vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was added to registration of vehicle once we moved to XXXX  from XXXX, I did not authorize or sign any written legal documents allowing my information to be used or ran, due to me not having a SS number at the time. It was a work permit. I reached out to Experian for the hard inquiries on my credit report. I was told from Experian to file a police report and it was allowed to be disputed. Then transferred to 5 different departments only to be called XXXX  XXXX and be yelled and treated like a XXXX. I explained I was a victim of identity theft by a ex boyfriend. Who tried to get loans in my name. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries XXXX XXXX  XXXX  inquiries, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX  XXXX, XXXX XXXX XXXX inquiries. They will not do anything. Please please please help me, I just became a permenent resident and now have a sour taste in my mouth from this country and the way they are. In XXXX we would have never had to do this. I don't even have a drivers license how am I going to get a vehicle being I don't have a ss number established yet. It's a workers permit. Please help me this is affecting my residence and my progression here in the us

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: Experian Information Solutions Inc.
State: NJ

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 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 2025-08-02 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: NJ

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 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 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am filing this complaint regarding a debt Transworld Systems Inc. is reporting to all XXXX major credit bureaus for an account allegedly associated with XXXX XXXX in the amount of {$1400.00} ( Account # XXXX ). 

On XX/XX/year>2025, I mailed Transworld Systems a certified letter requesting debt validation, as permitted under the Fair Debt Collection Practices Act ( FDCPA ). XXXX tracking confirms the letter was picked up on XX/XX/year>2025 at XXXXXXXX XXXX at their XXXX XXXX, PA XXXX location. 

To date, I have not received any documentation validating this debt. 

On XX/XX/year>2025, I contacted Transworld by phone. They stated that they had attempted to reach XXXX XXXX for verification but had not received a response. I requested the account be removed from my credit reports since it can not be substantiated. 

I have never had any account with XXXX XXXX, and when I contacted XXXX directly, they confirmed that no such account exists under my name or associated with the account number Transworld Systems is using. 

Despite this, Transworld Systems has continued to report negative updates to my credit fileincluding XXXX updates since my debt validation request. This reporting is causing significant harm to my credit and is being done without legal documentation or proof of validity. 

This inaccurate reporting was discovered as I was preparing to purchase a home. Because of this unverifiable debt, my credit score was negatively impacted, which directly affected my ability to secure favorable financing. 

Under 15 U.S.C. XXXX of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and information furnishers are required to ensure that all information reported is fair and accurate. Reporting unverifiable or false information is not only harmful but may also constitute a violation of federal law. 

The continued presence of this unvalidated account on my credit report reflects negatively on my creditworthiness and has caused both financial and emotional harm. It is unjust to report negative information that can not be substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, around XXXX XXXX., I went to CITIBANK branch located at XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX deposit some cash to my saving account. I put the cash in ATM XXXX, the ATM counted the cash and showed {$2600.00}, I confirmed, and ATM made some noise, and then the screen showed something like '' no more cash business ''. I waited before the ATM, but no receipt came out, or more information about my deposit. So I went to the front desk, asked for help. XXXX young ladies there checked my debit card on their card reader, and looked at their computer monitor, then they told me, there are XXXX pending deposits in sum of {$2700.00} in my saving account. I was confused, because I remembered it was {$2600.00}. The young lady let me wait XXXXXXXX XXXX, because she said it would take XXXXXXXX XXXX to finish the deposits. She also suggested me to call customer service if the money was not deposited to my account after XXXXXXXX XXXX. So I left the bank at that day. On XX/XX/XXXX, I checked my account, still no money was deposited, so I called CITIBANK. The customer service let me wait for XXXX days. However, today I received a letter from CITIBANK, which was printed out on XX/XX/XXXX, telling me " there was no cash discrepancy for that location on the date in question. '' I was so socked. No mater {$2600.00} or {$2700.00} in cash is a quite big number. How could the money just vanished? How could they finish investigation in just XXXX days? The branch has a lot of camera in the ATM hall. It is easy to check the camera to make sure if I deposit money or not. I called customer service again, but they just transferred me to other sections. Please help me to get my money back.

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 monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Issue : I have two department store credit accounts one with XXXX XXXX and one with XXXX that are reporting inaccurately on my credit report. 

Details of the Problem : Every time a credit bureau re-imports my report, the accounts appear as if theyve been deleted, and then re-added under a different account number. This has happened multiple times. The issue is that these accounts are not new, but they continue to show up with new account numbers, which is misleading and inaccurate. 

This repeated re-reporting with new numbers makes it look like Im opening new accounts or have more debt than I do, which affects my credit profile negatively. 

What I Want to Happen : I am requesting that the original account numbers be restored and the duplicates be permanently deleted, and for the bureaus to stop re-adding the same accounts under new numbers. I also request a full investigation into why this inaccurate reporting continues to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously notified this company that I am the victim of identity theft several times.Recently I submitted documentation regarding fraudulent accounts again to block and delete and the company did and they provided documentation that the accounts would be removed and a new credit report. XXXX after they blocked me from seeing my report for almost a month and added those accounts back with no notification or proof of verification. I called today to request that it be blocked and deleted and each representative refused after verification of the documents I sent in. I tried to dispute online and they have me blocked from doing so as well. They consistently violate my rights and get away with it.

