vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$380.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter is a formal dispute regarding the late payment inaccurately listed on my account. I have maintained timely payments without fail, and this entry is entirely false. The existence of this error has caused unnecessary harm to my creditworthiness and must be corrected without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: GA

Complaint narrative:
Since the summer of XXXX, there have been nine hard inquiries added to my Experian & transunion only on my credit report related to a car loan application. I did not authorize any HARD INQUIRES applications related to auto financing. I already have a car. This has been an on going issue for a year an two months of me trying to get them removed. 

In response to this, I placed a security freeze on all three major credit bureausTransUnion, XXXX, and Experian. XXXX have already removed these unauthorized inquiries after investigation. However, despite mailing three letters ( two this year and one last year ) to the address provided ( XXXX XXXX XXXX, XXXX, PA XXXX ), the inquiries still remain on my TransUnion report. And sending letters to Experian Experian Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX Given the number of data breaches that have occurred in the past year, I believe my information may have been compromised. However, I want to emphasize again that these inquiries were not authorized by me, and I respectfully request that they be removed from my credit report immediately.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 2025-08-27 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 am writing to formally dispute a late payment that has been reported inaccurately on my credit file. My payment history shows consistent timeliness, and the reported late payment is not supported by factual records. This error not only undermines the accuracy of my report but also misrepresents my financial integrity.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I disputed a an unverified and unvalidated bankruptcy on my credit report with TransUnion. Within less than 24 hours the results of the investigation were stated that the information was accurate and verified with the company ) creditor. Due to being a victim of identity theft and accounts being created in my name, I have frozen all my credit reporting accounts with all agencies and their subsidiaries. I have purchased a credit monitoring service and have disputed all prior and recent inaccurate information due to my social security number and private financial information being compromised. TransUnion has not verified or validated the information I have disputed, they have only referred to my last request for my credit profile and closed the investigation. 
In accordance with the Fair Debt Collections Act and the Fair Dept Reporting Act, TransUnion must verify and validate all information with the original source and creditor of all information they report on consumers credit reports which they have failed to do.

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 2025-08-27 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: Winklevoss Exchange LLC
State: NY

Complaint narrative:
b'About 2 1/2 years ago, I changed my cell phone number and my email account when I try to update it. I wasnt able to. Ive been working on getting my account back from Gemini for about 2 1/2 years. I recently submitted my Social Security number my ID and my new number and my new email. I havent heard back from them and its been over a month. I really need the funds back. it was over XXXX in the account which grew into XXXX. I really need help getting the account back. Thank you.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In XXXX I ask for no more overdraft fees. I did the over the phone approval. 

I have XXXX children 10 and under and fell behind in XXXX trying to enjoy summer. 

Early in the month I have received ( 5 ) multiple over draft fees. I should not have w this happen but called and was told no one can help remove the fees. Nothing can be done. 

After making changes and new plan to get back on track, I find my account now negative again and wil a new batch of fees. 

Im at {$3500.00} in fees for XX/XX/year>, beyond ridiculous and feels like a scam. Please help! Please. I just want the fees returned and I will be happy and never be in this situation again.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing a late payment reported on my account that is inconsistent with my verified payment history. All payments were made on time, and the reporting of this false entry is both misleading and damaging to my credit profile.

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 2025-08-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Social XXXX Return Requested To : FAIR COLLECTIONS & OUT XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX Re : Cease & Desist Notice & Validation Demand under 15 U.S.C. 1692c ( c ), 1692g ( b ) Account No. : XXXX To Whom It May Concern : This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ) that you immediately cease all communication with me regarding the above-referenced account, pursuant to 15 U.S.C. 1692c ( c ).

Further, under 15 U.S.C. 1692g ( b ), you are required to provide full validation of the alleged debt if you intend to continue collection or report to any consumer reporting agency. Merely providing a generic statement, billing history, or unsubstantiated verification does not satisfy this requirement.

Specifically, you must produce : 1. A copy of the original signed contract or agreement creating the debt ; 2. A complete account history, including all charges, payments, interest, and fees ; 3. Documentation establishing your legal standing to collect, including chain of assignment from the original creditor to your agency ; 4. Proof that the alleged debt is still enforceable under applicable statute of limitations.

If you fail to produce these documents, any claim that the debt is verified will be considered incomplete and misleading, in violation of 15 U.S.C. 1692e and 1692g. Continued reporting of unverified information to credit reporting agencies also violates the Fair Credit Reporting Act, 15 U.S.C. 1681s-2.

