vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached 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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have encountered difficulties accessing my Equifax account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have no knowledge of account, yet the continue to report on my credit report. I have requested information but they send to old or out of date addresses as well as dont send verifiable documents supporting my knowledge of said account and the fraud spending that I have suggested has occurred.

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 2025-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TradeStation Group, Inc.
State: GA

Complaint narrative:
I initiated a wire transfer from my XXXX account to my personal account at XXXX XXXX  in the amount of {$33000.00} XXXX confirmed that the wire was sent and provided me with a confirmation/reference number : XXXX. However, as of XXXX, the funds have not appeared in my XXXX account. 

I have contacted both XXXX and XXXXXXXX XXXX multiple times. XXXX claims the wire was successfully transmitted, but XXXX states there is no record of incoming funds or pending wires. Neither institution has provided a clear update or initiated a formal trace to locate the funds. 

I am requesting that the CFPB assist in investigating this missing wire transfer and ensuring the funds are either located and posted to my account or refunded promptly.

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 2025-10-23 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

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 2025-10-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX * * * * XXXX RE : Identity Theft Dispute Request to block XXXX XXXX XXXX XXXX XXXX * * * * XXXX XXXX To Whom It May Concern, I am writing to dispute and request the immediate blocking and removal of a fraudulent account listed on my credit report in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ). The account in question is from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, allegedly for a car insurance. I am insured with XXXX, and I dont have XXXX nor have I ever entered into any agreement with XXXX or authorized any account under my name in that location. Upon receiving a fraud alert from my credit monitoring service, I confirmed that this account was opened and reported without my knowledge or consent. This is a clear case of identity theft. Under FCRA 605B, you are required to block the reporting of any information resulting from identity theft within four business days upon receipt of the following documentation : A copy of my FTC Identity Theft Report ( enclosed ) A copy of my government-issued photo ID ( enclosed ) A copy of a recent utility bill showing my current address ( enclosed ) Please confirm in writing that this account has been blocked from my credit file and will no longer appear in any future reports issued by your agency. If you need any additional documentation or clarification, do not hesitate to contact me. Thank you for your prompt attention to this urgent matter.

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 2025-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: IN

Complaint narrative:
I had an aligner scan appointment on XX/XX/XXXX. On XX/XX/XXXX they announced they were shutting down all operations. I never received my aligners for my treatment. 
I paid for an item I never received and they wanted me to continue to pay for items I never received. they also retracted their lifetime guarantee So now I have crooked teeth ( still ) and a bankrupt company asking for money I shouldn't have to pay. I received an email stating I would receive a refund as well on XX/XX/XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/year> I received a call from a XXXX at XXXX XXXX XXXX, and XXXX related to a debt collection related to my Capital One card ending in XXXX. During the intro to that call they acknowleded that there was a cease and desist on my account in which they should not have been calling me. They clearly and knowling violated this request on my account and even acknowledged this when they inititated the call in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMT Solutions, LLC.
State: WA

Complaint narrative:
I received a letter saying I owed a debt. This communication is from an unlicensed debt collector

Company response to consumer: Untimely response
Consumer complaint received 2025-10-23 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-23 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: MD

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-23 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: Global Lending Services LLC
State: TX

Complaint narrative:
This is in direct response to Global Lending Services most recent message. They continue to avoid addressing the actual issue I raised. I am not questioning the original loan, nor am I asking for payment history. I am demanding proof that this company was ever given my consent to collect, share, or report any of my private information to anyone ; including the credit bureaus.

Global Lending Services has not shown me a single document signed by me that authorizes them to access my personal data or appear on my credit report. They keep repeating the same sentence about verifying my account, but nowhere have they shown any agreement, contract, or permission form with my name that legally allows them to hold or report my information. 
As a consumer, I have the right under the Fair Credit Reporting Act to know how my data is being used and who is accessing it. If GLS can not provide written proof that I allowed them to collect or share my information, then they have no permissible purpose to continue furnishing data to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
My Cash App account number was stolen and used from XXXX XXXX to withdraw {$13000.00} from by bank using the debit card linked to the account. The XXXX unauthorized transation are listed below. I have contacted Cash App phone and chat support daily since XX/XX/XXXX to file a claim but they have stomewalled me. The only way they say i can file a claim is for them to reopen my closed account so I can indivodially select and submit each of the XXXX transactions for a refund. They refuse to reopen the account. 

