vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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: TN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-14 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: NJ

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

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
So recently, I was a victim of identity that someone was using my information to open up things without my permission. They also went ahead and opened up an apartment without my permission. Ive been trying to get in contact with this debt collector. I also said number of debt validation certified, which I have proof that they have received it according to debt collecting fairness act if they can not validate the debt or the ownership of the debt, therefore it should be removed from my credit 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 2025-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: FL

Complaint narrative:
My cash app account has been accessed without authorization and I have experienced fraudulent transactions which has caused me out of pocket losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-14 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: OH

Complaint narrative:
Date : XX/XX/ To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Misreported Accounts Belonging to My Father ( Request for Permanent Deletion ) Dear Equifax Dispute Department, I am writing to formally dispute two accounts currently being reported on my Equifax credit report that do not belong to me : XXXX XXXX XXXX XXXX XXXX$1000.00} XXXX XXXX XXXX XXXX {$760.00} These accounts belong to my father, who shares the same name as me, except that I am the third generation ( Jr./III ). This is a clear case of mixed file reporting, which is a violation of the Fair Credit Reporting Act ( FCRA ). I have never opened or been associated with either of these accounts.

Per the FCRA : 15 U.S.C. 1681e ( b ) : Equifax is required to follow reasonable procedures to assure maximum possible accuracy of the information it includes in consumer reports. Reporting accounts that belong to my father under my profile is a direct violation of this requirement.

15 U.S.C. 1681i : Upon receiving notice of a dispute, the credit reporting agency must conduct a reasonable reinvestigation and delete or correct any inaccurate, incomplete, or unverifiable information within 30 days.

15 U.S.C. 1681b : Only accounts for which there is a permissible
purpose may appear on a consumer report. These accounts, not being mine, do not meet that standard.

I am including copies of my ID and any other documentation needed to verify my identity and confirm that these accounts were reported in error. I request that these XXXX XXXXXXXX XXXX  accounts be : Immediately and permanently deleted from my Equifax credit report ; Blocked from any future reinsertion without complete and verified documentation, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ; Confirmed in writing with the outcome of your reinvestigation.

If Equifax fails to comply with the FCRA, I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue all legal remedies under 15 U.S.C. 1681n & 1681o.

Thank you for your prompt attention. I expect a full resolution within the 30-day timeframe allowed under the FCRA. 

Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Hi, I have applied for a used car loan from Navy federal based on very misleading statements/advertising by their staff. ( on more than one occasion ) They tell all used car loan applicants that they will finance " 125 % of the " NADA RETAIL '' value of the used car '' This is blatantly false and in my opinion purposefully misleading statement. after applying for the loan and getting approved with a blank check. I called back and asked them how could I check the value of a car and they directed me to www.nada.com website and that they would finance 25 % over the average trade-in value.

NADA has

3 values wholesale, trade-in and retail. Trade-in values are " not '' retail values. This deceptive advertising has lowered my credit scope and wasted hours of my time. And I believe this is VERY deceptive to trick people so they could lower their risk exposure if a loan defaults. If they didnt want the risk of truly financing 125 % of retail value then don't advertise it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
XXXX what is XXXX of XXXX  when I woke up that morning, which was my birthday I found out that the funds that I had in my account were taken out and that there were checks that I didnt the mobile deposit into my account. I do not use mobile deposit at any time since Ive opened that account. I called and talked to a representative and she advised me that I should go down to the main, you know go to the actual bank I went to the actual bank, and I sat down with the person a new employee, and she was being talked through by. I guess somebody that worked in the bank I explained to them do you know that I dont use mobile deposit and then they can go back and check my history. There were two actually three checks that were put into my account and then taken back out by a company that was supposed to be like a loan company not like a payday Loan company which Ive never I never authorize anybody to go into my account to these people called me and they emailed me and text me my login information which I have no idea how they got it. I went in. I changed the password. They went back in it. These people went back in and changed my password again. The checks that were deposited were not even in my name they were of companies that were not in Tennessee. They were signed by a male whose name was on the back of these checks. I do not see how Wells Fargo let these checks go into my account without even looking at them and then let people take it back out .. they had access to my virtual card, which was used at a ATM with the pen being changed and they withdraw the money back out

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 2025-06-14 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: NC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Im unable to log into equifax account, and they said they couldnt find my information and asked me to upload some identification documents. I told them I dont have a drivers license because Im from another country. I do have a passport, and I dont have a Social Security Number I registered using an ITIN. But they responded with a bunch of explanations saying they couldnt verify my identity. I dont understand isnt it possible to use an ITIN to access a credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NC

Complaint narrative:
{$25.00} with apparently took from my Cash App checking and transferred to my savings and now Im negative in my checking on my Cash app and I didnt do none of the transactions. I dont even know where the rest of my money the dollar XXXX  was that was in my checking it. They claimed that I moved it to my savings. Well out of my savings to my checking, but theirs is., but theres no transaction to prove any of that and theres a saying that I have a card from a bank account card that isnt mine and its not on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: GA

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

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-14 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: OH

Complaint narrative:
Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Incorrectly Reported Accounts Belonging to My Father ( Request for Permanent Deletion ) Dear Experian and TransUnion Dispute Departments, I am submitting this formal dispute regarding two credit accounts currently reporting on my credit reports that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$760.00} These accounts are not mine and were mistakenly added to my credit file. My father holds the same name as I do, except I am the third generation ( XXXX ) with the same full name. These accounts belong to him, not me, and their presence on my credit file is a mixed file error, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Applicable FCRA Consumer Protection Laws : 15 U.S.C. 1681e ( b ) : Requires credit bureaus to follow reasonable procedures to assure maximum possible accuracy. Reporting another individuals accounts as mine is a failure of that duty.

15 U.S.C. 1681i : Requires consumer reporting agencies to reinvestigate disputed information and delete unverifiable or inaccurate data within 30 days.

15 U.S.C. 1681b : Information included in a consumer credit report must be relevant and legally authorized. These accounts do not meet that standard, as they are not mine. 

My Formal Requests : XXXX. Immediately delete both XXXXXXXX XXXX XXXXXXXX  accounts listed above from my credit files with Experian and TransUnion. 

2. Block future reinsertion of these accounts unless fully verified with original, signed documentation confirming I am the primary account holder, per 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Send written confirmation of the results of your reinvestigation and actions taken.

I am enclosing valid proof of identity, and I am requesting that this dispute be resolved within the 30-day timeline provided under the FCRA. Should these inaccurate entries remain, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and will pursue legal remedies under 15 U.S.C. 1681n and 1681o. 

Thank you for your immediate attention to this serious matter. 

Sincerely, 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 2025-06-14 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: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 


RE : Formal Request for Removal of Unauthorized Credit Inquiries Under 15 U.S. Code 1681b and 1681n To Whom It May Concern, I am writing to formally dispute certain inquiries that appear on my credit report issued by your agency. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, consumer reporting agencies are permitted to furnish a consumer report only under certain permissible purposes.

Upon review of my credit report, I have identified one or more inquiries for which I did not authorize or initiate a credit transaction, nor did I grant permission for these entities to access my credit file. These inquiries were made without a permissible purpose as defined by 15 U.S. Code 1681b. As such, their presence on my report is a violation of federal law.

Furthermore, under 15 U.S. Code 1681n, any person or entity that willfully obtains a consumer report under false pretenses or knowingly without a permissible purpose is liable for damages. This statute provides for civil liability against entities that violate a consumers rights under the FCRA, including actual damages, statutory damages, punitive damages, and attorneys fees. 

Therefore, I am requesting the immediate removal of the following unauthorized inquiries from my credit file : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX I request that your office investigate this matter and provide me with written confirmation of the results of your investigation, as well as an updated copy of my credit report reflecting the removal of the disputed inquiries. 

If the inquirers claim to have had permissible purpose, I request documentation of the authorization I allegedly provided. If such documentation can not be provided, these inquiries must be removed in accordance with federal law. 

Please consider this a formal dispute under the FCRA. You are obligated to complete your investigation within 30 days of receiving this notice, as per 15 U.S. Code 1681i. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Social Security Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
XXXX XXXX contacted me multiple times saying I owed {$780.00} for bad checks written at two XXXX stores. 

I do not write checks at XXXX nor have I ever been to the XXXX stores where the fraud took place. 

XXXX provided me the checking account and routing number information. I called the bank. They have no record of me ever having an account there nor is the account number a real one for their bank. I filed a police report with my local police department. 

Someone pulled my name out of thin air and apparently created a fake check with a fake account number in my name from an actual bank. 

I let XXXX recovery service know the information above. They continue to contact me demanding I fill out more paperwork and that I still owe them the money regardless. 

I contacted them via phone multiple times. I have twice filed on their website all this information. I wrote them a letter with all the information above. 

When I told them I was not paying they told me they would report me I think to XXXX and it would negatively impact my ability to write checks at XXXX of locations. 

They continue to send me documents saying I have to fill out account information and sign documents. As I stated above, I do not have an ACCOUNT related to the debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: WA

Complaint narrative:
Notorious XXXX XXXXXXXX XXXX and XXXX XXXX have destroyed my property, failed to perform on my residential lease, as well as attempted to levy junk fees that I do not owe. I have disputed these issues with them and settled in court. Despite this they have gone on to sell debt that they know is invalid to XXXX XXXX. 

I have sent a proof of debt letter to XXXX XXXX via regular and certified XXXX mail with the tracking number XXXX. XXXX XXXX did not communicate any valid debt. I followed up with a drop dead letter sent via certified mail, tracking number XXXX. Despite my demands, XXXX XXXX continues to harrass me about this debt that I do not owe.

Company response to consumer: Closed with non-monetary relief