vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC XXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

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 2025-06-02 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: PA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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 explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: WA

Complaint narrative:
I recently submitted a dispute and complaint on Credit Karma Money Spend Account. I provided all documentation including Police report. Within 36 hours they declined my dispute. So I have had to request to appeal my dispute over 4 times, all are denied within hours. No rep is taking the time to investigate and or ask for new findings. I am enclosing some transaction history and as you see Ck would decline my everyday purchases under usually, flag account and I would have to call to verify and then still nable to use it at that location. This has happened over 10 times within the 2 months. Whoever is in my XXXX XXXX account has access to this banking card as I use it digitally. I informed ck of this and they still request information. I disputed with XXXX XXXX as well and they have declined my dispute. I feel both businesses need to be further investigated as This happened in XXXX with both accounts and again were denied. I never recieved the car and dont have possession of the vehicle purchased on that dispute, and both denied dispute of over XXXX. Again same relation it was right after I recieved my XXXX taxes and now this one is my XXXX taxes. They have not properly protected my account either time. This is alot of money to me especially cause i no longer work and in school full time, therefore I live off these funds. also this upload would not allow me to upload my transaction history photo by photo, i can email them if need be. These photos assist me in my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the 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, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. 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 as proof from the US 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 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XX/XX/XXXX I bought liability insurance for a vehicle I was looking to purchase from XXXX XXXX. XXXX, TX. 

I never took possession of vehicle because the XXXX XXXX XXXX was less than forth coming about true condition of said vehicle XXXX XXXX XXXX sitting on lot. 

I have sent several times the email sent from Dealer stating this. 
Bank claims they haven't received it. 
When I spoke with XXXX insurance they say they paid XXXX of the XXXX i paid to begin a insurance policy that was not needed I contacted insurance company earlier on my knowledge of what was transpiring. 

I contacted wells Fargo and filed claim on XXXX XXXX with NO provisional credit given. On XX/XX/XXXX i received an email notifying that the claim was paid and XXXX had been restored to my account. 
Wells is trying to say they gave me a provisional credit of XXXX - XXXX days later after claim filed.. 
I have recorded insurance company said they paid claim. 

I also have pos transactions that wells Fargo allowed to process with no money in my account. I do not have overdraft protection. I was denied odp when I inquired about it years ago. 

At XXXX time you could see online Banking reads FORCED PAID claim. 
Because this is not the first time claim has been paid but not applied to accept! 
I have forced their hand many times to show XXXX than honest business 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 monetary relief
Consumer complaint received 2025-06-02 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:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-06-02 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-02 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: MN

Complaint narrative:
I hope you're well. I'm reaching out with a very clear and serious request regarding my account. Please certify that every single piece of data associated with this account belongs to me and no one else. I need your full assuranceno vague confirmations or partial answers.

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 2025-06-02 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: PA

Complaint narrative:
Subject : Dispute of Inaccurate Credit Information Under the Fair Credit Reporting Act ( FCRA ) Dear Credit Bureaus, I am writing to formally dispute an inaccurate item on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), I request that you investigate and correct the following error. 
Disputed Item : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Issue : XX/XX/XXXX Description of Error : " This account is not mine, '' I am a victim of identity theft I have attached copies of supporting documents. These documents support my claim that the reported information is incorrect. 

Disputed Item : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Issue : XX/XX/XXXX Description of Error : " This account is not mine, '' I am a XXXX of identity theft I have attached copies of supporting documents. These documents support my claim that the reported information is incorrect. 

Disputed Item : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of XXXX Description of Error : " This account is not mine, '' I am a XXXX of identity theft Disputed Item : Creditor Name : XXXX XXXXXXXX Account Number : XXXX Date of Issue : XX/XX/XXXX I have attached copies of supporting documents. These documents support my claim that the reported information is incorrect. 
Under the FCRA, you are required to investigate and respond within XXXX  days. Please correct the error and provide me with an updated copy of my credit report. If you are unable to correct the inaccuracy, please provide a detailed explanation of your findings. 
If the inaccurate information is not corrected, I am prepared to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 
Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a written response at your earliest convenience. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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 debt collector engaged in XXXX, XXXX, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
on or about XXXX XXXX XXXX I was scammed by an online scammer. she convinced me to transfer {$30000.00} from my USAA account to a fraudulent cryptocurrency platform via two intermediary cryptocurrency wallets. subsequently I contacted USAA and asked them to recall the funds pursuant to the instructions from the FBI. pursuant to the same instructions I also insisted that USAA sends a hold harmless letter to the receiving Bank. FBI had indicated that this hold harmless letter is extremely important and must be issued by the sending Bank to the receiving Bank. USAA Bank stated that it was not their policy to issue hold harmless letters. the recall was unsuccessful. I once again attempted a recall and I emphasized that I was instructed by the FBI to ask for a hold harmless letter. once again I was told it was not the policy of USAA to issue hold harmless letters. i reemphasized that it was instructions from the FBI to issue hold harmless letters and that at least one other bank had followed those instructions and we were able to successfully recall the funds. unfortunately my requests fell on deaf ears for the second time. I am now filing this complaint with the hopes that USAA will comply with industry standards and issue a hold harmless letter and send together with a recall demand to the receiving Bank.

