vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have filed identity theft with FTC. I also filed a sheriff 's report and FBI cybersecurity. Report IC3 i have a congresswoman on the federal side. Helping me with this. Also, the Attorney General 's office has called me twice already. My identity was stolen, and there's a lot of stuff on the credit bureau that are not me. And are inaccurate.

With Equifax, they are reporting the XXXX repossion that is actually closed and not at my request. It is closed experience already closed there, but Equifax wants to give me a problem about this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. 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 non-monetary relief
Consumer complaint received 2025-12-02 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:
Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is one account I am asking you to verify as accurate : BANK name XXXX XXXX  account 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 2025-12-02 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I, XXXX XXXX XXXX, being duly sworn, depose and state the following under penalty of perjury : ________________________________________ Statement of Facts 1. Personal Information : I am a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and I am the rightful owner of the personal and financial information associated with this complaint. 
XXXX. Data Breach Acknowledgment : I was a victim of the XXXX XXXX breach, National public data publicly acknowledged by XXXX  in XX/XX/XXXX, which exposed the sensitive personal and financial information of millions of individuals, including mine. 
XXXX. Accounts in Question : As a direct result of the data breach, fraudulent accounts were opened or attempted to be opened in my name without my authorization. The following accounts are fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Liability : XXXX  failed to adequately safeguard my sensitive personal information, which led to these fraudulent activities. This constitutes a violation of their duty to protect consumer information under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ). 
________________________________________ Legal References 1. Fair Credit Reporting Act ( FCRA ) : Under the FCRA, consumers have the right to : Dispute inaccurate information on their credit reports ( 15 U.S.C. 1681i ).

Expect credit reporting agencies to take reasonable steps to verify disputed information ( 15 U.S.C. 1681s-2 ).

Be free from negligence in handling their credit information ( 15 U.S.C. 1681n and 1681o ).

2. Identity Theft Protection Act : XXXX  is obligated to ensure reasonable measures are in place to prevent unauthorized access to personal and financial data, as per federal guidelines for safeguarding sensitive consumer data. 
________________________________________ Relief Requested 1. Immediate removal of the fraudulent accounts from all credit reports issued by XXXX  and other credit reporting agencies.

2. A thorough investigation into the inaccuracies reported.

3. Compensation for damages incurred, including harm to my credit and emotional distress caused by this breach.

________________________________________ Declaration I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct to the best of my knowledge and belief. 
Name : 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 2025-12-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NV

Complaint narrative:
I was going back to college at XXXX. and ordered a laptop. I never got the laptop. It showed it was out for delivery and then suddenly it was delivered in Hawaii. When I live in XXXX XXXXXXXX XXXX, I filed a dispute with cash App. They denied my dispute wouldn't give me my money back then took my card and told me I can only use their account, I can't have a card. This is b * * * * * * * I was already a victim, and they just victimized me even more, they've also cost me around {$500.00} in payment for work I've already done from from employers that live out-of-state, because they're claiming o were protecting you from fraud. No, they just kept me from getting paid.I 've been with Cash App somewhere around XXXX to 10 years, and never had a problem until this.And after this I hate them. I also want to note this is about the seventh time I've tried to file this to claim. But every time I upload my proof it brings me back and I have to start all over therefore, I'm just going to say I do have proof and if I can send it in an email that would work better cause I do not want to continue to fill out this form over and over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I attempted to perform an external wire transfer on XX/XX/XXXX. I was locked out of the online access and couldnt verify information because I had changed my phone number. I did go into the PNC branch in XXXX, NC, that day. 
I updated my phone number, in person to whomever the banker was. I explained that I was getting ready to have divorce papers filed and that my husband was attempting to funnel funds from our Thrift Savings, through our joint PNC, into an illegal cryptocurrency transaction. I had even told him, that I even called and was told there was nothing I could do. He didnt take a report or even look into this. When I asked him what I could do, his reply was I dont know, Im new.

I explained to him, the flag on the account was a tech issue, and this needed to be resolved asap. I even had my husband come in, and wouldnt you know, he snapped to attention, getting the freeze removed. Something that should have taken about an hour to do, ended up costing almost 3 hours of wasted time, simply because the PNC employee failed to listen to a woman.

Also, another employee, when I asked to use the restroom ( after being there over 2 hours at this point ), and she replied that employees only like I was XXXX XXXX XXXX. It was humiliating, as this was a small bank. She relented and allowed me to use the bathroom. Again, embarrassing and disrespectful customer service. 
I then attempted another external wire transfer, on XX/XX/XXXX. Again, locked out. 
My husband went to the bank and changed the password. When I attempted to update, again my account blocked. All because the employee FAILED to update my phone number. 
Again, my soon to be ex husband is attempting to remove my name off our joint accounts, without my signature. He was told as soon as charges pending are cleared, he can. 
I would never recommend PNC to anyone. 
This is blatant sexism and possible fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: IN

Complaint narrative:
This problem is seriously affecting my peace of mind and sleep. Considering my reliable payment history, I kindly urge you to update my account without delay to relieve this stress.

