vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the TransUnion LLC Consumer Dispute Center, 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. 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 IL XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$630.00}

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 2025-08-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I attempted to make an ATM withdrawl from my Wells Fargo savings account, but there were insufficient funds in the account. This is when I learned my account had been compromised. My records showed a balance of {$4500.00}. 
I reported it immediately, and Wells Fargo started investigating this. I have been in contact with XXXX XXXX since then. However, no progress has been made, and I am unable to get them to provide statements or records. I have been talking with XXXX regularly. He just says they are still looking into it, and that it is not resolved. I recently learned these cases are required to be resolved within XXXX  days.

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 2025-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
* Edited. * I was selling my game account for XXXX dollars with someone who reached out to me on XXXX. He and I agreed on the transaction, then the buyer created a group chat with the Middleman on XXXX and the middleman told me to send him XXXX bucks on XXXX with crypto. He said hell send me back the money as soon as possible, but he said something about his phone being broken or whatever and told me to send more. He ghosted me for a few days and continue doing this. His name is XXXX XXXX on XXXX, he lives in XXXX XXXX, XXXX. I did ; I sent about XXXX ( actually, not the {$1700.00} ) dollars, expecting the middleman to send the money plus XXXX he received from the buyer. Being naive and selling online for the first time ever, I was deceived and never got my money back. I was hoping to reverse this transaction with XXXX, but they couldnt. On Cashapp, I sent about XXXX dollars. I hope that I could get a refund. If you need access to my XXXX to see all the chat history I had with this middleman, you can contact me on my gmail : XXXX. Please resolve this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: GA

Complaint narrative:
I am writing to formally dispute the following accounts that are currently reporting on my credit file. My personal information was involved in a data breach, which I believe directly resulted in fraudulent activity and the creation of these accounts without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: GA

Complaint narrative:
I am writing to formally dispute the following accounts that are currently reporting on my credit file. My personal information was involved in a data breach, which I believe directly resulted in fraudulent activity and the creation of these accounts without my authorization.

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 2025-08-14 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: NV

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-14 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: NV

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: 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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Opportunity Financial, LLC
State: TN

Complaint narrative:
Complaint Summary This complaint is regarding OppLoans ( Opportunity Financial , LLC ) and their continued reporting of inaccurate and unverified information to XXXX XXXX and XXXX despite multiple certified disputes and debt validation requests under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Timeline of Events XX/XX/year> Sent certified Debt Validation Request to OppLoans for account # XXXX. Requested the original signed contract, complete payment history, proof of ownership, chain of assignment, balance calculation breakdown, charge-off date, and confirmation of statute of limitations compliance. 
XX/XX/year> Sent certified Direct Dispute citing multiple inaccuracies across my credit reports, including inconsistent open dates, re-aging, status conflicts, balance discrepancies, and differing account numbers. 
OppLoans Response # 1 Provided only a basic price breakdown by email and attempted to redirect me to a third-party company ( XXXX ), even though the tradeline is reported under OppLoans. 
My Response # 1 Restated my dispute and validation demands, citing FDCPA and FCRA requirements.

OppLoans Response # 2 Again provided only a basic price breakdown and no legal documentation.

My Response # 2 Again restated my demands. No additional documentation has been provided to date.

Inaccuracies Identified Conflicting Date Opened and Date of First Delinquency between credit bureaus.

Apparent re-aging to make the account appear newer.

Balance discrepancies between reports. 
Different creditor names and addresses ( OppLoans, Opportunity Financial, XXXXXXXX XXXX XXXX. 
Account simultaneously marked as Closed and Charged Off.

Continuous charge-off notations for years inflating derogatory impact.

Different account number formats across reports.

Violations 1. FDCPA 809 ( b ) Failure to provide full validation upon request.

2. FDCPA 807 ( 8 ) Continued reporting without verification.

3. FCRA 623 ( a ) ( 1 ) Furnishing inaccurate information.

4. FCRA 623 ( a ) ( 5 ) Illegal re-aging of the account.

5. FCRA 611 ( a ) ( 2 ) Failure to forward dispute details to the furnisher.

Impact This account is unverifiable, contains clear reporting errors, and OppLoans has refused to provide legally required documentation. The ongoing inaccurate reporting is severely damaging my credit and preventing me from obtaining credit and financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: GA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: GA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history.

Thank you for your attention to this 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 2025-08-14 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ 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 explanation
Consumer complaint received 2025-08-15 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 Report Number : 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 have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: NV

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 2025-08-14 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:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$170.00} XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$630.00} PLEASE REMOVE THESE FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$180.00}

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 2025-08-14 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: Diverse Funding Associates LLC
State: MI

Complaint narrative:
I was a victim of identity theft while I was XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX until my release date of XX/XX/XXXX. There were several accounts open in my name including a XXXX XXXX XXXX XXXX accounts # XXXX. Attach is a copy of supported documents.That includes proof of XXXX, federal ID with federal ID number, federal release ID with date of release, FTC report and driver license etc. Notice I have sent the same information to XXXX, XXXX XXXX XXXX fraudepartment.

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 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
On XX/XX/year>, I spoke with a Goldman Sachs representative named XXXX regarding my Apple Card account. I agreed to a payment plan with monthly payments of {$43.00}, 0 % APR, and a timeline that would bring my account current after three consecutive payments. I was told a confirmation email would be sent, but I never received it. 

Despite agreeing to the plan, I continued receiving daily outreach asking for payment. When I followed up on XX/XX/year> and spoke to a representative named XXXX, I was told the original representative gave me inaccurate information and that the correct plan required payments of $ XXXX/month. I expressed that I had budgeted around the original amount and asked if the original plan could be honored. The company admitted fault, confirmed the representative would be penalized, but refused to offer any resolution or compromise. 

I feel misled and penalized for an error that was not mine. Ive tried multiple times to resolve this respectfully and have documented all communications. Im now being asked to pay nearly double the amount I agreed to, with no accountability from the company beyond internal discipline. 

* * * Upon reviewing my original conversation with the representative on XX/XX/year>, I noticed that I was repeatedly referred to as XXXX XXXX, which is not my name. This misidentification raises serious concerns about whether my account was properly handled and whether the payment plan I agreed to was even documented under the correct profile. This may explain why I never received a confirmation email and why the plan was not honored. I believe this error contributed directly to the confusion and financial disruption Ive experienced. 

* * * After being misidentified as XXXX XXXX during my initial conversation on XX/XX/year>, I was transferred to a supervisor who stated : I reviewed over the last chat and notes on your account. I am seeing this is a payment plan error. I have a case number XXXX. This case has been submitted to the advocacy team for further review. This confirms that the payment plan I agreed to was mishandled internally, despite receiving verbal and written confirmation. The misidentification and failure to properly document the plan have caused financial disruption and emotional distress.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-14 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: Marlette Funding, LLC
State: DC

Complaint narrative:
I AM WRITING TO REQUEST THE DELETION OF THE FOLLOWING INFORMATION FROM MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I REQUEST THAT THE ITEMS BE REMOVED FROM MY CREDIT REPORT TO CORRECT AN ERROR. I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION, AND I HAVE ALSO ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation