vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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: NY

Complaint narrative:
I am writing to demand the immediate removal of a fraudulent account from my credit report. In accordance with my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are required to block information resulting from identity theft. The fraudulent account is with XXXX XXXX ( account number ending in XXXX ), which was illegally opened on XX/XX/year>, and subsequently charged off with a balance of {$260.00}. I have filed the necessary police and FTC reports to validate that I am a victim of identity theft. Please permanently delete this fraudulent item from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: NY

Complaint narrative:
I am writing to demand the immediate removal of a fraudulent account from my credit report. In accordance with my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are required to block information resulting from identity theft. The fraudulent account is with XXXX XXXX ( account number ending in XXXX ), which was illegally opened on XX/XX/year>, and subsequently charged off with a balance of {$260.00}. I have filed the necessary police and FTC reports to validate that I am a victim of identity theft. Please permanently delete this fraudulent item from my file.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX  predatory loans never sent my items and then opened a second account without my knowledge or approval and showed two closed accounts on my credit report and have tried multiple times to ask them to send me proof but never have and just keep saying it was too late to report items not being sent and that the account mine but isnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX  predatory loans never sent my items and then opened a second account without my knowledge or approval and showed two closed accounts on my credit report and have tried multiple times to ask them to send me proof but never have and just keep saying it was too late to report items not being sent and that the account mine but isnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX, XXXX XXXX/XXXX/202 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: NCP Holdings, L.P.
State: SC

Complaint narrative:
I am writing to formally request assistance regarding an account reported on my credit file by Total Loan Services, which I believe is not mine. 

Despite multiple attempts to contact Total Loan Services by phone and email to resolve this matter, I have received no response. They have continued to report this account inaccurately on my credit reports with the major credit bureaus. 

I have attempted to call and email the company to dispute the account and request verification. They have not responded or provided any documentation to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NC

Complaint narrative:
Spoke with agent, who told me he was a travel advisor, from XXXX XXXX. He took payment in XXXX transactions. All three transactions totaled what I was told the cost of the cruise would be. Transaction # XXXX was for {$1500.00}, this was used to book the cruise, and is reflecting on XXXX XXXX end. Transaction # XXXX was {$4200.00}, done through square debit, this money was not allocated to booking. Transaction # XXXX {$2500.00} on XXXX XXXX XXXX  was not allocated but the bank has supported me and reversed the charges as they take action against merchant. Unfortunately, Square Inc. is the only financial institution not supporting their customer. Due to the {$4200.00} not being put towards the original booking, debited from my account, merchant not responding, I have reported fraud activity and Square Inc. has done nothing to help me and will not reopen the fraud claim. I have supporting evidence that money was taken, payment to XXXX not made, and correspondence with all parties. Even with all the supporting evidence Square will not support me and offer no help to recoup the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: LCI Acquisition Inc.
State: NC

Complaint narrative:
Your agency is reporting false information, which violates the FCRA, [ 15 USC 1681e ] ( b ). You are required to maintain accurate records, and your failure to do so infringes upon my rights.

Moreover, as per [ 15 USC 1681b ] ( a ) ( 2 ), I have not authorized the disclosure of my confidential information.

This breach of privacy is unacceptable and unlawful under [ 15 USC 1681 ] ( a ) ( 4 ).

I insist that you delete these items immediately. Should you fail to comply, I will initiate legal proceedingsagainst your agency. These violations amount to Aggravated Identity Theft under [ 18 USC 1028A ] ( a ) ( 1 ), a felony offense. I seek the following compensations : 1 Permissible purpose - {$1000.00} 2 Defamation of character - {$1000.00} 3 Damaged reputation - {$1000.00} 4 Damaged creditworthiness - {$1000.00} 5 Damaged mode of living - {$1000.00} 6 Infringed right to privacy - {$1000.00} In XXXX XXXX XXXX ( 2012 ), the XXXX XXXX XXXX XXXX XXXX determined that XXXX breached the FCRA by not verifying the accuracy of the information it reported to consumer reporting agencies. This case highlights the necessity for creditors to implement reasonable procedures to ensure the information they furnish is accurate. Additionally, [ 15 USC 1681s-2 ( a ) ( 1 ) ] requires consumer reporting agencies to maintain precise records. I request an immediate investigation and correction of these entries. 
Regards, XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, NC, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
On June 2930, 2025, I was the victim of a violent crime in XXXX XXXX. I was drugged and robbed by two individuals who gained access to my phone. They opened my Cash App account, sent {$1200.00} in unauthorized transfers, and then deleted the entire Cash App account, locking me out. They also gained access to multiple bank accounts spending thousands of dollars. 

A criminal investigation is underway and a formal police report has been filed with the XXXX XXXX XXXX Police Department : Case XXXX XXXX  XXXX I attempted to file a fraud claim with Cash App. However, they closed the case without allowing me to submit the police report or bank statements verifying the fraud. I appealed the denial, but again, Cash App failed to review or request any documentation that proves this was a criminal theft. 

