vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 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: GA

Complaint narrative:
As a result of a data breach, my credit report now contains fraudulent accounts. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting they be blocked and removed 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 XXXX XXXX  XXXX delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd

Complaint narrative:
I am filing this complaint because I initiated a transfer of funds using Wise ( formerly TransferWise ) from my XXXX credit union account to my personal bank account in XXXX. The transfer was initiated on XX/XX/year>, in the amount of {$2700.00} USD, for a conversion of XXXX XXXX. As of today, XX/XX/year>, the funds have still not been received in my XXXX bank account. 

I have contacted Wise multiple times to request assistance and an explanation. They have acknowledged that the funds were successfully withdrawn from my XXXX account and that the delay is due to a partner bank facing technical issues. While Wise has been cordial and professional in their responses, they have not provided a specific or reasonable timeline for resolutiononly requesting that I allow an additional five business days to resolve the issue. 

For context, I have completed numerous previous transfers using Wise from the same XXXX credit union account to my XXXX bank account, and those transfers have typically arrived within minutes or even seconds. This current delay of over 12 calendar days is highly irregular and has caused significant inconvenience. 

To assist in resolving the issue, I have provided Wise with supporting documentation, including a statement from my XXXX bank account confirming that the funds were debited, and a statement from my XXXX bank account confirming that the funds were never received. Despite this, the matter remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AR

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
I was a victim of fraud multiple time, lost at least XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My credit union, XXXX XXXX, uses Transunion reporting for credit scores and gives me access to that info. My wife passed away in XXXX of 2023 and the only credit card we had was at XXXX XXXX XXXX, a card she had when we got married, I had a card on that account too. That card had not been used in YEARS but XXXX kept it open with an {$18000.00} credit limit. My credit score has been XXXX for months now. XXXX notified me that if I did not use the card it would be cancelled ( I informed them of my wifes passing, they kept my card open ). So I told them I had no reason to use the card, XXXX XXXX, on social security and do not purchase a lot of frugal things on credit. The only loan I have is at my credit union on my truck. My house is paid off and the only other bills I have is utilities and Veterinarian bills for my dog, my Doctor copays and medicare costs. XXXX cancelled that credit card for non use and Transunion dropped my score from XXXX excellent to XXXX good. 
I ran their simulator to see how it would affect my credit score if I got a credit card at my Credit union. A card with a {$5000.00} limit only raises my score XXXX points and moving the limit to {$18000.00} only moves it a point for every {$3000.00} or so. They do not count any of my utility bills that are paid on time every month. It seems counter productive and really a big scam the way the reporting agencies hold it against me for NOT being in debt. Something needs to be done about this. If you have a low score just from not being in debt, you get punished with high interest cards that forever put you in debt and risk. The reporting agencies want me to sign up and pay a fee for them to monitor my utility bill payments and count those towards the score? So, get head over heels in debt to get a decent credit score to get decent terms on loans. That alone should be against the law. It ENCOURAGES people to get into debt they can not pay back, then onto the reporting cycle etc etc.

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 2025-05-26 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-26 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: Grey Inc

Complaint narrative:
I have deleted my authenticator app for the 2-factor-authorization. Therefore I can not access my account. 

For 3 days now I had to provide selfies with my passport and a handwritten date on a piece of paper, but still they have not given me the chance to access my account. 

How hard can it be to check that? 

It's a mistake that can happen, but I can not be without access to my account for such a long time. Unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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:
Following a data breach that compromised my personal information, fraudulent accounts have been reported on my credit file. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I request that these accounts be blocked and removed 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 TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} Inquiries XXXX  XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: PA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2025-05-26 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-26 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting a reinvestigation into multiple items appearing on my credit report, as they are either fraudulent or inaccurately reported. Several accounts listed are not mine. I did not authorize, open, or benefit from them. These items appear to be fraudulent, and I have not received any disclosures, billing statements, or signed agreements as required under the Truth in Lending Act ( TILA ) and the Fair Credit Billing Act ( FCBA ). Under the Fair Credit Reporting Act ( FCRA ) 611, I request a detailed reinvestigation and disclosure of the verification process, including the identity of the furnisher. 