If you can not provide full validation as described, you must immediately request deletion of this tradeline from all consumer reporting agencies ( XXXX XXXX XXXX XXXX ). 

Be advised that failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General, and I will pursue all civil remedies including statutory damages, costs, and attorneys fees. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: IL

Complaint narrative:
I am the victim of a data breach that exposed my personal and financial information. As a result, my credit file contains inaccurate and fraudulent items that do not belong to me. These errors have created an unfair and harmful picture of my credit history. I respectfully request that the following be investigated and permanently removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

Hard Inquiries Not Associated with Open Accounts Equifax : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) Experian : XXXXXXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX Bank XXXX ( XX/XX/XXXX ) TransUnion : XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX Bank XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) Incorrect Names The following name variations are not my legal or correct name and should be deleted from my file : 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 The following addresses are incorrect and should be deleted to prevent further identity confusion : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ; XXXX XXXX XXXX Ct, XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Incorrect Employers The following employers XXXX not correct XXXX be removed from my report : XXXX XXXX ; XXXX XXXX XXXX System ; Healthline Media ; XXXX XXXX The presence of these inquiries , the inaccurate personal information are the direct result of identity theft and data breaches outside of my control. They do not reflect my true financial behavior or history. Because they are unverifiable and misleading, they should not remain on my credit record. 

I respectfully request that these erroneous items be removed from my credit file so that it accurately reflects my identity and creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
These accounts must be resolved within 15 days in compliance with USC 1681g due to errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Had a debt with XXXX XXXX not with LVLN funding Llc. I never had account with them the debt was paid which made capital one release me of payment. XXXX XXXX I never had debt to them I believe its fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. The XXXX XXXX XXXXXXXX account appearing on my XXXX XXXX  consumer report does not belong to me and was fraudulently opened/used without my authorization. I dispute the accuracy and completeness of this information and request that it not be considered as part of my legitimate credit or banking history. '' Instruction : Please attach this consumer statement to my XXXX XXXX consumer file in accordance with the Fair Credit Reporting Act ( FCRA 611 ( b ) ).

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 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
I have a credit card with Destiny. I paid the balance to XXXX. I moved and had to change my address for all my cards. I lost my Destiny card. I requested a new card to my new address which they sent. They have now blocked me from using the card until I supply a photo ID which they make impossible to submit. They claim they sent a letter stating unusual change of address. People move all the time, how is this unusual. They are now saying they are going to block my access to the card for 5-7 days after receiving my ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
During XXXX of 2025 I disputed several Items on my credit report at all three bureaus. XXXX  and XXXX  corrected the issues entirely. Equifax is refusing to delete old accounts that are past 7 years and even worse confirming accounts are mine where I was only an authorized user. They come back with account is yours, where it clearly listed that I was an authorized user and have no financial responsibility for the account and am legally allowed to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: BSI Financial Holdings, Inc.

Complaint narrative:
Numerous calls, beginning in XXXX2025 on the receipt of statements, showing late charges of {$740.00}, which iis totally incorrect. Never previously received any info about any late payment, or would have contacted earlier, hence the large incorrect amout My basic mortgage is {$330.00} with the remainder always having gone to the principal. 
XXXX statement, shows the {$160.00} going towards charges instead of principal .without authorisation!! 
All these charges need to be reversed.An email was senton XX/XX/scrub> 2025, and no response in any form!! My financial advisor at XXXX XXXX and myself attemped calling this week, again no response at all .Advised to contact you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: GA

Complaint narrative:
I have a debt collection from the XXXXXXXX XXXX in XXXX ga that I never knew anything about neither did I live out there. Ive been living at my home address for years. This is false information and need to be cleared off of my account immediately. I cant and will not pay anything that Im not responsible for.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
credit card bill. The payment was successfully debited from my XXXX XXXX  XXXX account, and I received confirmation of the transfer. However, Capital One returned the payment and did not apply it to my account. 

As a result, Capital One treated my account as unpaid and charged me a late fee. I contacted both XXXX XXXXXXXX XXXX and Capital One. XXXX XXXX XXXXXXXX provided me with documentation showing that the payment was sent to Capital One on XX/XX/year>, but Capital One still refused to apply the payment. 

This situation has caused me financial harm because Capital One failed to properly process my payment, kept the funds temporarily, and then added unfair late fees. 

I am requesting that Capital One correct this error, properly apply my payment, and remove all late fees and any negative consequences related to this issue. Supporting documents from XXXX XXXX XXXXXXXX confirming the payment are available and can be provided upon request.

Company response to consumer: Closed with explanation