vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: AR

Complaint narrative:
I submitted a dispute to 3 Credit Bureaus under FCRA 611 ( 15 U.S.C. 1681i ) regarding several inaccurate entries on my credit report. I provided comprehensive supporting documentation, including FTC Report # XXXX, to demonstrate that these items are erroneous and do not belong to me. Despite this, 3 Credit Bureaus failed to conduct a timely or adequate reinvestigation within the required 30-day period. The following items remain unresolved on my credit report : Charge-off accounts : XXXX XXXX XXXX Balance : {$420.00} ; XXXX  Balance : {$7500.00} Collection account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$63.00} Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing a fraudulent account that has been inaccurately reported on my credit file. I have no connection to this account, never authorized it, and have never used it in any capacity. Its presence is misleading, false, and damaging to my financial standing.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Consumer Name : XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax, and Experian 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. These are the fraudulent, inaccurate, and false information ; 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-08-26 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: NJ

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for failing to comply with the Fair Credit Reporting Act ( FCRA ). I submitted to Equifax all documentation required under 15 U.S.C. 1681c-2 ( FCRA 605B ), including proof of my identity, a valid FTC Identity Theft Report, and identification of the fraudulent account to be blocked. Instead of blocking the fraudulent information as required within four business days, Equifax sent me a letter stating it is not blocking the information and will instead contact the furnishers. This response is a clear violation of FCRA 605B, which mandates blockingnot reinvestigationonce the required documentation is provided. By refusing to comply, Equifax has allowed fraudulent information to remain on my credit file, causing ongoing harm to my creditworthiness. I request that the CFPB order Equifax to immediately comply with federal law by blocking all identity theft-related information I identified, provide written confirmation of the blocking, and take corrective measures to ensure it does not continue substituting creditor contact in place of its statutory duty to block fraudulent information. XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed two inaccurate items with Experian : a bankruptcy that does not belong to me, and a separate account that is only being reported by Experian. I have submitted multiple disputes, but Experian continues to report these items, even though they are not mine.

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 2025-08-26 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: AZ

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The two credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. Under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) and 607 ( b ), I am exercising my right to request a full reinvestigation into this item, as I believe the information being reported may be inaccurate, incomplete, or unverifiable. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account below. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: CO

Complaint narrative:
I didn't authorize or make the ATM withdrawal at XXXX XXXX  on XX/XX/XXXX under the description " XXXX XXXX '' for {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
DUE TO CAPITAL ONE ONGOING XXXX XXXX  REVOVING AROUND THE KOHL 'S CAPITAL ONE CREDIT CARD CUT OFF DUE TO CAPITAL ONE AND XXXX  CREDIT BUREAU INSIDE FRAUD I CAN PROVE. THAT RESULTERED IN THAT CARD BEING CUT OFF DUE TO XXXX  AND CAPITAL FRADULENT BUSINESS PRACTICE. I HAVE NO REASON TO LIE CAPITAL ONE XXXX  HAVE {$300000.00} REASONS TO LIE. I DECIDED TO NOT TRUST CAPITAL ONE FOR SENDING LETTER OVER NIGHTED AT THE SAME ADDRESS THAT CAPITAL ONE STATED IS FRAUD, I LIKE TO REQUEST A COPY OF THE FRAUD COMPLINT THAT CAPITAL FILED BEICAUSE I FILED OVER 8 OR MORE. KEEP IN MIND CAPITAL XXXX XXXX XXXX THE PHONE CALL ARE RECORED. 

OUT OF RETALIATION XXXX EATING XXXX AND CAPITAL ONE REPORTED TO XXXX XXXX  THAT I MISSED A XXXX PAYMENT ON THE CREDIT CARD FAILED TO NOTE THE ONGOING XXXXXXXX XXXX AND CAPITAL ONE AVOINDING FULL CONTACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: GA

Complaint narrative:
XXXX XXXX, ( XXXX ) XXXX, ( Date of Birth ) XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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. This fraudulent, inaccurate, and false information consists of XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate.

