vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kubota North America Corporation
State: VA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: NC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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 am reporting multiple accounts appearing on my credit report that I never opened, authorized, or managed. These entries are inaccurate and misleading, and they falsely portray my financial history. I take my credit profile very seriously, and the presence of these unauthorized accounts has caused significant concern, disruption, and measurable harm to my creditworthiness.

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 2025-10-27 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-27 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: MN

Complaint narrative:
I am filing this complaint in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 605B, 609, and 611, as a victim of identity theft. 

I have submitted three official FTC Identity Theft Reports ( Report XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) and am requesting the removal and blocking of all fraudulent accounts and inquiries listed therein. 

The disputed items include multiple unauthorized credit cards, personal loans, and auto loans opened in my name, including but not limited to : XXXX XXXX XXXX XXXX ( multiple cards + auto loan ) XXXX  XXXX credit cards XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX auto loan Other listed accounts and inquiries ( see attached FTC Reports ) I have provided to the credit bureaus and relevant creditors : My FTC Identity Theft Reports A list of fraudulent accounts and inquiries A formal identity theft declaration under penalty of perjury Proof of identity and address I am requesting that the CFPB ensure the consumer reporting agencies ( Equifax, Experian, TransUnion ) and any furnishers : Comply with FCRA 605B by blocking this information within 4 business days of receiving proper documentation Do not reinsert any of this information unless they comply with 611 ( a ) ( 5 ) ( B ) and provide me with written notice I also request a full investigation into any bureau or furnisher that fails to act in accordance with the FCRA. I am seeking relief for the emotional, financial, and legal burden caused by this ongoing identity theft. 

All evidence has been submitted, and this matter is time-sensitive. I request CFPB assistance in enforcing my rights and expediting removal of the fraudulent information.

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 2025-10-27 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: MN

Complaint narrative:
I am filing this complaint in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 605B, 609, and 611, as a victim of identity theft. 

I have submitted three official FTC Identity Theft Reports ( Report XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) and am requesting the removal and blocking of all fraudulent accounts and inquiries listed therein. 

The disputed items include multiple unauthorized credit cards, personal loans, and auto loans opened in my name, including but not limited to : XXXX XXXX XXXX XXXX ( multiple cards + auto loan ) XXXX  XXXX credit cards XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX auto loan Other listed accounts and inquiries ( see attached FTC Reports ) I have provided to the credit bureaus and relevant creditors : My FTC Identity Theft Reports A list of fraudulent accounts and inquiries A formal identity theft declaration under penalty of perjury Proof of identity and address I am requesting that the CFPB ensure the consumer reporting agencies ( Equifax, Experian, TransUnion ) and any furnishers : Comply with FCRA 605B by blocking this information within 4 business days of receiving proper documentation Do not reinsert any of this information unless they comply with 611 ( a ) ( 5 ) ( B ) and provide me with written notice I also request a full investigation into any bureau or furnisher that fails to act in accordance with the FCRA. I am seeking relief for the emotional, financial, and legal burden caused by this ongoing identity theft. 

All evidence has been submitted, and this matter is time-sensitive. I request CFPB assistance in enforcing my rights and expediting removal of the fraudulent information.

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 2025-10-27 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: TN

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 XXXX 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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX and XXXX are credit card accounts that came off of my credit report but continues to come back after I disputed them. Please use consumer law 605B to block remove and permanently delete it from my credit report. From what I can see there is more than XXXX XXXX  account reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had difficulties with managing my account and transactions

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 2025-10-27 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: OK

Complaint narrative:
On XX/XX/XXXX I applied through the Affirm app for a Loan for XXXX XXXX XXXX. It asked for estimated cost and issued me a digital credit card for {$900.00}. 

On the same date of XX/XX/XXXX, I cancelled the booking with XXXX  due to conflict in dates of the cruise. They stated since it was done promptly, that they would issue a full refund that was charged which was {$820.00}, not the {$900.00} estimated and created on the digital card from Affirm. 

I then contacted Affirm on XX/XX/XXXX to notify them of the cancellation and full refund. They stated once it was refunded they would close this loan. 

