vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 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: IL

Complaint narrative:
I am a victim of data breach which has left me feeling vulnerable and distressed, inaccurate accounts were opened in the incorrect name without my knowledge or consent causing significant harm to my credit standing. I am determined to take the necessary action to clear my name, protect my identity and restore my financial well-being. I am requesting these negative accounts, incorrect names and addresses be removed from my credit profile as they do not reflect my financial history. I have attached my FTC report and copy of my verification of my correct name and address.

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 2025-09-01 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-01 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} Unauthorized Inquiries to Be Deleted : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : 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 2025-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CHRISTUS HEALTH
State: TX

Complaint narrative:
We received an invoice from TLRA, " The Collection Division of Christus Health. '' about a debt due for a hospital bill. I do keep records of bills paid, dates, etc. 
TLRA is located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Texas, XXXX. 
I contacted the collection division on XX/XX/XXXX and explained that the check for the bill had already gone through our bank, and I gave them the check number and date the check went through my bank. 
I was informed that the person could see it was posted on their end, but never credited to our account. She asked me to call back in two days. 
I called back in three days, on XX/XX/XXXX and was told the issue was " under review '' and nothing had been done about the debt being pulled from our account. I was told that it always takes at least 10 days to resolve any reviews, and that I should call back. 
I was told ( probably at least 2 times ) that someone would call me back to discuss the issue. But no one ever called. 
I called again on XX/XX/XXXX ( after XXXX ) and was told that the issue was " under review ''. The person I talked to this time was XXXX  XXXX. She told me to send her an image of the canceled check. So I sent it same day, AND I called her to make sure she had it and it had not landed in her spam box. She confirmed that she could see the check, and she would escalate it to a supervisor. 
In the meantime we received another letter stating that " We have not heard from you and you have an outstanding debt. '' I called again on XX/XX/XXXX and told them I wanted to speak to a supervisor because we needed to resolve this ongoing issue TODAY, but was denied the request to talk to a supervisor. 
We do have some of these phone calls recorded for our records. 
The final call with TLRA was when a supervisor ( FINALLY ) called back in XXXX, XXXX and she said she would, " Take care of it today. '' We are now receiving phone calls from " XXXX XXXX, XXXX '' who now has authority to collect this same debt that we do not owe. XXXX  of dollars must have been spent NOT taking care of this issue, and we are very concerned that corruption and fraud is involved in the accounting management of TLRA. 
We will not speak with them again except through a lawyer, and we will be sharing this information with anyone that may have authority to take action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
name : XXXX XXXX XXXX SSN last XXXX : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. this fraudulent, inaccurate and false information consists of a personal credit account opened at XXXX XXXX  XXXX  ( XXXX XXXX ) on XX/XX/XXXX account # XXXXXXXX XXXX XXXX XXXX for amount {$1000.00} another medical account opened at XXXX XXXX XXXX ( XXXX  XXXX ) on XX/XX/XXXX account # XXXXXXXX XXXX XXXX XXXX amount of {$1400.00} another medical account opened at XXXX XXXX XXXX ( XXXX  XXXX ) opened on XX/XX/XXXX account # XXXXXXXX XXXX XXXX XXXX  amount of {$1500.00}. these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. ive attached a list of the hard inquiries in question ALL hard inquiries showing on my report are as a result of fraud as well as a copy of the FTC criminal complaint report as none of the accounts above were not opened, made, or initiated by me. all of the aforementioned accounts are the results of identity theft and or fraud.

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 2025-09-01 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$990.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$66.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} Unauthorized Inquiries to Be Deleted : XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX  Date : 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 2025-09-01 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: CA

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed. 


TANSUNION is reporting a bankruptcy/public record on my credit file that is inaccurate and unverifiable. Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to maintain maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and reinvestigate disputed information within 30 days ( 15 U.S.C. 1681i ). 

