vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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: NY

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
To be absolutely clear : This is not my account. Ive never opened it, Ive never authorized it, and it belongs to someone else entirely. It has been incorrectly linked to my file, and I have no responsibility for it whatsoever. 

Whats happening here is a textbook case of a mixed credit file someone elses information is being lumped into mine, and its putting my financial credibility at risk through no fault of my own. I need this incorrect account completely deleted from my report, not updated or investigated indefinitely permanently deleted. This is not my debt, and there is no legal reason it should appear on 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 2025-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These debt collectors violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: MA

Complaint narrative:
That on XX/XX/year> while communicating with TransUnion 's representative XXXX XXXX, he helped me create an internal escalation complaint case number XXXX against the previous supervisors who mishandle my FCRA 605B Block request pertaining to identity theft. Over the course of XX/XX/year> to XX/XX/year>, each of the representatives at TransUnion 's Fraud Victim Assistant Department kept telling me that " we didn't receive your ID docs '' and that " the crime report was invalid '', even though when I spoke to XXXX and XXXX they told me they removed other fraudulent accounts with the same crime report. This has now been over 60 days passed the statutory time-frame of 4 business days that these two fraudulent accounts were supposed to be removed and blocked pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). That on XX/XX/year> I noticed two more fraudulent accounts and I called them again regarding the same info about being in violation of letting these items reappear. They told me the same excuse until I demanded it to be manually processed. On XX/XX/year> TransUnion sent an automated email from XXXX stating " we're still waiting for a response from your creditor ( s ) ''. This is another violation of the FCRA as willful and deliberate non-compliance by them purposely mishandling the identity theft block request as a regular 30-day dispute.

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 2025-06-14 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: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly.

XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$110.00}

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 non-monetary relief
Consumer complaint received 2025-06-14 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: VA

Complaint narrative:
To be absolutely clear : This is not my account. Ive never opened it, Ive never authorized it, and it belongs to someone else entirely. It has been incorrectly linked to my file, and I have no responsibility for it whatsoever. 

Whats happening here is a textbook case of a mixed credit file someone elses information is being lumped into mine, and its putting my financial credibility at risk through no fault of my own. I need this incorrect account completely deleted from my report, not updated or investigated indefinitely permanently deleted. This is not my debt, and there is no legal reason it should appear on 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 non-monetary relief
Consumer complaint received 2025-06-14 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: IL

Complaint narrative:
My Social Security Number was part of a data breach, and I believe this led to unauthorized use of my personal information. I did not give anyone permission to access or use my identity, but Ive since discovered unfamiliar accounts, hard credit inquiries, and other suspicious activity on my credit reports. These accounts and actions were not authorized by me. I believe I am a victim of identity theft as a result of this breach. I am filing this report to begin the process of protecting my identity, disputing fraudulent items, and clearing any damage caused.

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My Social Security Number was part of a data breach, and I believe this led to unauthorized use of my personal information. I did not give anyone permission to access or use my identity, but Ive since discovered unfamiliar accounts, hard credit inquiries, and other suspicious activity on my credit reports. These accounts and actions were not authorized by me. I believe I am a victim of identity theft as a result of this breach. I am filing this report to begin the process of protecting my identity, disputing fraudulent items, and clearing any damage caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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.

Complaint narrative:
I am writing to dispute a credit card account that been recently added to my credit report under the name XXXX XXXX services, with a balance of {$1100.00}. I would like to clarify that this account is not mine and appears to be a case of fraudulent activity. 

According to the information on my credit report, the account was opened on XX/XX/2019 but it has only recently appeared on my credit file. As soon as I noticed it, I contacted all three major credit bureaus to request an investigation and to have the account removed from my report and yet it still remains. 

I respectfully request that this account can be thoroughly investigated, and if confirmed to be fraudulent, that it be immediately removed from my credit history to avoid further impact on my credit standing. It has been deleted from XXXX XXXX credit report but as for the other two, they still remain.