I also lost access to the account entirely because the perpetrators deleted it, making it impossible for me to submit the claim within the app. 

Other financial institutions involved in this incident have already verified the identity theft and refunded the fraudulent charges. Cash App is the only one refusing to do so and has denied my claim without following appropriate review procedures.

I am requesting that the CFPB help compel Cash App to : Reopen the fraud claim Review all supporting documentation ( police report, bank statements, ID ) Refund the {$1200.00} in unauthorized transfers made during this criminal event

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Sent in proper documentation with my correct name and address and asked that all information be properly updated and other names and addresses 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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Sent in proper documentation with my correct name and address and asked that all information be properly updated and other names and addresses 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 2025-07-19 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: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-19 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: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: NC

Complaint narrative:
15 U.S.C. 7001 ( c ) ( ESIGN Act ) 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) 15 U.S.C. 1681a ( 2 ) ( xi ) ( Late Payments ) 15 U.S.C. 1681i ( Procedures for Disputed Accuracy ) 15 U.S.C. 1681s2 ( Furnishers Responsibilities to Consumer Reporting Agencies ) 15 U.S.C. 1681e ( b ) & 15 U.S.C. 1681i ( 5 ) ( a ) ( Accuracy Standards ) 15 U.S.C. 1681i ( 7 ) ( Verification Requirements ) The presence of the inaccuracy due to Experian Data Breach, I will be seeking legal actions if this issue is not rectified under federal laws and removed. I have contacted Federal agencies to assist me with this matter. My consumer rights have been tarnished and violated. Equifax has reported the negative information on my credit file without my consent. I have never signed any applications permitting this agency to report such information. I have requested proof, including a signed application or contract along with my valid drivers license, but the reporting Furnishers has not provided documentation or their policies and procedures regarding the FCRA. This raises serious concerns about Equifax compliance with FCRA regulations, which require a permissible purpose for accessing and reporting consumer credit information. There is no legal admissible evidence to verify the accuracy. I am requesting the fraudulent items are A. XXXX XXXX  - Reported Balance : {$6400.00}, Open Date : XX/XX/XXXX XXXX XXXX XXXX Reported Balance : {$1500.00} - Open Date : XX/XX/XXXX XXXX XXXX XXXX Collections - Reported Balance : {$96.00} - Open Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX - Reported Balance : {$5200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Reported Balance : {$2400.00} - Open Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Date of purchase was XX/XX/year> for XXXX I was suppose to get XXXX car items and only XXXX of them shipped the remaining XXXX items which did not ship were set for a refund. Since the merchant can not process partial refunds I was advised to contact financial institution. I provide everything I needed to resolve this case but they keep prolonging for whatever reason unknown to me I was told that the initial claims assistance representative did not file it with the correct reasoning and that was the delay but since than I sent in receipts, order confirmation, refund confirmation, items list showing what shipped and what didnt not, amounts for every item, confirmation from merchant XXXX due a refund, item names and etc. Every single detail and everything was include and their still giving me the run around

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 2025-07-19 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and notice had fraudulent accounts on my report please remove these accounts from my report they are hunting my abilityto obtain credit thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Transunion, I am writing to formally dispute the inaccurate and fraudulent XXXX credit card account ( Account # : XXXX ) listed on my Transunion credit report. This account was opened and used as part of a rental car scam, constituting identity theft, and does not belong to me. This is my third and final attempt to have this fraudulent account removed from my credit report. Despite previous disputes, Transunion has failed to correct this error, resulting in denials of credit and financial harm. I demand immediate investigation and removal of this account under the Fair Credit Reporting Act ( FCRA ), or I will pursue legal action for damages. The XXXX credit card account in question was fraudulently opened in my name as part of a rental car scam. I did not apply for, authorize, or use this account. While payments XXXX have been made on this account by the perpetrator, this does not negate the fraudulent nature of the account. Under federal law, fraudulent accounts must be removed from a consumers credit report, as they do not reflect the consumers legitimate financial activity. The presence of this account has caused significant harm, including denial of a mortgage application due to lowered XXXX XXXX, inability to secure favorable loan terms. This is my third dispute regarding this fraudulent account, Transunion failure to remove this account after my prior disputes violates 15 U.S.C. 1681i, which mandates a reasonable investigation within XXXX  days. The continued presence of this account on my credit report has caused tangible harm, and I reserve the right to seek damages for these violations, including statutory damages up to {$1000.00} per violation under 15 U.S.C. 1681n, as well as actual damages for credit denials.

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 2025-07-19 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: NC

Complaint narrative:
XXXX XXXX have a debt on my credit reports that is not mine.

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 2025-07-19 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: MD

Complaint narrative:
Recently I Looked at a copy of my credit and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure. Here is the account I am asking you to verify as accurate : 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 2025-07-19 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Recently I Looked at a copy of my credit and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure. Here is the account I am asking you to verify as accurate : XXXX - XXXX

Company response to consumer: Closed with explanation