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC Number ) XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: AR

Complaint narrative:
A furnisher has reported false information to the credit bureaus in violation of FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), which prohibits reporting information known to be inaccurate. Despite being notified of the error through my dispute, the furnisher continues to verify the incorrect account as accurate, without providing evidence to support their claim. This has caused ongoing harm to my creditworthiness. 
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 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 non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am formally disputing a fraudulent account that has been incorrectly reported on my credit file. I want to emphasize that I never authorized, opened, or used this account in any form. Its presence is false and continues to harm my credit report and financial reputation.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX -Balance {$3700.00} Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX -Balance {$2600.00} Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: NJ

Complaint narrative:
I am very frustrated because inaccurate accounts are showing up on my credit report again today, and I have no idea why. When I checked, I expected everything to be fine, but instead, I saw discrepancies that shouldnt even be there. I refreshed my browser multiple times to see if it was just an error, but the accounts did not go away. I need this issue resolved immediately, and I want the documents I sent to be carefully reviewed so I dont have to deal with this stress anymore.

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 2025-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I got an email late at XXXX/very early in the XXXX  saying they were closing my account. Supposedly I did something against the rules. All I've done is send and receive money since opening the account and buy crypto currency. I've had the account and never had an issue before.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I made a final car payment of {$26000.00} that was delivered electronically from XXXX  XXXX XXXX to Wells Fargo on XX/XX/XXXX. That payment is not showing, when I called Wells Fargo they wont state anything beside back office processing- they will not confirm the payment or when it will apply to my account and theyre charging me interest daily. The money was confirmed delivered from XXXX  XXXX XXXX electronically with confirmation on XX/XX/XXXX. Wells Fargo is stealing my money and not communicating

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 2025-08-26 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: OFG BANCORP
State: PR

Complaint narrative:
Subject : Formal Complaint Update Account Frozen After Funds Returned Dear CFPB Team, I am writing to provide an urgent update regarding my case [ Insert CFPB Case Number ]. 

On XX/XX/year>, I reported unauthorized transactions originating from XXXX. The case was referred to corporate security the same day. On XX/XX/year>, the funds were credited back to my account. 

However, my account remains frozen by XXXX XXXX XXXX at Oriental Bank under the justification of an ongoing investigation, denying me access to my funds despite the crediting of the returned funds. 

I have formally requested from the bank : 1. A written explanation of the legal and regulatory basis for the continued account freeze.

2. A definite timeline for completion of the investigation and restoration of access to my funds.

3. Contact information for the regulatory authority governing this action.

Under the Electronic Fund Transfer Act ( EFTA, Regulation E, 12 C.F.R. Part 1005 ) and related consumer protection laws, I am entitled to timely access to my funds and clear information regarding any restrictions. 

I am requesting CFPB intervention to ensure prompt access to my funds, full disclosure from the bank, and transparency in this investigation. 

Thank you for your immediate attention to the matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX XXXX XXXX XX/XX/2025 To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Cease and Desist / Debt Dispute Account XXXX ( Portfolio Recovery Associates ) Dear Sir/Madam, I am writing regarding the account referenced as Portfolio Recovery Associates XXXX account XXXX. I formally dispute the validity of this debt and request that all collection activities cease immediately.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I am requesting : 1. Verification of the debt Please provide documented proof that I am legally obligated to pay this debt.

2. Cease of communication Until the debt is verified, I request that all collection efforts, including phone calls, letters, and any other forms of communication regarding this account, stop immediately. 

Please be advised that any further attempts to collect this debt without proper verification may constitute a violation of federal law. I request written confirmation that you have received this letter and that my dispute and cease-and-desist request have been noted. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Consumer Name : XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, and XXXX  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. These are the fraudulent, inaccurate, and false information ; Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX  XXXX, Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief