessing my account for over a month. Despite multiple attempts to resolve this issue through customer service, I have received no resolution. I request urgent attention to this matter and a prompt response regarding the steps being taken to fix the problem. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: Affirm Holdings, Inc
State: PA

Complaint narrative:
XX/XX/XXXX I bought this XXXX XXXX  XXXX XXXX  from XXXX XXXX XXXX. From day one of delivery, the four-wheel-drive will not work on demand. It has had countless issues of overheating. Throttle fluctuations very poor quality product. And now the company currently says that it cant be used for off-road purposes that it is too hard on the machine. I cant believe I got scammed into buying this. Please look into this company. I dont believe they are doing legit business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I initiated a mobile online transfer from my Fifth Third Saving to my XXXX XXXX checking on Monday XX/XX/year> in the amount of {$600.00}. Once I completed the transfer Fifth Third stated my transfer will be completed on Thursday XX/XX/year>. On Friday XX/XX/year>, the money had not been transferred but the {$600.00} had been processed out of my Saving at Fifth Third Bank. I called Fifth Third, spoke to associate # 1, she stated she seen the transaction and I needed to contact XXXX XXXX, saying its on their side. I called XXXX XXXX, same day right after. The XXXX XXXXXXXX associate looked and reviewed my account and was not seeing the transfer from Fifth Third, she also stated since the transfer originated with Fifth Third, I needed to call them to find out where and why transfer was not done. Same day, Friday XX/XX/year>, I called Fifth Third in XXXX again, associate # 2, told me because it was done thru mobile online, I had to take to mobile online customer service and she gave me the number. I called Fifth Third Mobile Online customer service immediately, associate # 3 with Fifth Third, I explained my issue/situation and he stated, " I know exactly what the problem is '', I felt a little relief thinking, he's hoping to fix the issue and let me know when I will see the {$600.00} in my XXXX  XXXX checking. He stated, Fifth Third had an update and were having technical issues. I ask, when will the transfer be completed. He said, " sooner rather than later ''. I stated, that answer was not good enough and I needed a date. He put me on hold, came back and stated " they are working in the technical issue ''. Couldn't give me any more information on where or when I was going to get my {$600.00} back. I continued to check my accounts all day and weekend. As of this posting, I still do not have my transfer complete or money returned to my savings account at Fifth Third Bank. And no idea when it will be completed and their issued fixed. I never received any notification of any issues until I called on Friday XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-08-17 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I received notification on XX/XX/scrub> 2025 that a collect account was added to my credit from a company called Caine and Weiner. However, I have never had any business with this company nor signed any contract with said company. Furthermore, The Fair Debt Collection Practices Act clearly states I must be notified about said collection. I have yet to be notified nor provided original documents with my original signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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:
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 XX/XX/XXXX -- {$6500.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I reviewed my consumer reports and noticed that I had 1 late payment on an account that I had never been late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payment for the account : ( Navy Federal Credit Union ). Please investigate and provide proof with a statement showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time, as they should be, as I was Never late. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-08-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RMS-Recovery Management Services, Inc.
State: MO

Complaint narrative:
Recovery management services just put a collections on my credit report for a debt from XXXX XXXX. I've never been or heard of XXXX XXXX. I've been working at a XXXX XXXX in XXXX XXXX for the past 9 years. Before that I went to XXXX XXXX XXXXXXXX and graduated in 2016. I can offer more details if they are needed.

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 2025-08-17 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: NC

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

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 2025-08-17 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: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ) please remove this unverifiable item clean legal powerful

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, Wells Fargo unlawfully repossessed my vehicle with an inflated balance. Reviewing my payments from XX/XX/year> to current, I am ahead on payments, questioning why Wells Fargo is damaging my credit and misapplying my payments to my car. Furthermore, with remote tracking, Wells Fargo has unlawfully disabled access to my account for me to see the true balance. As of XX/XX/XXXX my balance was a questionable {$670.00}.

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 2025-08-17 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Trans Union refuses to correct information sent Twice by XXXXXXXX XXXX XXXXXXXX XXXX XXXX Closed by owner POA PAID IN FULL. XXXX said to report to FTC, CFPB My Credit history should show exact wording as XXXX informed me and it still does not after 4 Months. Further, My Credit was closed by my POA and automatic payments from XXXX  XXXX  set on or about XX/XX/XXXX when I was in XXXX  for 6 Months. I am XXXX XXXX XXXX and is causing me Financial and health XXXX. 
Further, My Bankruptcy was taken off the report but the inquiry on XXXX was dismissed and should no longer be there as it was associated with the original XXXX dismissal. 
Respectfully Submitted, XXXX XXXX on XX/XX/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 2025-08-17 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX XXXX  XXXX Re : Unauthorized Hard Inquiries Request for Investigation Dear CFPB Representative, I am filing a formal complaint regarding multiple unauthorized hard credit inquiries by Ally Financial. On my credit report, Ally Financial placed hard inquiries on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I did not apply for credit, sign any contract, or authorize these inquiries. 

I contacted the credit bureau to dispute these inquiries, but they responded that the inquiries were verified and accurate. I disagree with this determination, as I have no record of authorizing Ally Financial to access my credit file. 

I am requesting that the CFPB require Ally Financial to provide documented proof of my authorization such as a signed application, contract, or other written consent. If Ally Financial can not provide such proof, these inquiries should be removed from my credit file, as they violate the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose and consumer consent for credit pulls. 

Please investigate this matter and take appropriate action to ensure compliance. I have attached a copy of my credit report with the disputed inquiries highlighted for your review. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation