vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: CA

Complaint narrative:
I am submitting this formal notice under the Fair Credit Reporting Act 15 U.S.C. 1681c-2 FCRA 605B and 623 as a verified victim of identity theft. I have submitted documentation and supporting evidence including my FTC Identity Theft Report regarding fraudulent account that were opened without my knowledge or consent. Despite prior submissions these account or their related information continue to appear or remain unblocked in my file. The following fraudulent account must be permanently blocked and deleted from my credit file and any future reinsertion of this or related account must be automatically prevented per FCRA 605B ( c ) ( 1 ) and 623 ( a ) ( 6 ) ( B ) FRAUDULENT ACCOUNT XXXX Account XXXX XXXX Date Opened XXXX These account was opened or initiated by unknown parties using my stolen identity as confirmed in my FTC Identity Theft Report. I never authorized or consented to any application or extension of credit connected to these account. I demand that under FCRA 605B ( b ) you Permanently block all information related to the fraudulent accounts and inquiries listed above Delete all existing records or derivative data connected to these accounts Ensure future suppression preventing any of these or related accounts or inquiries from reappearing in my credit report Provide written confirmation of the completed block and deletion within the statutory 4 business days of receipt of this notice Notify all furnishers involved that this information has been identified as fraudulent and must not be re-reported under FCRA 623 ( a ) ( 6 ) ( B ) This request also extends to any fraudulent accounts or information not currently visible in my credit file but mentioned in my FTC Identity Theft Report. Those must be preemptively blocked to prevent appearance or reinsertion. Failure to comply constitutes a willful violation under FCRA 605B ( d ) and 623 ( a ) ( 6 ) and may result in statutory damages attorney fees and civil liability under 15 U.S.C. 1681n and 1681o. Please confirm in writing that all fraudulent information related to these account has been permanently deleted and blocked from future reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: CA

Complaint narrative:
I am submitting this formal notice under the Fair Credit Reporting Act 15 U.S.C. 1681c-2 FCRA 605B and 623 as a verified victim of identity theft. I have submitted documentation and supporting evidence including my FTC Identity Theft Report regarding fraudulent account that were opened without my knowledge or consent. Despite prior submissions these account or their related information continue to appear or remain unblocked in my file. The following fraudulent account must be permanently blocked and deleted from my credit file and any future reinsertion of this or related account must be automatically prevented per FCRA 605B ( c ) ( 1 ) and 623 ( a ) ( 6 ) ( B ) FRAUDULENT ACCOUNT XXXX Account XXXX XXXX Date Opened XXXX These account was opened or initiated by unknown parties using my stolen identity as confirmed in my FTC Identity Theft Report. I never authorized or consented to any application or extension of credit connected to these account. I demand that under FCRA 605B ( b ) you Permanently block all information related to the fraudulent accounts and inquiries listed above Delete all existing records or derivative data connected to these accounts Ensure future suppression preventing any of these or related accounts or inquiries from reappearing in my credit report Provide written confirmation of the completed block and deletion within the statutory 4 business days of receipt of this notice Notify all furnishers involved that this information has been identified as fraudulent and must not be re-reported under FCRA 623 ( a ) ( 6 ) ( B ) This request also extends to any fraudulent accounts or information not currently visible in my credit file but mentioned in my FTC Identity Theft Report. Those must be preemptively blocked to prevent appearance or reinsertion. Failure to comply constitutes a willful violation under FCRA 605B ( d ) and 623 ( a ) ( 6 ) and may result in statutory damages attorney fees and civil liability under 15 U.S.C. 1681n and 1681o. Please confirm in writing that all fraudulent information related to these account has been permanently deleted and blocked from future reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-28 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-28 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:
These accounts were not opened or authorized by me. Please review the details and remove them. Ive attached documentation to help.

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 2025-11-28 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: CA

Complaint narrative:
I am filing this report because it is formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the fraudulent material are reporting in my credit file. There is a fraudulent account was opened under my name without my knowledge and I am asking to block and delete this fraudulent account because I have no knowledge about them. And also, TransUnion premaritally blocked accessing my online account without letting me know. I have sent all documentation they requested asking to remove any block or internal lock from my service.transunion.com online account but they stated that they never remove the block online account.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Telephone : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX XXXX XXXX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX Apt XXXX, XXXXXXXX XXXX XXXXXXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 


Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 2025-11-28 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: MA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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.
State: NC

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 explanation
Consumer complaint received 2025-11-28 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:
The displayed information does not fully or correctly demonstrate my financial behavior. I kindly request a thorough review and modification.

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 2025-11-28 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to dispute an inaccurate late payment being reported on my TransUnion credit file. This dispute is made under FCRA 611, as the account information appears incorrect, incomplete, and potentially not in compliance with XXXX XXXX reporting standards. 

