vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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:
I am submitting this dispute regarding inaccuracies or unverifiable information found on my TransUnion credit report. I request that the following items be reviewed and corrected under the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts in Dispute : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$930.00} XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Inquiries in Dispute : XXXX  XX/XX/XXXX Late Payments in Dispute : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2025-11-26 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: ID

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: CA

Complaint narrative:
Recently checking my credit report I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries that I've found : XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX Please remove these fraudulent inquiries from my credit report

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 2025-11-26 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 am disputing the following items reported by Equifax that appear incorrect, outdated, or unverifiable : Charged-Off Accounts in Dispute : XXXX XXXX Acct # XXXX XX/XX/XXXX {$0.00} XXXX  XXXX Acct XXXX XXXX XX/XX/XXXX {$1200.00} XXXX Acct XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX Acct XXXX XXXX XX/XX/XXXX {$920.00} The accuracy of the reporting on these accounts is disputed, including the charge-off status, balance, and ownership. I request that Equifax provide proper documentation from the data furnishers or remove the unverifiable data. 

Inquiry in Dispute : XXXXXXXX XXXX XX/XX/XXXX This inquiry appears unauthorized or inaccurately listed. Please confirm the permissible purpose and remove if unverifiable. 

Late Payment in Dispute : XXXX XXXX XXXX Acct # XXXX Please verify this late payment entry with full supporting documentation or correct it if inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: AL

Complaint narrative:
I am writing to dispute the following item on my Experian credit report. The account listed below has been reported incorrectly or contains inaccurate information : CHARGED OFF XXXX XXXX XXXX XX/XX/2020 Balance : {$240.00}

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 2025-11-26 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, Wells Fargo issued an insurance check ( # XXXX ) in the amount of {$4000.00} payable to me and an auto body shop. I never received this check, never endorsed it, and never authorized anyone to sign on my behalf. My name was forged, and the check was deposited without my knowledge or consent. I have a copy of the cleared check showing the forged endorsement. 

On XX/XX/year>, I contacted Wells Fargo by phone to report the forged endorsement and request that a forged-endorsement claim be opened. I repeatedly requested escalation to Deposit Operations/Back Office . Wells Fargo representatives refused to open a claim, refused to escalate, stated no such department exists, and refused to provide written confirmation of their refusal. I remained calm and cooperative. 

As a named payee, I have legal standing to dispute a forged endorsement under UCC 3-420. Wells Fargos refusal prevents investigation, recovery, and correction of fraud involving a Wells Fargoissued instrument. 

I am requesting CFPB assistance to require Wells Fargo to : 1. Open a forged-endorsement claim, 2. Investigate the unauthorized negotiation of the check, 3. Provide written response and explanation of their refusal.

I am willing to provide copies of the cleared check and call details.

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 2025-11-26 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I am submitting this complaint regarding a secondary credit card account that was opened as a fraud replacement for an existing card ( XXXX XXXX issued by Wells Fargo ). 

The original account was opened in XX/XX/XXXX. However, due to fraudulent activity, I contacted the issuer, and a replacement card was issued in XX/XX/XXXX. Instead of updating the original account, the issuer reported the replacement as a new account to the credit bureaus with a new open date of XX/XX/XXXX. 

This has now caused significant negative impact to my credit profile. This duplicate XXXX account is inaccurately counted as an additional new account, even though I did not apply for or open a second credit line. 

This replacement was not initiated by me as a new application and should not be treated as a new tradeline for the purpose of credit scoring or lending decisions. 

I request that Wells Fargo ( WFBNA ) and/or XXXX  ( or the reporting bureau ) correct the reporting to reflect the accounts original open date, or alternatively, remove the duplicate secondary line and only report the original XXXX  account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
The current documentation reflects inaccuracies regarding my financial standing. I request a review and suitable correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: GA

Complaint narrative:
Someone tried to withdraw money out my cash app someone of whom I do not know I called cash app the second this happened to report fraud to let them know I do not know this person this person is not in my cash app contact. Cash app stated that it shows that they was trying to send money but it didnt go thru on my end it showed they was trying to take money from me but it wasnt successful I even have an email showing you someone tried to send money to they self like it was me was trying to send this person money but I did not do that so cash app said its nothing to worry about they didnt get anything a few days later cash app closed my account and said I violated their terms of use how can I violate when Im the account holder for that cash app account and I called to report fraud I did an appeal and they came back and said they closed my account nothing else they can do Im the victim here

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I have been a loyal USAA Customer for 17 years, which has been a great bank to deal with until recently. 

I ordered a pre-order item that came with an unusually long lead time. Once XXXX came around and I never received the product, I reached out to the merchant. 

The merchant drug on their customer support to eventually stop responding to me/blocking my phone number. 

So I called USAA and asked the rep if I would still be able to place the dispute and wanted to make sure they had no additional guidelines beyond what Visa has. 

The dispute was made and I provided evidence at the direction of the customer service representative by uploading it through " My Documents '' & " Upload '', selecting " Banking '' that covered credit card disputes. Eventually, to my surprise, my claim was denied and USAA cited the " banking regulations require that we receive your dispute no later than 60 days after we sent the first billing statement reflecting the error ''. This confused me, because the USAA Dispute Specialist told me that there was " No specific time limit ''. 

After calling USAA today, a new customer service rep advised me that they never received documentation. I let her know that in the " My documents '' section of my account, it shows that they were processed and routed. She said that she would be putting the notes in to re-open the dispute and for the back office to look in the " My Documents '' section. 

USAA has denied my claim and I feel that XXXX of Visa 's Core rules/Product Rules/Service rules, specifically the section that covers " Merchandise/Services Not Received '' covers my situation. 

I have XXXX co-workers in the EXACT same situation as I, they placed their order same day. XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX have sided with their customer, specifically stating that this fell under " Merchandise/Services Not Recieved ''. 

I feel that after 17 years, it is time to cut ties with USAA.

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 2025-11-26 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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
I was living in XXXX  and I was moving back to XXXX, I had just paid my gas bill and I called them and told them I was moving and needed the service cut off. Then I get a bill for over XXXX XXXX XXXX because they didnt cut off the service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
My personal information was used to open an XXXXXXXX XXXX XXXX XXXX account. With a debt amount of {$4800.00}. Credence Resource Management debt collection places a collection on my credit report. 
I did not create the account, and I do not know the individual that stole my identity to create the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: AMERICAN HONDA FINANCE CORP
State: NV

Complaint narrative:
Yes about last week or so, I have contact Honda Financial because I was in the government shutdown situation. and I could barely hear or understand what the rep was saying. I was hoping to do a XXXX month extension i just didn't know it went to XXXX months! upon checking and signing on too my account and fully looking around with the high stress they have put me through, it's somehow showing me a 2 month extension which i didn't want to!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
On XX/XX/XXXX, I made XXXX payments to my Apple card. XXXX for {$30000.00} and XXXX for {$6600.00}. This completed a 100 % payoff of my oustanding balance. 

I sold 20 % of my new businesss that I started in XXXX of XXXX for over {$220000.00} this year. The sale was delayed as it was supposed to close in XXXX. In addition, my normal $ XXXX commission payments were delayed by 3 months which reduced my cash flow significantly temporarily. I delayed paying some credit cards completely until the transaction completed on XX/XX/XXXX when the sale of my business was complete. See incoming wire transfers below. 

I was planning on taking my family on a vacation and using my Apple card, when all of a sudden, I get notified that on XX/XX/XXXX that Apple/Goldman Sachs Bank , without ANY ADVANCE NOTICE, took {$33000.00} away from my credit line with no notice and no phone call and no means of restoration. Yes, it was reduced from {$36000.00} to {$3000.00} roughly! 

This was the WORD NEW EVER! It was so embarrassing to my family and especially sad for my XXXX old daughter as we were planning to go on a trip during the summer. 

In addition, my lease for my vehicle is ending now and it's impacting my credit score as I was counting on having that {$33000.00} additional credit line, IF NOT MORE because I paid the card off 100 %. 

This is the worst credit card experience I've ever had. I had been a loyal customer of both Apple and Goldman Sachs Bank. 

i've called multiple times and noone there has ANY ability to override the computer system or ability to increase my credit score back to where it was or even {$1.00} higher. 

I am asking that a full restitution be ordered to my credit score. In addition, something should be added to the law that disallows this. They should at least just put a freeze ointment on an account until they find out more information. This caused unimaginable financial distress, and is unfair, unwarranted, and should not be legal. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Incoming wire transfer {$150000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incoming wire transfer {$75000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2025-11-26 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company 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