XX/XX/XXXX Add money XXXX XX/XX/XXXX XXXX  {$460.00} XX/XX/XXXX Add money XXXX XX/XX/XXXX XXXX XXXX {$430.00} XX/XX/XXXX Add money XXXX XX/XX/XXXX XXXX XXXX {$400.00} XX/XX/XXXX Add money XXXX XX/XX/XXXX XXXX XXXX {$400.00} XX/XX/XXXX Add money XXXX XX/XX/XXXX XXXX XXXX {$490.00} XX/XX/XXXX Add money XXXX XX/XX/XXXX XXXX {$200.00} XX/XX/XXXX Add money XXXX XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX Add money XXXX XX/XX/XXXX XXXX XXXX {$200.00} XX/XX/XXXX Add money XXXX XX/XX/XXXX XXXX XXXX {$500.00} XX/XX/XXXX Add money XXXX XX/XX/XXXX XXXX {$300.00} XX/XX/XXXX Add money XXXX XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX Add money XXXX XX/XX/XXXX XXXX XXXX {$400.00} XX/XX/XXXX Add money XXXX XX/XX/XXXX XXXX XXXX {$300.00} XX/XX/XXXX Add money XXXX XX/XX/XXXX XXXX XXXX {$500.00} XX/XX/XXXX Add money XXXX XX/XX/XXXX XXXX XXXX {$400.00} XX/XX/XXXX Add money XXXX XXXX XXXX {$500.00} XX/XX/XXXX Add money XXXX XX/XX/XXXX Adams Contracting {$500.00} XX/XX/XXXX Add money XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX Add money XXXX XX/XX/XXXX XXXX {$300.00} XX/XX/XXXX Add money XXXX XX/XX/XXXX XXXX XXXX {$500.00} XX/XX/XXXX Add money XXXX XX/XX/XXXX Add money XXXX XX/XX/XXXX XXXX XXXX {$400.00} XX/XX/XXXX XXXX {$400.00} XX/XX/XXXX Add money XXXX XX/XX/XXXX XXXX XXXX {$500.00} XX/XX/XXXX Add money XXXX XX/XX/XXXX XXXX XXXX {$400.00} XX/XX/XXXX Add money XXXX XX/XX/XXXX XXXX XXXX {$300.00} XX/XX/XXXX Add money XXXX XX/XX/XXXX Add money XXXX XX/XX/XXXX XXXX XXXX {$500.00} XX/XX/XXXX Add money {$750.00} XX/XX/XXXX XXXX XXXX {$750.00} XX/XX/XXXX Add money XXXX XX/XX/XXXX Add money XXXX XX/XX/XXXX XXXX XXXX {$800.00} XX/XX/XXXXXXXX XXXX  Contracting {$300.00} XX/XX/XXXX Add money XXXX XX/XX/XXXX Add money XXXX XX/XX/XXXX XXXX  Contracting {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I have been with PNC bank for over 15 years. My account was hacked by someone using the PNC XXXX app. They were able to use XXXX to steal {$1900.00} from my PNC Bank checking account on Tuesday, XX/XX/XXXX at XXXX. 

I got a notice that my bank account was below the amount I set for an alarm. I called the bank immediately and let them know that this fraud had occurred. We closed my bank account, and filed a notice of fraud. I went in person to the XXXX PNC bank branch XXXX XXXX XXXX, XXXX, TX XXXX, and worked with a bank employee, XXXX, to make sure I did everything I needed to do. I was told that the bank had XXXX days to give me a provisional credit. 

On XX/XX/XXXX, I called XXXX to see what the progress was on my case. She informed me that PNC bank would not be refunding my money, and had sent me a letter, citing " previous activity '' as the reason for not covering the loss. I have never sent anyone a XXXX payment over {$100.00}, and have no idea who the recipient, listed as XXXX XXXX, with a phone number of XXXX. There was also an attempt to send {$1900.00} to XXXX XXXX at XXXX, but it appears that the transaction was cancelled. 

No one from PNC bank ever contact me with questions of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) 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 XX/XX/XXXX US CXX/XX/XXXXe XXXXB since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( XX/XX/XXXX), 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 2025-10-23 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: EQUIFAX, INC.
State: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) 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 XX/XX/XXXX US CXX/XX/XXXXe XXXXB since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( XX/XX/XXXX), 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 response to consumer: Closed with non-monetary relief