Account in question : Creditor : WFBNA AUTO Reported Status : XXXX  Days Late Reported Date of Delinquency Window : XX/XX/year> through XX/XX/year> 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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted written Method of Verification ( MOV ) requests to Experian for multiple negative accounts on my credit report. My request specifically asked for all documentation required under FCRA 611 ( a ) ( 6 ), 607 ( b ), and 623 ( a ) ( 1 ) ( A ), including : the complete Method of Verification, all original-source documents used to verify each account, ACDV/e-OSCAR data and timestamps, full audit trails for each account, identity-matching records, XXXX furnishing files, and chain-of-title documentation where applicable. 

My letters were personally signed and sent through XXXX with tracking. Experian received all of the following XXXX-tracked mailings, as confirmed by the XXXX delivery records : XXXX XXXX XXXX XXXX Each mailing included all documents Experian requires for identity verification : a copy of my drivers license, my Social Security document ( XXXX  XXXX digits redacted ), and XXXX government-issued letters confirming my address. 

Despite receiving complete and properly documented MOV requests, Experian did not provide any of the legally required verification materials. Instead, they responded by opening a new dispute that I did not request, and demanded identity documents that had already been included in my original packets. Their response did not address any part of my Method of Verification request, nor did they provide any of the required documentation. 

This appears to be an intentional attempt to avoid providing verification materials and to avoid acknowledging that the negative information they continue to report may be unverifiable. 

For the past year, I have repeatedly submitted disputes and documentation to Experian, and it appears they have not conducted proper investigations at all. Their responses are generic, repetitive, and do not reflect the evidence I supplied. This raises concerns that Experian may not be performing meaningful investigations as required under FCRA. 

Experians refusal to properly investigate or verify the negative information they continue reporting is causing me significant financial harm. I am unable to access normal banking services, have difficulty securing housing, and continue experiencing financial instability because Experian is reporting negative items that may not be verifiable or accurate. 

I am requesting CFPB assistance to obtain the documentation Experian is legally required to provide or to remove any information they can not verify according to federal 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 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
On XX/XX/year> I applied for an Ally Bank deposit account and was denied with the stated reason we couldnt verify your identity. On XX/XX/year> I applied again over the phone and was denied a second time for the same reason. XXXX  has formally confirmed that no security freeze is on my file, and no other financial institution has ever had difficulty verifying my identity. 

During multiple phone calls, Ally representatives and supervisors could not provide the specific key factors or the legally required reasons for the repeated denial. I was repeatedly placed on hold, redirected between departments, and told that we can not tell you why even though I requested the information required under federal law. 

Ally also stated that manual review has already happened twice, yet could not provide any factual basis for the denial, nor any written explanation other than a generic template email. 

I requested supervisory review, clarification, and the legal basis for the denial. I requested confirmation whether Ally is using XXXX, credit bureaus, internal databases, or other sources. No clear answer was provided, and I was told that no one could disclose the reason. 

This pattern prevents me from accessing basic banking services and raises serious concerns about identity-verification accuracy, discrimination, and compliance with the Equal Credit Opportunity Act ( ECOA ) and Truth in Lending/Truth in Savings obligations relating to adverse action disclosures. 

I fully verified my identity, provided complete information, and acted in good faith. Ally has not provided any lawful or factual reason for denying me an account.

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 2025-11-28 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: SD

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding the continued suspension of my PNC Bank account, which has now been frozen for over * * XXXX  days * * without resolution or meaningful communication. 

I have fully complied with every request made by PNC during this review. I personally visited a branch and spent * * over XXXX hours * * working with a branch employee while a fraud specialist was on the line. During that time, I verified * * my identity * *, reviewed and confirmed * * all account transactions *, and clearly explained * * the purpose of the account and my financial needs * *. I have provided every piece of information requested from me. 

Despite completing this extensive process, my account remains frozen with no update, no explanation, and no timeframe for resolution. This prolonged suspension is unacceptable and has caused unnecessary stress and disruption. I have fulfilled my obligations now I am requesting that PNC fulfills yours. 

I am requesting an * * immediate response * * regarding the status of my account and the prompt reinstatement of full access. If additional information is needed, I am more than willing to provide it, but I expect transparency, communication, and timely action. 

Thank you for your attention to this matter. I look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent {$5000.00} via Cash App to XXXX XXXX XXXX ( $ XXXX, XXXX XXXX  ) after he induced the payment with a signed investment contract promising {$8000.00} back in XXXX year ( see attached contract page : in exchange for the equal amount of {$8000.00} USD ). 

After XXXX  months, he admitted in writing that there is no payment guarantee and refused to pay ( attached texts ). This is an active XXXX  scheme. I reported the transaction as fraud/scam to Cash App on or around XX/XX/XXXX and uploaded the contract, receipt, and texts. Cash App denied the dispute and refused to reverse the {$5000.00} despite clear evidence of fraudulent inducement.

Company response to consumer: Closed with explanation