Additionally, an active account is being reported with a late payment status, which is factually incorrect. I have made timely payments, and this inaccurate reporting violates FCRA 623 and the DoddFrank Acts prohibition against deceptive practices. This negative reporting misrepresents my creditworthiness and causes substantial harm.

I request a manual, factual-based reinvestigation, not an automated E-OSCAR response. Under FCRA and CFPB guidelines, furnishers and credit bureaus are required to conduct a reasonable investigation and correct or delete inaccurate information. I expect updated reporting and full compliance with the legal timeframes outlined in FCRA.

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 2025-05-26 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 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 Affidavit 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 2025-05-26 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: TX

Complaint narrative:
Subject : Formal Request for Reinvestigation Second Dispute Notice ( FCRA 1681i, 1681s-2 ( b ), Metro 2 Compliance ) To Whom It May Concern, This letter serves as a formal SECOND dispute notice regarding inaccurate, incomplete, and unverifiable derogatory information appearing on my Experian credit file. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable reinvestigation of any disputed item, and under 1681s-2 ( b ), data furnishers must ensure accuracy and completeness when reporting to consumer reporting agencies.

Your prior investigation was insufficient and failed to correct or remove accounts that are in violation of both federal consumer law and Metro 2 data formatting standards. Below is a detailed list of each account being disputed :

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 2025-05-26 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: TX

Complaint narrative:
Subject : Formal Request for Reinvestigation Second Dispute Notice ( FCRA 1681i, 1681s-2 ( b ), Metro 2 Compliance ) To Whom It May Concern, This letter serves as a formal SECOND dispute notice regarding inaccurate, incomplete, and unverifiable derogatory information appearing on my Experian credit file. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable reinvestigation of any disputed item, and under 1681s-2 ( b ), data furnishers must ensure accuracy and completeness when reporting to consumer reporting agencies.

Your prior investigation was insufficient and failed to correct or remove accounts that are in violation of both federal consumer law and Metro 2 data formatting standards. Below is a detailed list of each account being disputed :

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 2025-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
While I was on vacation, I received a Citibank credit and debit card in the mail around XXXX of last year. I unfortunately did not have the time to look into that matter as I had recently come back from vacation, and my mail had piled up. I had set this card to the side since I expected it to be a credit card offer from Citibank or a sales tactic. After multiple attempts by Citibank to get me to activate my credit card, I got suspicious and I contacted them and found out I had requested these cards when in fact I did not. I told them to close the accounts on XX/XX/XXXX. I was at work and went to get coffee, but my debit card had been declined. I got a message saying insufficient funds on my XXXX XXXX XXXX  card. My XXXX XXXX account had withdrawn roughly {$10000.00} from my checking account. I was able to immediately get this problem handled as I had just been notified of the fraudulent charges, as well as remove the two debit cards that were created in that account without my knowledge. I had believed that my situation was resolved. However, when I looked at my credit bureau, XXXX, I found that I had a Citibank account under my current credit cards with a balance of {$33000.00}. I immediately contacted Citibank as soon as I was informed of the debt. I have now contacted them three times in the month of XXXX, and each time I have gotten a statement in the mail stating that I am responsible for the account. I have taken the necessary steps to notify the FTC of my identity theft, as well as creating a police report that I will obtain this week. Even though I had confirmed with Citibank that the e-mail that was utilized in the creation of this account had absolutely no connections to me, including the use of my old phone number that was changed in XXXX of last year, they have decided to pursue me. Furthermore, in their letter, they state that I received a benefit from a transaction or payment made on the account, which is false. I received absolutely no benefit financially or in relation to my credit score, which has actually been negatively affected. They state that on their records, a personal identification number for the card was mailed to an address that belongs to me, however, I never used any of the cards at any point, which should be traced with IP addresses or bank accounts. I need assistance with this matter as soon as possible. 
Thank you, 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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
As a result of a data breach, my credit report now contains fraudulent accounts. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting they be blocked and removed 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 Address : XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$15000.00}

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 2025-05-26 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:
As a result of a data breach, my credit report now contains fraudulent accounts. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting they be blocked and removed 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 Address : XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$15000.00}

Company response to consumer: Closed with non-monetary relief