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 2025-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
After I did purchase with agent company for traveling tickets I found the trip has a 23hours layover so I go back to the chat with the agent to cancel bc Im suffering from XXXX & I carry my XXXX  with me so I cant have my XXXX  for that hours away from the Refrigerator Im not going to able to use is very dangerous so I explain that situation it has to paying fee after 24 hours cancellation but I chat with her after 2 hours she want charge fee or no cancellation has to be so I told her I will cancel the payment with my credit Campany XXXX XXXX XXXX so I called them to stop the that payment bc the reason I did explain up I called over again to make sure the payment doesnt going through everything is recorded they said the purchase is pending I asked then make sure didnt go through the Campany the card give me the money back after anther month the credit card return to charged me again I called the credit they refused to got the money back again and they also close my account for no reason I did make a payment. Please help me to dispute 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 2025-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was making a purchase with a person on XXXX XXXX  and he had many reviews and was an admin of the trading group. I believe the name of the group was " XXXXXXXX XXXX XXXX XXXX XXXX '' and the seller I was dealing with was named " XXXX XXXX '' This was on XX/XX/year>. I thought he was a legitimate seller because of the comments and people saying it was legit. I sent him money ( {$370.00} ) through XXXX because that was one of the options he requested. Everything was good and and said he'll send me a tracking number. Later on he said his shipper was going to contact me with info on the tracking. They requested I had to pay a refundable insurance for the shipping which was {$250.00}. I was skeptical now but thought it was legit because they had a website and everything. I sent the shipper the {$250.00} and was even sent a tracking for it. The scam website is XXXX and there's a website super similar to it except for name XXXX XXXX XXXX  Next day the shipper said there was an issue with the shipment as it was held by GA and request another {$350.00}. At this point I knew I was getting scammed so I refused to pay. Both contacts then blocked and ignored me afterwards. Before I got kicked from the XXXX XXXX XXXX I did more research and turns out XXXX XXXX may be using screen-shotted photos of XXXX photos, which I believe is someone else 's. This is because everyphoto has the little people 's tagged icon which is shown in XXXX when you tag other people. Also all his followers are foreigners and if you scroll down more it is bots with all the same profile picture and just random words. 
Names used and phone numbers : XXXX XXXX from " XXXX XXXX XXXX XXXX XXXXXXXX '' on XXXX XXXX XXXX XXXX was the number money was sent to XXXX XXXX XXXX was " Shipper '' from XXXX under the number XXXX, Money sent to XXXX Other numbers they tried to get me to send money to : XXXX and XXXX Chat proof is attached, I am unable to show his profile and followers because he blocked me and kicked me from the Market group Scam Website XXXX XXXX XXXX  Another Website not sure if legit or not similar XXXX XXXX XXXX  scammed me {$620.00}

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 2025-06-14 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:
I hope this complaint finds you well. I would like to follow up on the complaints I sent to your attention regarding certain items on my credit report.

As of today, I have not received any communication or updates regarding the resolution of the disputes I sent to the bureaus. I understand that the investigation process takes time, but I would like to inquire about the current status and any progress made in resolving the issues outlined in my previous communication.

The following are the items that I would like to be removed from my credit file. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXXXXXX Balance Owed : {$610.00} XXXXXXXX XXXX XXXXXX/XX/year>

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
To be absolutely clear : This is not my account. Ive never opened it, Ive never authorized it, and it belongs to someone else entirely. It has been incorrectly linked to my file, and I have no responsibility for it whatsoever. 

Whats happening here is a textbook case of a mixed credit file someone elses information is being lumped into mine, and its putting my financial credibility at risk through no fault of my own. I need this incorrect account completely deleted from my report, not updated or investigated indefinitely permanently deleted. This is not my debt, and there is no legal reason it should appear on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Collection Systems, Inc.
State: IL

Complaint narrative:
I am filling a complaint against National Credit Management for furnishing inaccurate and misleading information to XXXX XXXX XXXX XXXX The collection agency is reporting a balance of {$53000.00} but i have submitted documentation countless times ( including a bill from the original creditor ) proving the actual amount is {$42000.00}. 

I have disputed this information 5 times on XXXX XXXX XXXX XXXX, and all disputes come back verified despite the evidence i provided. I filled a CFPB Complaint against XXXX and a final dispute after 6 days came back verified. I requested a method of verification and received none. 
This reporting is not only incorrect but misleading and in violation of the Fair Credit Reporting Act ( FRCA ). I am requesting the removal of this account on my credit report immediately. 
I have attached the correct documentation and expect this matter to be resolved promptly Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to demand the immediate removal of a fraudulent credit inquiry that has been made under my name and is currently showing on my credit report. This inquiry was not made or authorized by me, and I want it deleted immediately. 

I have never applied for credit, services, or any form of account with this company, nor have I given anyone permission to use my information to do so. This is a fraudulent action, plain and simple, and I will not tolerate it being listed on my report as if it were legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: WA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay.

I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
Td bank XXXX XXXX XXXX XXXX, XXXX, SC XXXX is the address where I tried to open a business account. I was addressed by a white lady and she was very unprofessional and very discriminative against me.She said she was the boss of td bank. I was denied opening a business account and I had all of my documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete the account as soon as possible for my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX ( TransUnion, Experian, Equifax ) XXXX Late payments Date Opened XX/XX/XXXX XXXX XXXX  ( TransUnion, Experian, Equifax ) XXXX Late payments Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX ( TransUnion, Experian, Equifax ) XXXX Credit card Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( TransUnion, Experian ) XXXX Late payment Date Opened XX/XX/XXXX XXXX XXXX ( TransUnion , Experian, Equifax ) {$6500.00} Educational late payment Date Opened XX/XX/XXXX XXXX XXXX ( TransUnion, Experian , Equifax ) {$4000.00} Educational late payment Date Opened XX/XX/XXXX XXXX XXXX ( TransUnion, Experian, Equifax ) {$2600.00} XXXX late payment Date Opened XX/XX/XXXX XXXX XXXX ( TransUnion, Experian, Equifax ) {$2000.00} Educational late payment Date Opened XX/XX/XXXX XXXX XXXX ( TransUnion, Experian, Equifax ) {$1000.00} Educational late payment Date Opened XX/XX/XXXX XXXX XXXX ( TransUnion, Experian, Equifax ) {$780.00} Educational late payment Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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:
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