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 2025-06-02 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: PR

Complaint narrative:
I am disputing the reporting of an account that is still updating month through month, despite having been closed. This inaccurate reporting is misleading and may negatively impact my credit profile. Under the California Consumer Credit Reporting Agencies Act ( CCRAA ), Civil Code 1785.16, credit information must be accurate and complete. I am requesting that this account be promptly deleted. Since XX/XX/XXXX the account was voluntarily surrendered, and it's still updating to the month of XX/XX/XXXX. This violates my right as a consumer. 

Account XXXX XXXXXXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: PR

Complaint narrative:
I am disputing the reporting of an account that is still updating month through month, despite having been closed. This inaccurate reporting is misleading and may negatively impact my credit profile. Under the California Consumer Credit Reporting Agencies Act ( CCRAA ), Civil Code 1785.16, credit information must be accurate and complete. I am requesting that this account be promptly deleted. Since XX/XX/XXXX the account was voluntarily surrendered, and it's still updating to the month of XX/XX/XXXX. This violates my right as a consumer. 

Account XXXX XXXXXXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
My XXXX loans within MOHELA are currently accumulating interest even though I am in general forbearance due to being on the XXXX Plan. Per direction from MOHELA themselves ( via emails and letters ), I should have a 0 % interest rate on all of my XXXX loans, however XXXX of them are listed as having a 5 % and a 7 % interest rate. Interest should not be accumulating. 

Due to the XXXX forbearance, I am not able to make payments on my loans, and interest is accumulating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc.
State: TX

Complaint narrative:
I received a SMS collection notice from First Credit Services , Inc. regarding a debt owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$310.00}. I looked up XXXX XXXX and called them regarding this collection. They were not able to provide me any information regrading the account or collection and instructed me to open a police report, then email them the report number at XXXX- which I will complete after filling this out. They confirmed the debt is for a residential utility service in the XXXX Texas area, but were unwilling to provide any other information despite my willingness to provide my Name, DOB, and verify my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: IL

Complaint narrative:
I'VE RECIEVED A COPY OF MY CREDIT REPORT AND NOTICED IT HAS SEVERAL INACCURACIES AND UNAUTHORIZED ACCOUNTS/INFORMATION REPORTING TO MY CREDIT REPORT. THIS IS LIKE MY 3RD TIME ASKING THE CREDIT BUREAUS, TO REMOVE THESE INACCURATED 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 2025-06-02 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: CA

Complaint narrative:
I have recently become aware of unauthorized accounts due to a data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request the immediate blocking and deletion of the following accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX, Date Opened : XX/XX/XXXXXXXX Balance : {$0.00} Inquiries XXXX Date : 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 2025-06-02 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:
I have recently become aware of unauthorized accounts due to a data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request the immediate blocking and deletion of the following accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX, Date Opened : XX/XX/XXXXXXXX Balance : {$0.00} Inquiries XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX XXXX XXXX and a XXXX-party debt collector ( [ LVNV FUNDING LLC XXXX XXXX regarding a credit card account that was allegedly sold and is now being collected and/or reported on my credit file. 

Dispute Summary : Account Sold Without Proper Notification or Validation XXXX XXXX XXXX reportedly sold the account to [ LVNV FUNDING LLC ], but I never received proper notification of the sale or a right-to-dispute notice under the Fair Debt Collection Practices Act ( FDCPA ). I have requested validation from the debt buyer, but they have failed to provide proof that they own the debt or that I owe the claimed amount. 
Duplicate or Misleading Credit Reporting The account is still being reported by both XXXX XXXX Bank and the debt collector, or is being inaccurately re-aged. This practice is misleading and appears to violate the Fair Credit Reporting Act ( FCRA ). Once sold, XXXX XXXX should no longer report a balance. 
No Proof of Ownership or Assignment The collector has failed to produce documentation that shows a complete chain of custody or assignment proving legal ownership of the debt. Without this, I believe continued collection efforts and credit reporting are unlawful. 
Credit Harm and FDCPA/FCRA Violations This unresolved issue is causing significant damage to my credit profile, and I believe both XXXX XXXX XXXX and the collector are in violation of the FDCPA and FCRA by continuing to report and pursue the debt without proper validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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 were created without my knowledge or consent, and I should not be accountable for them. I urge you to take swift steps to correct this matter.

Company response to consumer: Closed with explanation