On XX/XX/XXXX, affirm sent me an email notification stating the loan was confirmed for {$900.00}. I contacted them again on XX/XX/XXXX to inform them that XXXX only charged me {$820.00} and it had been totally refunded. 

They again stated that when they receive the fund that it will applied and completed. On or about XX/XX/XXXX, I noticed the app reflecting a balance due. 

I contacted Affirm and they stated that the refund had been applied prior to finalizing this loan and is creating an error. They stated they can not open the original loan to apply this extra money that was not used for the loan and would have to send over to their loan writers.

I have made a minimum of 10 calls over 5 months and spoke to customer service and managers that all try to open this loan to remove the unused funds, but I continue to get the same response that they can not do this, and that it will be escalated to get this corrected.

I still continue to get mails and texts asking for payment and the account reflect as 120 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit report includes collection accounts that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request that these accounts be reviewed, and if they can not be verified as accurate, removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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:
Dear TransUnion 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 - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-10-27 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: GA

Complaint narrative:
I was learning to trade and was using XXXX for XXXX purposes. I looked up one day and they said they are deciding to permanently close my account. I been having XXXX for over 5 years and never had any issues so XXXX not quite sure what happen but pretty much said they might give the funds back within 180 days and thats not fair thats the money I earned Ive reached out multiple times and now they wont tell to me. This happened XX/XX/XXXX when I received the money and the next day they closed it. I called to see what was going on and they said they emailed me about it which I was unaware of. So now they wont respond to me and they cant just steal my money I need help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: FL

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
on XX/XX/XXXX, someone impersonating a friend reached out to me in a state of emergency saying that they were stuck on the side of the road and needed {$230.00} for a tire for the tow guy, but that their phone was dead. They claimed to have been texting my phone from the tow guy to send the payment to his phone and that they, as in my friend, would send the payment back when their phone cut on. Being that I thought my friend was in XXXX, I didnt think twice about it and sent her the funds. After I sent the funds is when I realized the way that her messages were coming through that it did not sound like her and reached out to her phone to make sure that it was dead, and it was not. Therefore, I made the conclusion that they were fraudulent, and I tried to tell my bank about this where they then credited me the money that I sent, but then XX/XX/XXXX I received a letter that said that they would be taking the money back because I sent the money through a third-party company like 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 2025-10-27 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: MD

Complaint narrative:
I am submitting this complaint because Equifax Information Services LLC has refused to participate in legally binding consumer arbitration as required under the Federal Arbitration Act and the Equifax consumer agreement, while continuing to report inaccurate, unverifiable, and unauthorized information on my credit file. Despite repeated certified mail disputes and submission of notarized documents showing multiple inaccuracies, Equifax has failed to delete or verify the disputed items within the time allowed by law under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). The company has continued to publish this false and disputed information to third parties, causing ongoing harm to my credit reputation and financial opportunities. Equifaxs refusal to arbitrate constitutes bad faith and an unfair practice under federal consumer protection laws. I am requesting immediate CFPB investigation into Equifaxs willful noncompliance, enforcement of the arbitration clause, and full deletion of the disputed accounts and data that remain on my file without proper verification or authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-27 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:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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:
Dear TransUnion 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit report includes collection accounts that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request that these accounts be reviewed, and if they can not be verified as accurate, removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX my friend sent me {$50.00} dollars via Cash App. It was named XXXX. They flagged in for fraudulent activity. It froze my entire account including hers. We fought with Cash App for 3 months. Last week I received an email that stated that there was NO evidence of illegal activity and I violated no Cash App regulations. I tried to access my funds of {$270.00} dollars that has been sitting in my account and it still says due to fraudulent activity. I have called hundreds of times and they keep telling me no answers and just saying they are going to send it to a specialty team to email me. No one has ever emailed me. They are withholding my money with NO evidence of fraud activity. Which theyve stated themselves. I even asked them what was theXX/XX/XXXX to the new claim they had to now investigate after closing the other case and I was ignored by agents. As well as hung up on. My XX/XX/XXXXisXX/XX/XXXX

Company response to consumer: Closed with explanation