vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$92.00} XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00} INQUIRIES : XXXX Date : XX/XX/XXXXXXXX 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 2025-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX I contacted the debt collector over the phone to get an updated amount owed and they claimed they filed a cease and desist on me and could not relay information about my debt to me. I did not receive any written notice of the filing and have been making the agreed upon payments on time since our agreement three years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: Exto Inc.
State: TN

Complaint narrative:
Used an XXXX atm to withdraw money on XX/XX/year>. I requested {$300.00}, but the ATM only dispensed {$60.00} despite it giving me a receipt saying it gave me the full amount. I immediately called the number on the atm and was told to contact my " bank '' ( Atlas ) and file a dispute and they would credit the money back. After a " review '' Atlas is refusing to credit my money back saying that I because the atm didn't give me a non dispense receipt that they can't give me my {$240.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
On XX/XX/XXXXXXXX  I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX And the following inquiries were also never authorized by me and are fraud too : XXXX inquired on XX/XX/XXXX XXXX inquired on XX/XX/XXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX inquired on XXXX XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: NY

Complaint narrative:
Cash app is holding my refund from XXXX and I was told by the representative that I will receive my funds today now there telling me XXXX XXXX refund my money yesterday

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: TX

Complaint narrative:
I am not accountable for these fraudulent accounts. Please ensure they are removed from my credit file within 15 days, per USC 1681g. Ive provided the necessary proof.

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 2025-08-08 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. 
I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Experian data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach XXXX XXXX XXXX XXXX 
Account Number : XXXX Date Opened : XX/XX/XXXX Balance Reported : {$22.00} XXXX XXXX XXXX. 
Account Number : XXXX Date Opened : XX/XX/XXXX Balance Reported : {$46000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance Reported : {$1700.00}

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 2025-08-08 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:
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 : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$5300.00} 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 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been banking with Citibank since XXXX I went into the branch on Sunday XX/XX/XXXX to withdraw {$100.00}. XXXX men got between me the first XXXX on the left grabbed my card from the machine and told me I was doing it wrong I yelled at him to give me my card back and the second one on my right also grabbed the card and said I was doing it wrong. He taped the card on the machine. i asked him for the card back and put it in my wallet and left the bank. I was nervous. I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Later the night about XXXX I got a call from Citibank asking if I was charging something at the store XXXX which i told them no. They were supposed to have stopped my card. The next day I went into to report the theft of my card. They had given me someone else card not mine. Citibank asked me to report it to the police which I did. I reported it to thXXXX XXXX XXXX Citibank gave me back some of the money. Money was transferred in my accounts at a XXXX XXXX XXXX in New Jersey. As I said I am XXXX and do not have a license to drive a car. Citibank is not refunding the money that was charged to my Thank YOU credit card. I have never taken out a cash advance for {$1400.00} and they are also saying I took the money from my cash reserve {$1500.00}. The convicts are in jail and they were caught with my card. I do not feel I should have to pay back this {$2900.00}, I was a victim of a crime.

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 2025-08-08 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: TX

Complaint narrative:
I Discovered that medical debts are still being reported on my credit report, despite the CFPB, s final rule prohibiting such practices. This rule, which amends Regulation V under the Fair Credit Reporting Act ( FCRA ), became effective on [ XXXX XXXX ] and bans the conclusion of medical debts on credit reports provided to lenders The reported medical debts are negatively affecting my credit score and may influence lending decisions. This violates the CFPB 's regulation, which aims to protect consumers from inaccurate and coercive debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: MA

Complaint narrative:
In the about reference matters, the alleged creditors claims could not be validated in court, and the case 's were closed in my favor under docket numbers XXXX AND XXXX by continuing reporting these accounts without proper validation you willfully and negligently reporting inaccurate information in violation of federal and commercial 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 explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I've been receiving multiple calls a week, some weeks it's almost every day. They've been refusing to give me the name of the company until now. The companies name is TSI, they are a debt collector. They continue to call my number looking for someone else even after I told them that they have the wrong number. This nonsense has been going on for over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
These accounts were not opened by me and I never gave consent for them. As they are fraudulent, I demand their removal under USC 1681g within the mandated 15-day period. Evidence is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am the living man, executor, beneficiary of these accounts and It has come to my attention that although I have written several letters asking for validation of debt, audit trails I am not getting any response because of the automated system you have in place which in fact is a violation as well.. 


When it comes to uploading my documents on your portal, it is difficult for the consumer to upload the pending documents needed to expedite my dispute claim. That is a violation of my consumer rights. I have reported this concern on several occasions and the problem is not being addressed. 

Today, I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws : 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 and the Gramm-Leach Bliley Act.

I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 

I did not give consent to these accounts Or give my permissible purpose to these agencies.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to 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 2025-08-08 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: PR

Complaint narrative:
According to the Fair Credit Reporting Act, account XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights, This account is listed as a charged off account. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. According to the Fair Credit Reporting Act, account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights, This account is listed with late payments. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. According to the Fair Credit Reporting Act, account XXXX XXXX XXXX XXXX has violated my rights, This account is listed with late payments. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. According to the Fair Credit Reporting Act, account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights, This account is listed as a charged off account. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. Title 15 of the United States Code, Section 602 A, states that I have the right to privacy Title 15 of the United States Code, Section 604 A, Section 2 : Also states that the credit reporting agency may not provide an account without my written instructions

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 2025-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
I previously received your communication stating that I owed {$3500.00}. I reviewed my billing statement, which reflected a balance of {$2300.00}, not {$3500.00}. The additional {$1100.00} was never explained, nor was any documentation provided to account for this difference. This lack of transparency violated the Truth in Lending Act ( TILA ), which required that all fees, charges, and the annual percentage rate ( APR ) be disclosed. Your statement failed to include this information and reflected an incorrect balance. I had requested validation of this debt, including a full itemized accounting, a copy of the original agreement, and proof of your right to collect. Until such validation was provided, you were required to cease collection and reporting of this inaccurate debt under the Fair Debt Collection Practices Act ( FDCPA ). Because you did not provide proper validation of this alleged debt, any continued collection or reporting of the incorrect balance constituted a violation of federal consumer protection laws, resulting in statutory damages. I expect Midland Funding to have corrected this error or to have provided proper validation immediately upon my prior notice.

Company response to consumer: Closed with non-monetary relief