vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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 letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { XXXX } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties you are damaging my reputation and damaging my creditworthiness. 

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization PLEASE UPDATE MY NAME IN YOUR SYSTEM XXXX XXXX XXXX ( ID AND XXXX CARD INCLUDED ) NAMES THAT DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX I HAVE NEVER LIVED XXXX XXXX XXXX XXXX IL XXXX WHITE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ACCOUNTS THAT ARE NOT MINE XXXX OPENED XX/XX/XXXX AMOUNT {$28000.00} IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$820.00} IDENTITY THEFT INQUIRIES THAT ARE NOT MINE 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 2025-10-27 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: WA

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-10-27 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: TX

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, CHALLENGED OR NOT.

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 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Wave Financial USA Inc.
State: OR

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Wave XXXX XXXX regarding a fraudulent transaction that occurred through their Wave Accounting / Payments platform. 

Our small business, XXXX ( XXXX XXXX XXXX  ), discovered that a customer named XXXX XXXX initiated a fraudulent order and payment through Wave on XXXX [ insert date ]. We immediately notified Wave and requested urgent help to dispute and stop the transaction. However, Wave took no timely action to block or report the fraudulent activity.As a result : We were charged a {$70.00} wave transaction fee and a {$15.00} bank fee.The fraudulent customer initiated a chargeback, and Wave demanded repayment from us even though the fraud was clearly reported in advance. 
Our bank, XXXX, acted quickly to secure the funds, but Wave provided no assistance or documentation. 

We requested that Wave : 1. Provide official documentation confirming that the fraudulent customer ( XXXX XXXX ) XXXX bank ( XXXX XXXX, ending in XXXX ) actually debited Waves funds for this transaction. 
2.Contact the fraudulent customers bank to submit a chargeback dispute and keep us informed of any progress 3. A full refund of the {$85.00} in fees charged to us. 
4. Written confirmation that Wave has reported the fraudulent customer to the relevant bank.

5.Immediate withdrawal of Waves repayment demand to XXXX This mishandled fraud case has caused both financial and operational damage to our small business. We request the assistance of CFPB to investigate and ensure a fair resolution. Thank you very much!

Company response to consumer: Untimely response
Consumer complaint received 2025-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX while visiting a friend when I came out the car was gone, my purse and everything was inside, I never got any notification from the bank that the car was going to be repossessed. After passing the hard moment of loosing my car, I came on this website and see the normal process of a repossession, and the Bank never sent me a notification, neither via email, or by mail saying that my car was going to be repossessed within x amount of days.

The worst part was receiving a letter by email a couple of days latter of the repossession from a Debt Collection Law firm, regarding my car and the entire amount.

Without using the proper channels, like selling the car first on an auction market and the rest will go to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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 wish to highlight that these accounts were opened without my consent, indicating potential fraud. I request a comprehensive investigation into these accounts and their immediate removal from my credit report. Enclosed are documents supporting my claims. I appreciate your swift attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : 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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: FL

Complaint narrative:
Creditor : Kikoff Date First Reported : XX/XX/XXXX The information reported regarding this account is either inaccurate or incomplete. Under the Fair Credit Reporting Act ( FCRA ), all data furnishers and credit reporting agencies are mandated to ensure that consumer information is entirely accurate, verifiable, and complete prior to reporting.

Despite my efforts to address this matter directly with both the credit bureaus and Kikoff, the detrimental reporting continues. Consequently, I respectfully request a comprehensive investigation by the Consumer Financial Protection Bureau ( CFPB ) into the accuracy of this account. I submitted a full payment of {$55.00}, which was the last balance for the account on XX/XX/XXXX, XXXX, and was informed the account would be updated, but 30 days later, nothing happened. I asked if it would be updated and it was on XX/XX/XXXX on XXXX with a balance of {$30.00} which has not changed back to {$55.00} as of today Should the data furnisher not have provided me adequate documentation verifying the correctness of this account and its reported status, I request its prompt removal from my credit report across all consumer reporting agencies.

Thank you for your attention to this matter and for your assistance in upholding my rights as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I hope this letter finds you well. I am writing to request your assistance in updating certain accounts reported on my credit file. After reviewing my report, I identified information that appears to be outdated or inaccurate. I kindly ask that my credit report be corrected to ensure it accurately reflects my current financial standing.

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 2025-10-27 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Majority USA, LLC
State: TX

Complaint narrative:
I opened a Majority account and deposited {$100.00} and later {$400.00} on XX/XX/year> using a debit card. Shortly after the deposits, I found my account locked and I was not able to access the funds.

Then I received email from Majoritys support team asking me to provide additional verification, including debit card statement and a selfie of me holding my government-issued ID. I am totally fine to provide my card information as requested but declined to send a selfie for privacy and
security reasons. I have let Majority team know about this but they won't fix the issue.

Then I asked Majority to simply return my deposited funds to the same debit card I used for funding and close the account. They refused to refund the money unless I provided the selfie, effectively holding my funds hostage.

I believe this is an unfair business practice. My request is straightforward I want my original deposits ( {$500.00} total ) refunded to the same funding source and my account closed.

I have contacted their customer service, by email and also by phone. But they have not resolved this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes.

Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-10-27 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: MA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: VA

Complaint narrative:
I had fraud on my account starting XX/XX/XXXX. They took my bitcoin and money from my XXXX XXXX XXXX  that was linked to my Cash App account. They did not lock my account during the investigation even though I told them it still says they were in my account. During the investigation, the hacker tried to take out {$40.00} through three separate transaction from XXXX XXXX. Since XXXX XXXX was already aware of the fraud on cashapp, they blocked all transactions related to cashapp. I then went into negative {$40.00} since cashapp completed and the hacker already took the money. Ive called multiple times complaining about wanting to do a fraud claim. And they say they cant because its XXXX XXXX. I called XXXX XXXX who then says its cashapp, since all they did was block the fraudulent transactions. Ive called cashapp 4 more times after that phone call and Ive either been hung up on, or still told they cant do anything. No one will tell me why. It is now XX/XX/XXXX and I was told theyll send me an email for a second time regarding this. They said it would take 24 hours. Its been 2 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: IL

Complaint narrative:
In early XXXX I resided in an apartment building that was purchased by another company during the pandemic. As a result of this, I was asked to relocate by XX/XX/XXXX and my lease was not resigned. After leaving this housing arrangement I never received notification of an outstanding balance or anything of the sort as the new owners had never previously done business with me. 

I have a court order, agreeing to dismiss the case w/out prejudice as long as I had vacated the apartment by the agreed time which did take place and can be verified with my most current leasing agreement. 

Upon checking my credit report recently I see XXXX derogatory marks on my report connected to an address I have never resided in. 

I am looking to have these matters investigated for accuracy and ultimately removed from my report as I have done so with the major credit reporting agencies ( Transunion/Equifax ) to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
In early XXXX I resided in an apartment building that was purchased by another company during the pandemic. As a result of this, I was asked to relocate by XX/XX/XXXX and my lease was not resigned. After leaving this housing arrangement I never received notification of an outstanding balance or anything of the sort as the new owners had never previously done business with me. 

I have a court order, agreeing to dismiss the case w/out prejudice as long as I had vacated the apartment by the agreed time which did take place and can be verified with my most current leasing agreement. 

Upon checking my credit report recently I see XXXX derogatory marks on my report connected to an address I have never resided in. 

I am looking to have these matters investigated for accuracy and ultimately removed from my report as I have done so with the major credit reporting agencies ( Transunion/Equifax ) to no avail.

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