vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: NV

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-25 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:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 
1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXX FL XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} IXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: NY

Complaint narrative:
XX/XX/year> I have emails of my former cell phone provider XXXX that indicate that a charge was waived and I was instructed that I do not owe this charge. Since then I received a larger bill than the original amount. I called XXXX and they agreed with me that there was been a mistake and I do not need to pay and the amount was waved. 
I get another bill for XXXX in the mail, a third bill, stating i owe this higher charge and the keep changing the dates of when it is owed. I called and this time had a very difficult time reaching someone because my account is closed. I got someone to look into my matter and explained that i do not owe a bill and was asked to be placed on hold. I was being informed that i would be waiting on hold at the XXXX call center to speak to a manager. When i am taken off hold I am informed that I have been transferred to AFNI to someone named XXXX ID # XXXX and informed I am in collections. In spite the XXXX bill does not state it is past due, that in fact I have until XX/XX/year> to pay the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CO

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: CO

Complaint narrative:
Home Depot Credit Card was open in my name using my Social Security Number but not my address because this guy wanted the physical card. This person who stole my identity then racked up almost {$1400.00} on this card back in XXXX. I got my first statement in XXXX and called immediately to report that I did not open this card. They said it has been escalated and to not worry. I have gotten a phone call about once or twice a week since XXXX depending payment I tell them every time it is fraud. They say we will transfer you to the fraud department. The person then comes back on the line and says the fraud department is closed here is the number. When I call the fraud department they answer and say we can not hear you and hang up or it is closed. I have filed two police reports and nothing is being done. ( XXXX ) XXXX has called me on... 
XX/XX/year> twice XX/XX/year> once XX/XX/year> once XX/XX/year> once XX/XX/year> three times the rest of my phone records have been deleted. There were many more calls and if I do not get what I want listed in the fair resolution area I will have Citi Bank provide all phone records which will show the massive level of harassment. This is becoming criminal. I have two other credit cards with Citi Bank and never had a problem. Now a fraudulent third card has been open. Citi Bank did not bother to check that the address of this third card did not match my other two cards and allowed this to happen. If Citi Bank closes my other two cards than I will sue for more than what I asked for in the fair resolution. My credit score has been effected by this I can not get any loans now because of Citi Banks unprofessionalism and lack of security.

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 2025-06-25 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: VA

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 2025-06-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report three fraudulent account ( s ) appearing on my consumer FICO Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ending in XXXX  with a balance of {$5600.00}, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ending in XXXX  with a balance of {$6700.00}, and a credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ending in XXXX  with a balance of {$5000.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). All accounts above, collections, late payments, and charge-offs result from 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-06-25 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:
XXXX XXXX open a card in my name an I never had an account with them an I ask for it to be removed an they did nothing nor even investigate into the matter

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 2025-06-25 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: FL

Complaint narrative:
XXXX XXXX open a card in my name an I never had an account with them an I ask for it to be removed an they did nothing nor even investigate into the matter

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 2025-06-25 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I was home in Virginia and someone withdrew XXXX dollars from an atm in XXXX Washington and my debit card was in my wallet in Va

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: AL

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing a collection account being reported by XXXX XXXX XXXX on my credit report. The account is allegedly for a debt with XXXX XXXX, listed at {$2300.00}, with an open date of XX/XX/year>. 

I have not received any written validation of this debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I do not recognize the debt, and believe the account may contain inaccurate, outdated, or unverifiable information. 

I am requesting that this account be fully validated or removed from all credit reporting agencies ( XXXX, TransUnion, XXXX  ). Until this is resolved, I also request that XXXX XXXX cease all collection activity. 

Please investigate and have the furnisher provide proper documentation or delete the item from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing a collection account being reported by XXXX XXXX XXXX on my credit report. The account is allegedly for a debt with XXXX XXXX, listed at {$2300.00}, with an open date of XX/XX/year>. 

I have not received any written validation of this debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I do not recognize the debt, and believe the account may contain inaccurate, outdated, or unverifiable information. 

I am requesting that this account be fully validated or removed from all credit reporting agencies ( XXXX, XXXX, Experian ). Until this is resolved, I also request that XXXX XXXX cease all collection activity. 

Please investigate and have the furnisher provide proper documentation or delete the item from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
I, XXXX XXXX, am formally reporting that I am a victim of identity theft. Multiple accounts have been fraudulently opened in my name without my authorization. These unauthorized accounts have negatively impacted my credit score and financial reputation. 

I did not apply for credit, authorize services, or sign agreements with the companies listed below. These accounts were established using my identity without my knowledge or consent. 



3. Fraudulent Accounts Identified Credit Card Fraud Company : XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraudulent Amount : {$350.00} Company : XXXX XXXX  Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date XXXX  : XX/XX/XXXX Fraudulent Amount : {$2400.00} XXXX XXXX XXXX XXXX : XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraudulent Amount : {$960.00} Company : XXXX XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraudulent Amount : {$460.00} Utility Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraudulent Amount : {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraudulent Amount : {$13000.00} Fraudulent Information on Credit Report Yes, fraudulent accounts and charges are currently appearing on my credit report. 

Additional Details Previously Unknown Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Employment Listed : XXXX, XXXX, XXXX  XXXX  Unauthorized Credit Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX Declaration Under penalty of perjury, I declare that the information provided in this report is true and correct to the best of my knowledge. I understand that knowingly making false statements may result in criminal prosecution and penalties. 

Signature : XXXX XXXX XXXX : XX/XX/XXXX 2025

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 2025-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MA

Complaint narrative:
Payment for {$200.00} made XXXX not on Mohela, but was withdrawn from bank. 
Payment for {$3300.00} made on XXXX not on Mohela, but was withdrawn from bank. ( there is a payment of {$7.00} on XXXX on Mohela, maybe a data entry error? ) Payment for {$200.00} made on XXXX not on Mohela, but was withdrawn from bank. I have been paying this amount through my bank for the last XXXX years. Not sure why it is not going through now. 

Me and my mom have called multiple times, uploaded proof of payment via bank statements and we were told they had XXXX business days to research and resolve from XXXX. Also called and they were supposed to expedite in 10 days and we could call back XX/XX/year>. 

We have called back multiple times and the request is still open. We were told today that it had to go to accounting but the supervisor couldn't tell us how much longer it would take and there is no one else we can talk to. She gave us this phone number. My account is now showing past due because the XX/XX/year> payment is not being reflected on my account. They do not respond to messages sent directly on the Mohela website and it takes hours to talk to anyone ( to just put a research request in ). 
Please help!

Company response to consumer: Untimely response
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

I have attached copies of my government-issued ID, utility bills, and Social Security card to verify my correct personal information. Please initiate a thorough investigation and remove or correct these errors immediately. Please confirm in writing once the corrections have been made.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report. 

Attached are documents supporting my claim, including a copy of my credit report with the disputed account highlighted, and proof of identity. Remove these fraudulent accounts and inquiries now. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''.

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 2025-06-25 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 was a Vitim of XXXX and i have been deputing with these company 's and they continue to violate my rights and ruining my life reporting false information on my report i am sending proof that they are reporting false information and not doing there job of investigating i also have proof that my information was leaked in there data breach and i have also attached my ftc reports

Company response to consumer: Closed with non-monetary relief