vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this formal complaint to bring to your attention a serious issue involving fraudulent and inaccurate accounts being reported on my credit file by the major credit bureaus ( Experian, Equifax, and TransUnion ). 

There are multiple accounts appearing on my credit report that do not belong to me. I believe I have been a victim of a data breach or identity theft, and these accounts were opened or reported without my knowledge or authorization. 

Despite my efforts to dispute these items directly with the credit reporting agencies, the inaccurate and unauthorized information remains on my credit file, affecting my financial well-being and credibility. 

Request for Assistance : Under the Fair Credit Reporting Act ( FCRA ) : Section 605B provides that consumers who are victims of identity theft have the right to request the removal of fraudulent information from their credit reports.

Section 623 requires information furnishers to ensure the accuracy and integrity of the data they report to credit bureaus, and to investigate and correct any information that is found to be inaccurate or unverifiable. 

unauthorized accounts : XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX BANK XXXX XXXX Account XXXX XXXX  XXXX Account XXXX XXXX Account XXXX XXXX  Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX I am requesting the CFPB 's assistance in XXXX that : All inaccurate and unauthorized accounts are promptly and permanently removed from my credit reports. 
The credit bureaus and furnishers are held accountable for failing to meet their obligations under the FCRA. 
My credit file is corrected to reflect only accurate and verifiable information that belongs to me. 

Supporting Documents Enclosed : A copy of my government-issued ID A copy of my Social Security card FTC identity theft affidavit This situation has caused me unnecessary stress, financial hardship, and delays in accessing credit. I would appreciate your help in resolving this matter urgently and ensuring that the responsible parties take appropriate action. 

Thank you for your support and attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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 submitting this formal complaint to bring to your attention a serious issue involving fraudulent and inaccurate accounts being reported on my credit file by the major credit bureaus ( Experian, Equifax, and TransUnion ). 

There are multiple accounts appearing on my credit report that do not belong to me. I believe I have been a victim of a data breach or identity theft, and these accounts were opened or reported without my knowledge or authorization. 

Despite my efforts to dispute these items directly with the credit reporting agencies, the inaccurate and unauthorized information remains on my credit file, affecting my financial well-being and credibility. 

Request for Assistance : Under the Fair Credit Reporting Act ( FCRA ) : Section 605B provides that consumers who are victims of identity theft have the right to request the removal of fraudulent information from their credit reports.

Section 623 requires information furnishers to ensure the accuracy and integrity of the data they report to credit bureaus, and to investigate and correct any information that is found to be inaccurate or unverifiable. 

unauthorized accounts : XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX BANK XXXX XXXX Account XXXX XXXX  XXXX Account XXXX XXXX Account XXXX XXXX  Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX I am requesting the CFPB 's assistance in XXXX that : All inaccurate and unauthorized accounts are promptly and permanently removed from my credit reports. 
The credit bureaus and furnishers are held accountable for failing to meet their obligations under the FCRA. 
My credit file is corrected to reflect only accurate and verifiable information that belongs to me. 

Supporting Documents Enclosed : A copy of my government-issued ID A copy of my Social Security card FTC identity theft affidavit This situation has caused me unnecessary stress, financial hardship, and delays in accessing credit. I would appreciate your help in resolving this matter urgently and ensuring that the responsible parties take appropriate action. 

Thank you for your support and attention.

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 2025-06-17 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-17 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
on XX/XX/XXXX Wells Fargo requested my credit history and credit report that i did not authorize or even inquire into their company I was checking my credit report and seen a big decrease in my credit score and when i further investigated it i found Wells Fargo had done this I didnt even know what this company was until this I have many others on my credit report also i never have inquired into from a while ago but i have been working hard to on my report and the Wells Fargo was te worse one

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 2025-06-17 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:
After reviewing my reports i found activity that appears to be fraudulent. 
XXXX XXXXXXXX

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 2025-06-17 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
Account XXXX XXXX XXXX XXXX XXXX XXXX was opened fraudulently from an address I have never lived at. The only address any accounts should be tied to is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, which has been my sole address for XXXX years. I have an open report with the FTC ( FTC report # XXXX ). And am in contact with the credit bureaus. Please investigate and provide proper information or delete this account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TX

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am disputing the reporting of a charged-off account from ADS/Comenity/Victorias Secret on my credit report . This account was charged off and marked as purchased by another lender, yet it continues to report with derogatory remarks. 

Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must report accurate and complete data. Comenity Banks reporting is misleading because the account is listed as charged off, but shows no evidence of the current ownership, or whether the debt is actively being collected. 

Furthermore, if this account has been sold, Comenity no longer has a legal right to continue reporting the account balance as charged off without clarifying ownership status, in violation of FCRA 623 ( a ) ( 3 ). This creates double reporting and unfair credit damage. 

I demand a reinvestigation under FCRA 611, and if Comenity Bank can not verify the accuracy and legal basis of this reporting ( including ownership chain ), this account should be corrected or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ID

Complaint narrative:
I opened a joint account with my son for him to use for college. I deposited the money and have a balance exceeding {$11000.00}. When he turned XXXX, we attempted to create his profile, however their system isnt sending the link via phone and customer service couldnt help us. We have gotten nothing by mail. 
On XX/XX/year> we were advised that we have up to XXXX XXXX before any action was taken and we entered the process of profile recovery. He has submitted all requested information, so far. 
On XXXX we urgently needed to access a portion of our funds and were denied access. We were informed that account restrictions are in place and that there is nothing they can do. In spite of the fact that an active and verified joint holder exists on the account. 
They have stolen our money. I want to press charges unless it is promptly returned. 
I can see how the account itself may not be able to be active, but we should be able to transfer between verified accounts with verified account holders. This is theft. They are keeping our money. 
USAA is criminal.

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 2025-06-17 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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 have disputed the account numerous times and was advised per Experian letter that was sent to via XXXX. I called both companies to dispute as requested and spoke with XXXX/XXXX  XXXX representatives and explained my situation and was told that information can not be given to me due to my personal information was not verified.

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 2025-06-17 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: MO

Complaint narrative:
XXXX # XXXX. THIS IS NO MY ACCOUNT. 
XXXX  # XXXX.. THIS ACCOUNT IS CLOSED XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, a creditor or any entity must have a permissible purpose to access or place a hard inquiry on a consumers credit report. This means they must obtain the consumers written authorization or have a legally valid reason, such as evaluating a credit application, reviewing an existing account, or collecting a debt.

If a creditor places an inquiry on your credit report without your explicit permission or without a legally defined permissible purpose, they are in violation of federal law. Such unauthorized inquiries are considered an invasion of privacy and may be grounds for legal action, including statutory damages, under 15 U.S. Code 1681n and 1681o.

Consumers have the right to dispute any unauthorized inquiries with the credit bureaus and demand removal. Additionally, they may file a complaint with the Consumer Financial Protection Bureau ( CFPB ) or take legal action against the violating entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-06-17 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: SC

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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Professional Collectors Corp.
State: WI

Complaint narrative:
A collection agency by the name of " Professional Collectors '' has reported information onto my credit report that I as a consumer is protected against by federal law The following debts must be removed as per federal law since each of them related to the consumer financial protection bureau ( CFPB ), Regulation vs. senate bill 5480.

Professional Collectors has placed medical debt onto my credit reports under the disguise of debt being owed to a debt collection agency. The original creditors are XXXX XXXX, and XXXX XXXX XXXX. Im asking that the CFPB reach out to Professional Collectors, and demand Professional Collectors to remove any and all medical debt from my credit report, regardless rather Professional Collectors has the debt listed under their business name, any name, or under the name of the original creditor. 

Please inform Professional Collectors that legal action can, and will be taken against them. 

The amounts are as follows : {$1000.00} {$3300.00} {$2300.00} {$9600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: PA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-17 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: SC

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: CO

Complaint narrative:
Subject : Help Needed with Refunds Good morning, I need assistance with two refund issues on Cash App : 1. I ordered {$100.00} from XXXX XXXX XXXX on XX/XX/year>, but the order was canceled, and I haven't received my refund. 
- XXXX XXXX  Card : XXXX XXXX XXXX XXXX XXXX XXXX  Amount : XXXX XXXX  {$100.00} 2. I paid a {$400.00} deposit to XXXX XXXX on XX/XX/XXXX, but the merchant reversed it. I filed a dispute, but I have no updates as of XX/XX/XXXX. 
- XXXX XXXX Card : XXXX XXXX XXXX XXXX XXXX XXXX Amount : XXXX XXXX {$400.00} I need my money returned and have proof for both cases. Thank you for your help.

Company response to consumer: Closed with explanation