vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: FL

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! 


XXXX XXXXXX/XX/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 2025-11-19 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: PA

Complaint narrative:
I am writing this letter to you because I feel extremely upset and I need to block, delete, or dispute all incorrect information in my credit report obtained from Transunion. In order to exercise my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which states that it is your duty to provide me with all actions you took to verify the data in my credit report. If you can not verify the items I am requesting to block, delete, or dispute, it is your obligation to remove them from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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 am writing this letter to you because I feel extremely upset and I need to block, delete, or dispute all incorrect information in my credit report obtained from Transunion. In order to exercise my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which states that it is your duty to provide me with all actions you took to verify the data in my credit report. If you can not verify the items I am requesting to block, delete, or dispute, it is your obligation to remove them from my credit report immediately.

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 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
XXXX  suspended my account without providing a clear explanation. I currently have a balance of approximately {$100.00} in the account. XXXX  will not allow me to transfer the funds to my bank or withdraw them in any way. 

I understand the company may choose to close or suspend an account, but they are still required to allow customers to retrieve their remaining balance. At this time, my money is being held with no way for me to access it. 

I have contacted XXXX  support but have not received any help or instructions on how to withdraw my funds. 

I am requesting assistance to have XXXX  release the remaining balance to me through any available method.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : Complaint Regarding Failure to Prevent and Address FraudWells Fargo I am filing this complaint because Wells Fargo failed to protect me from fraud, ignored clear signs of unauthorized manipulation, and improperly denied my fraud claim using the " authorized transaction '' excuse.

Despite my prompt notification, WF did not properly investigate the suspicious activityrepeated, unusually large transfers to a new recipientand instead blamed me for being victimized. This is exactly the type of negligent customer service and weak anti-fraud protocols that the CFPB and other regulators have recently fined WF and similar institutions for.

I believe WF is liable for not implementing strong anti-fraud measures and for dismissing my report without meaningful review. I request a full investigation, restitution for my financial losses, compensation for consequential damages, and assurances they will adopt stricter consumer protection practices. 

Documentation relating to my fraud report, WFs dismissive responses, and the suspicious transactions can be provided. 

Please prioritize my case for review under prevailing regulatory settlements and guidance.

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 2025-11-19 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
I am submitting this Complaint to dispute regarding multiple inaccurate, conflicting, unauthorized, and unverifiable inquiries appearing on my credit reports across Experian, Equifax, and TransUnion, which are negatively affecting my creditworthiness and violating several provisions of the Fair Credit Reporting Act ( FCRA ). 
Experian is reporting inquiries including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX none of which I authorized or which are inaccurately dated. 
Equifax shows XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, while TransUnion reports XXXX XXXXXX/XX/XXXX, again without my authorization. The presence of these inquiries violates 604 ( a ) ( 3 ) ( A ) ( permissible purpose requirement ), 1681b ( f ) ( requiring consumer authorization ), and 1681e ( b ) ( requiring maximum possible accuracy in reporting ).

The conflicting and unauthorized reporting across bureaus further constitutes violations of 611 ( a ) ( right to reinvestigation of disputed items ), 1681s-2 ( a ) ( 1 ) ( A ) ( requiring furnishers to report accurate information ), and 1681s-2 ( a ) ( 2 ) ( requiring prompt correction of errors by furnishers ) .These discrepancies also reflect failures under 1681c ( removal of unverifiable negative information ), 1681j ( accurate consumer identification ), and 1681k ( consistency of addresses and account data ). Repeated reporting of these inaccurate inquiries constitutes both wilful and negligent violations under 1681n and 1681o, exposing the bureaus and furnishers to potential civil liability.

Additionally, the failure to properly verify and remove these inquiries, which I did not authorize, violates 607 ( b ) ( mandating accurate reporting ) and 615 ( a ) ( prohibiting adverse actions based on inaccurate or unverified information ). The continued presence of these inaccurate inquiries not only misrepresents my credit profile but can result in financial harm, including a lower credit score, which is a direct violation of the FCRAs consumer protections.

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 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Self Financial Inc.
State: NJ

Complaint narrative:
The debt collector has not provided me proper debt validation for alleged debt. I requested the original contract with Self Financial with my signature, I requested my payment history with Self Financial & a proof of debt assignment. They have not provided any of this information. Please delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Midwest Resale Specialist, Inc.
State: MN

Complaint narrative:
I have gotten repeated phone calls from " Midwest Resale Specialist. '' I have never worked with these people, nor given them my information. At least twice a week, I get a voicemail with the same robotic recorded message. Despite having blocked every number they have used to contact me, I have still been getting these voicemails. I delete their voicemails, so I don't know the dates, but this has been going on for months now. It is constant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: IL

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-11-19 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: NV

Complaint narrative:
I recently discovered multiple accounts and inquiries on my credit report that I never authorized, never opened, and have absolutely no connection toand the shock and frustration this has caused me is overwhelming. In XX/XX/XXXX, I found out that several credit cards were listed under my name even though they have nothing to do with me. This has shaken my peace of mind and made it painfully clear that I am a victim of identity theft. The fraudulent accounts showing up on my report are : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-19 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: IL