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 2025-08-02 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: NJ

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NV

Complaint narrative:
I asked for my account number yesterday morning through chat support. I was refused and I said they will not able to give me information as to why they couldn't give me my account number. They told me to contact the manager through email or contact support by phone. I did both and I got the same generic response telling me how sorry they are that they know what the problem is but they're unable to tell me what the problem is and they're sorry if this outcome is frustrating to me. I need my account number to set up direct deposit with my new employer on their end through their payroll department. I can not set up the book deposit on my end, it says I need a to activate my card on my account, it's been activated for over a year and actively using it. I asked everyone for my account number, I verified all my security information, I did every step they asked of me and nothing was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: NY

Complaint narrative:
I asked XXXX XXXX ( XXXX ) for investigation into this account and the accuracy of it as to why it's being report onto my credit as I've never signed any contract or have never done business with them. along with contacting Experian, TransUnion, and Equifax several times as to why they are reporting inaccurate information and accounts that are not mine. then I sent a Notice of Intent to File Civil Action Under the FCRA giving them 15 days to removing these accounts and they have not responded or removed the accounts I'm demanding be removed. I am writing to dispute and demand the immediate removal of the above-referenced XXXX tradeline from my credit reports. This entry violates both the Metro 2 Data Specification Guidelines and multiple provisions of the Fair Credit Reporting Act ( FCRA ), making it materially inaccurate and unreportable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: NY

Complaint narrative:
I asked XXXX XXXX ( XXXX ) for investigation into this account and the accuracy of it as to why it's being report onto my credit as I've never signed any contract or have never done business with them. along with contacting Experian, TransUnion, and Equifax several times as to why they are reporting inaccurate information and accounts that are not mine. then I sent a Notice of Intent to File Civil Action Under the FCRA giving them 15 days to removing these accounts and they have not responded or removed the accounts I'm demanding be removed. I am writing to dispute and demand the immediate removal of the above-referenced XXXX tradeline from my credit reports. This entry violates both the Metro 2 Data Specification Guidelines and multiple provisions of the Fair Credit Reporting Act ( FCRA ), making it materially inaccurate and unreportable.

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 2025-08-02 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 discovered multiple unauthorized hard credit inquiries across my Experian, Equifax, and TransUnion reports. I did not apply for credit with the companies listed below and did not authorize any of these inquiries. These could negatively affect my credit score and may violate the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose before an inquiry can be made Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion : XXXX XXXX XX/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 2025-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I discovered multiple unauthorized hard credit inquiries across my Experian, Equifax, and TransUnion reports. I did not apply for credit with the companies listed below and did not authorize any of these inquiries. These could negatively affect my credit score and may violate the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose before an inquiry can be made Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion : XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-08-02 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: NY

Complaint narrative:
I asked XXXX XXXX XXXXXXXX for investigation into this account and the accuracy of it as to why it's being report onto my credit as I've never signed any contract or have never done business with them. along with contacting Experian, XXXX, and XXXX  several times as to why they are reporting inaccurate information and accounts that are not mine. then I sent a Notice of Intent to File Civil Action Under the FCRA giving them 15 days to removing these accounts and they have not responded or removed the accounts I'm demanding be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: NY

Complaint narrative:
I asked XXXX XXXX XXXXXXXX for investigation into this account and the accuracy of it as to why it's being report onto my credit as I've never signed any contract or have never done business with them. along with contacting Experian, XXXX, and XXXX  several times as to why they are reporting inaccurate information and accounts that are not mine. then I sent a Notice of Intent to File Civil Action Under the FCRA giving them 15 days to removing these accounts and they have not responded or removed the accounts I'm demanding 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 explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
My debit card was compromised on XX/XX/2025 and I was contacted by a scammer posing as USAA. There were already fraudulent activities that occurred on my account that were stopped and or reversed by USAA. I do not understand why this transaction is any different than the other fraudulent charges on my account. They all happened at the same time on my account. USAA has decided to side with XXXX and the scammer instead of siding with their member of XXXX XXXX The bank has the final say with a chargeback and USAA has decided that their member should be out {$5000.00}. I will be moving all my money from USAA and will avoid any banking with them if this is how they treat their members. When I look on XXXX the transaction has been declined and is crossed out. So I am requesting my {$5000.00} be returned to my account immediately. The transaction disputed is a {$5000.00} XXXX through my debit card in which was declined and should be charged back to my 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 2025-08-02 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: GA

Complaint narrative:
Experian, equifax, TransUnion Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$550.00} past due as of XX/XX/XXXX. 

Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1000.00} past due as of XX/XX/XXXX. 

Account Name XXXX XXXX  XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$2000.00} written off. {$2000.00} past due as of XX/XX/XXXX. 

Account Name XXXX XXXX  XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$2300.00} written off. {$2300.00} past due as of XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: GA

Complaint narrative:
Experian, equifax, TransUnion Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$550.00} past due as of XX/XX/XXXX. 

Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1000.00} past due as of XX/XX/XXXX. 

Account Name XXXX XXXX  XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$2000.00} written off. {$2000.00} past due as of XX/XX/XXXX. 

Account Name XXXX XXXX  XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$2300.00} written off. {$2300.00} past due as of XX/XX/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