BANKRUPTCY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I'm on social security XXXX. Let me just start by by saying that I can not walk or use XXXX of my arms due to my disabledness! So therefore I can not move around. I was a victim of fraud I got lettered in the mail telling me that all my information was loaded onto the dark web my social security number my address my phone number my parents maiden name! And someone had stalled my information from Bank of America! They was using my card in XXXX XXXXXXXX XXXX XXXX XXXX I've been getting took care of from my mother that stays in XXXX California I have proof that I was a XXXX at the time and my mother was taking care of me! I never been to XXXX in my life or my mother! And I never gave no XXXX permission or authorization to use my card! 

Over XXXX $ was stolen out my account in XXXX XXXX! 

I called Bank of America right away and try to dispute it! Sent me a letter three days later denying my dispute saying that I used the card or I authorized someone to use it! Like I mentioned in beginning I'm more social security I can not walk or use my hand I've never been in XXXX XXXX I got proof that I was in XXXX! I never gave no XXXX authorization my information was stolen from me! 

I got multiple proof that my information was stolen I got alerts over XXXX times that my social security was taken off the dark web plus information! 

I was trying to mail them the information but I had to wait to get it and have to have my mom help me with it I am XXXX they denied my claim before I could even send them the proof of me being a victim of fraud! 

And I asked for video of the ATM footage are details of the person they couldn't even give me the details or the footage! It wasn't me or no one I know the person who took the money did it illegally and unauthorized! 

This situation is putting me in a stressful situation I had been XXXX over XXXX times over anxiety attacks over the situation! 

They are illegally denying my claim without giving me no type of proof or evidence while I have order proof and evidence that I was in XXXX XXXX getting fed by my mother and my card was getting used an authorized in 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 2025-09-01 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:
My credit profile is inaccuratewhich is not fair for me. Please investigate this and fix it. I'm really sick and tired of this. Should there be any updates on my inquiries. I'm gon na go to court.

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 2025-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
The vehicle was totaled in car accident due to inclement weather, no blame was place upon me. I almost died in this accident. I have not had this vehicle in my possession since then XX/XX/year>. It deemed totaled.

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 2025-09-01 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: LA

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under 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 non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I discovered that my TransUnion credit file contained two Social Security Numbers, which is incorrect. I only have one valid SSN. This error has caused a mixed file, resulting in repeated mishandling of my disputes. 
more than a year, I disputed several tradelines XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has already deleted all of these accounts and my XXXX  credit score is now 811 ( Exceptional ). However, TransUnion continues to report these accounts as charge-offs/settlements and has repeatedly verified them, even though they are inaccurate and inconsistent with other bureaus. 
In addition, Experian continues to report XXXX # XXXX, which caused a XXXX FICO score drop ( XXXX XXXX on XX/XX/year> ) even though no new information was reported. 

This situation shows : Incorrect personal information in my TransUnion file ( wrong SSN + wrong name ). 
Failure to conduct a reasonable reinvestigation of my disputes. 
Inconsistent reporting across credit bureaus. 
Consumer harm due to suppressed credit scores and financial disadvantage. 

I am requesting that TransUnion immediately correct my personal information ( name + SSN ), re-investigate and delete the inaccurate accounts, and provide me a corrected report. I am also requesting Experian delete I am requesting that TransUnion immediately correct my file to reflect only my true SSN, re-investigate and delete the inaccurate accounts, and provide me a corrected report. I am also requesting Experian delete the XXXX line XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX tradeline to ensure consistency with 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 2025-09-01 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: LA

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing a fraudulent account reported under my name. I never consented to, applied for, or opened this account. Its inclusion on my credit report is an error that negatively impacts me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: Block, Inc.
State: MN

Complaint narrative:
I had my account permanently banned on Cash app for violating the terms of service. I think it was because I was a victim in a XXXX XXXX  situation where my perpetrator forced me to use my cash app and I believe that thats why I violated the terms of service and I explain that to them I even offered to give them the case number for the charges and trial that the perpetrators facing in order to try to get my account back, but they declined and refused to open my account back up and are refusing to give me my {$44.00} thats in my account.

Company response to consumer: Closed with explanation