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 2025-12-02 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:
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 non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Good day, I am writing as a consumer who is simply asking for accuracy and fairness on my credit report. I recently reviewed my file and found a XXXX XXXX XXXXXXXX account that is being reported in a way that is confusing, inconsistent, and does not reflect what actually happened. 

Thank you in advance for reviewing 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 non-monetary relief
Consumer complaint received 2025-12-02 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: MO

Complaint narrative:
I asked them : " Please remove all inquiries and any accounts opened fraudulently due to the data breach Transunion experienced in XX/XX/2025 '' They then requested further information such as a police report and FTC report ( which I provided ) but haven't removed the inaccuracies on my report, especially the inquiries that were made 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 2025-12-02 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:
Good day, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request XXXX theseunauthorized inquiries, but they are still on my credit report. I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Affirm let someone creat an account in my name and they are using my identity online.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This account was cleared in full, but the report still lists it as having late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: SC

Complaint narrative:
I am filing this complaint because Jefferson Capital Systems is reporting a XXXX XXXX collection account that is inaccurate, incomplete, and unverified. The account shows missing and inconsistent information, including no original balance, no last payment date, no proof of ownership, and no supporting documentation. I requested validation under FDCPA 809, but Jefferson Capital failed to provide any legally required documents such as an itemized accounting, a copy of the original contract, or proof of assignment. Despite this, they continue reporting the debt, which violates FCRA 602, 603, 611, and 623. The company has not conducted a lawful investigation and has verified the account without providing evidence. I am requesting that CFPB require Jefferson Capital Systems to provide full validation or remove the account entirely from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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 not associated in any way with these accounts ; deletion is required within 15 days under USC 1681g.

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 2025-12-02 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-12-02 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: DE

Complaint narrative:
TransUnion and Experian are reporting accounts that are inaccurate, fraudulent, or a result of past data breaches. I submitted disputes with documentation, but TransUnion continues to report negative information already deleted by Experian and Equifax. 

TransUnion also blocked me from accessing my online account while I had active disputes, preventing me from exercising my FCRA rights. The inaccurate reporting has caused me housing denial, job denial, loss of credit opportunities, and financial harm. 

Experian has now returned items as verified without proper investigation. I am requesting full deletion, correction, and enforcement of all FCRA rights.

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 2025-12-02 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: DE

Complaint narrative:
TransUnion and Experian are reporting accounts that are inaccurate, fraudulent, or a result of past data breaches. I submitted disputes with documentation, but TransUnion continues to report negative information already deleted by Experian and Equifax. 

TransUnion also blocked me from accessing my online account while I had active disputes, preventing me from exercising my FCRA rights. The inaccurate reporting has caused me housing denial, job denial, loss of credit opportunities, and financial harm. 

Experian has now returned items as verified without proper investigation. I am requesting full deletion, correction, and enforcement of all FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: MO

Complaint narrative:
I asked them : " Please remove all inquiries and any accounts opened fraudulently due to the data breach Transunion experienced in XX/XX/2025 '' They then requested further information such as a police report and FTC report ( which I provided ) but haven't removed the inaccuracies on my report, especially the inquiries that were made 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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My personal information was used without my permission, and fraudulent accounts were opened in my name. Ive taken all the proper steps filed police reports, contacted the credit bureaus, and notified the creditors yet these false accounts remain on my report. Its deeply frustrating and unfair. Im simply asking for whats right : to have my identity restored and the inaccurate information removed so I can move forward with my life.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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! 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
the account was removed from all my credit reporting but Equifax is showing that i am late although the account currents also all late payments was removed. Please remove from all XXXX credit buraus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV Funding, XXXX c/o Resurgent Capital Services XXXX XXXX Is trying to collect debt, the information LVNV claim isnt valid. This XXXX is result of identity theft ( PI on dark web ) and was PAID as well. LVNV also sold debt to another collection agency XXXX XXXX XXXX then took debt back ( recorded call ) due to lack of validation and proof of paid. I will pursue litigation against LVNV if needed I DO NOT OWE AND NEVER OWNED DEBT, Debt was paid to original creditor XXXX XXXX Bank. I want to see original contract, valid information, XXXX XXXX XXXX not continue to pursue me in any way, including court and Reporting to my credit report profile that is XXXX to hurt me in anyway possible. 
XXXX and report to FTC, and regulator

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: OneMain Finance Corporation
State: PA

Complaint narrative:
Numerous inquiries made on my behalf without my consent from various financial institutions.

Company response to consumer: Closed with explanation