Complaint narrative:
I am submitting this formal complaint against Experian, Equifax, and TransUnion regarding the repeated reporting of unauthorized, inaccurate, and unverifiable inquiries on my credit reports, in violation of FCRA 619 [ 15 U.S.C. 1681q ], 604 ( a ) [ 15 U.S.C. 1681b ( a ) ], and 604 ( f ) [ 15 U.S.C. 1681b ( f ) ], which strictly govern permissible purposes for accessing consumer credit information. Despite prior disputes and removal requests, numerous inquiries continue to appear on my reports without my authorization, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian, Equifax, and TransUnion. These inquiries were not authorized by me and were not for a permissible purpose, making them inaccurate, unverifiable, and misleading. The continued reporting of these unauthorized inquiries misrepresents my creditworthiness, undermines the integrity of my credit file, and constitutes a violation of federal law, causing ongoing harm to my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: PA

Complaint narrative:
Account # : XXXX ( XXXX XXXX XXXX ) This request is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), as this account has not been fully or properly verified, nor have the legal standards for its reporting been met.

1. 15 U.S.C. 1681 Section 602 ( a ) : Right to Privacy The law establishes that I have the right to have my personal and credit information handled with strict privacy.

2. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Written Authorization A credit reporting agency may not report information or create an account on my credit file without my written authorization, which does not exist in this case.

3. 15 U.S.C. 1681e ( b ) : Obligation of Maximum Possible Accuracy Credit reporting agencies must ensure that all information is accurate, verifiable, and complete.

The referenced account does not meet this standard.

4. 15 U.S.C. 1681i : Reinvestigation of Disputed Information When an account is disputed, the agency is required to conduct a reasonable reinvestigation.

If the information can not be verified, it must be deleted immediately, which applies here.

5. 15 U.S.C. 1681c : Information That Can not Be Reported The FCRA limits the type of information that can appear on a credit report.

If this account is obsolete, incorrect, or does not meet legal criteria, it is not reportable.

6. 15 U.S.C. 1681s-2 ( a ) : Responsibility of Information Furnishers The furnisher that reported this account to the agency is required to ensure that the information is : accurate complete verifiable These obligations have not been met.

7. 15 U.S.C. 1681b : Permissible Purposes My credit information may only be used or reported for a legally valid permissible purpose.

This account was reported without a permissible purpose and without my authorization.

Based on all the legal provisions listed above, I demand the immediate and permanent deletion of Account # XXXX from my credit history, as its reporting constitutes a direct violation of my rights under the FCRA. 

I also request written confirmation once the account has been removed, as required by law. 

Thank you for your prompt 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 2025-11-19 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:
Subject : Complaint Regarding Cash Apps Inadequate Fraud Prevention and Customer Support I am submitting this complaint because Cash App allowed almost {$10000.00} to be transferred to a user using a fake identity, in 52 separate transactions, even after I reported being manipulated and scammed. Cash App refused to properly investigate my case and denied my refund claim solely on the basis of authorization, even though my transfers were coerced and fit a clear scam pattern.

These are the exact failures cited in the CFPBs recent enforcement action and multimillion-dollar settlement against Cash Apps parent company. Cash Apps systems failed to detect obvious fraud, and customer service failed to support me as a victim. I am requesting that the CFPB force Cash App to re-review my case, issue full restitution, and improve its anti-fraud protocols as required by recent regulatory action.

I can provide all related evidence, including correspondence with Cash App, transaction records, and evidence of the recipients fake identity.

The woman, pretending to be my girlfriend, used a fake name, a fake identity, and the profile picture was of a woman using a smartphone to obscure her face. The woman pretending to be my girlfriend is named XXXX XXXX XXXX ( XXXX XXXX ). However, she used the handle " XXXX '' to receive funds from me. She deliberately did this, knowing that if caught, she could easily state that that isn't her name, and that it is another person. I have corresponding text message communication between me and her, and the accompanying financial demands that corroborate the fact that " XXXX '' is her. She can run, but she can't hide. 

I expect meaningful action and will escalate this matter publicly and legally if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NV

Complaint narrative:
I recently discovered multiple accounts and inquiries on my credit report that I never authorized, never opened, and have absolutely no connection toand the shock and frustration this has caused me is overwhelming. In XX/XX/XXXX, I found out that several credit cards were listed under my name even though they have nothing to do with me. This has shaken my peace of mind and made it painfully clear that I am a victim of identity theft. The fraudulent accounts showing up on my report are : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-19 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: NV

Complaint narrative:
I recently discovered multiple accounts and inquiries on my credit report that I never authorized, never opened, and have absolutely no connection toand the shock and frustration this has caused me is overwhelming. In XX/XX/XXXX, I found out that several credit cards were listed under my name even though they have nothing to do with me. This has shaken my peace of mind and made it painfully clear that I am a victim of identity theft. The fraudulent accounts showing up on my report are : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation