vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: SC

Complaint narrative:
I am writing to dispute the following fraudulent information on my credit report. I recently discovered that an account was opened in my name without my knowledge or authorization. 
XXXX XXXX : XXXX XXXX ( Original Creditor : T-Mobile ) Account Number ( last XXXX digits ) : XXXX Balance Reported : {$130.00} Date Opened : XX/XX/year> This account is the result of identity theft. I did not open this account, nor have I ever authorized anyone to do so In accordance with the Fair Credit Reporting Act ( FCRA ) and supported by the Federal Trade Commission ( FTC ) Identity Theft Report included with this letter, I request that this fraudulent account be removed from my credit file immediately.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX. 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

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 2025-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd

Complaint narrative:
Hello there. I started to use Wise and got my first salary on it, Wise accepted it, in few days I tried to send money to my friend and Wise just blocked my account without any reason given on XXXX and told that i need to refund money to my XXXX  XXXX  account. Which I did. Through Wise using swift transter to my XXXX XXXX. Wise sent money using correspondent bank XXXX XXXX XXXX, on XXXX they stated that money are send, as it is now my payment is trackable by XXXX and says its still on XXXX XXXX side just stuck, more than 2 weeks already!!! Wise support just says to wait, but all appropriate time terms are done for it, my money are being unlawfully withheld and no one helps me or tells me anything. To be clear I sent MY money from MY WISE to MY XXXX XXXX I need my money back! Just now they sent message that they can not guarantee my transfer so fraenkly speaking telling me my money are lost!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: TN

Complaint narrative:
On XX/XX/XXXX, I mailed a formal dispute letter to Equifax regarding inaccurate and incomplete information being reported on several of my accounts. Despite my dispute, Equifax continues to inaccurately report late payments, even though some accounts show no late payment data in the payment history. 
Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported late despite no late payment data. 

XXXX Account XXXX. XXXX Reported late despite no late payment data. 

XXXX Account XXXX. XXXX Reported late despite no late payment data. 

XXXX Account XXXX. XXXX Reported late for XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX Reported late despite no late payment data. 

XXXX XXXX Account XXXX. XXXX Reported late for XX/XX/XXXX. 
Equifax is reporting late payments on accounts where no data exists to substantiate such reporting. 

Where dates are listed ( XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX ), the reporting is inaccurate and unverifiable. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), Equifax must conduct a reasonable reinvestigation of any disputed information.

Under 15 U.S.C. 1666b, creditors may not assess late fees or report late payments without proper notice and billing provided within the required timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
In XX/XX/year> I made a {$360.00} loan payment through FNBO Bill Pay ( confirmed on my bank statement XX/XX/XXXX ). Due to a teller error, the funds were misapplied into another account I did not authorize. FNBO never notified me when the payment failed, which is a basic duty of loan servicing. I reasonably believed it was complete and later used those funds. I was first told I missed a payment only when collections called. I disputed this twice, but collections still debited my savings account without my authorization and without telling me which account would be hit, creating serious risk of financial harm. Both the Branch Manager ( XXXX XXXX ) and Branch Coordinator ( XXXX XXXX XXXX admitted this was teller error. While in the branch on XX/XX/XXXX the system was down, and afterwards with a call, XXXX refused to provide her supervisors contact, saying she could resolve it herself, then ended the conversation saying it was going in circles. XXXX also refused to escalate beyond XXXX. Haleys subsequent out-of-office response even contained the wrong year and dates, showing lack of professional oversight and reliable communication. I was only given vague ACH setup instructions and no resolution. FNBOs mistakes and failures to notify have forced me to effectively cover XXXX twice and now face XXXX again, while the bank denies accountability.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

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 2025-09-05 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:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
Innovis XXXX XX/XX/XXXXReporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent
and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-05 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: MA

Complaint narrative:
I am writing to you as the holder of account number XXXX for my credit card, to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. 
Below are the details of the affected payments : Date of reported late payment : XX/XX/year> 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 2025-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NC

Complaint narrative:
On XX/XX/year>, sent a direct message to Mohela asking what my new interest accrual rate was as the XXXX plan was struck down. I have received no communication in return about my inquiry as I am trying to avoid compounding interest on my balance. I then submitted a payment on XX/XX/year> and their site says it will take XXXX business days to process. When I login to my portal there is no evidence that the payment was ever made or even being processed or pending.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-05 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: CA

Complaint narrative:
I am writing to formally dispute a public record that has been erroneously or fraudulently associated with my name and personal information. I believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. It appears that my identity has been used fraudulently. I have taken steps to address this issue with the relevant authorities and will be filing a report. 

I would also appreciate your assistance in removing this fraudulent record from the public record as soon as possible. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''.

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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates XXXX XXXX XXXX [ XXXX, VA XXXX ] Subject : Request for Debt Validation To Whom It May Concern, This letter is being sent to you in response to your recent collections added to my credit report regarding the alleged debts identified in the amounts {$1700.00} and {$1300.00}. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide proper validation of the debt, including the following : The amount of the alleged debt ; The name of the original creditor ; A copy of the original signed agreement or contract ( if applicable ) ; Verification that you are legally authorized to collect this debt ; A complete payment history, showing how the alleged amount was calculated. 

Please be advised that until you provide proper validation, you are not permitted to contact me about this debt, nor report it to the credit bureaus. 

If you can not provide the requested documentation, you are required by law to cease all collection activities and remove any negative entries you may have reported to the credit reporting agencies regarding this debt. 

This is a formal request, and any further collection activity without proper validation will be considered a violation of the FDCPA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Netspend Corporation
State: FL

Complaint narrative:
I received a pre-paid Netspend XXXX credit card for the sum of {$50.00}. Called them earlier today to try to use the card. They said I had to activate it online to get full value of card. They wanted lots of personal information including a SS # or passport # to activate this pre-paid card. They said it was required under XXXX  XXXX XXXX. I refused to give them my SS # and gave them my passport # which was expired. 

They would only do a conditional activation to the sum of {$8.00} because I refused to give them my SS #. Netspend phone is XXXX. 

This sounds very fishy to me and I told them I was reporting them for what I felt is consumer fraud. I have had other pre-paid cards before and never had to go through these hoops. 

I asked if they would refund my money and they said they would not. 

An address they provided in an email when I tried to " activate the card is this : Ouro Global , Inc . 
P.O. XXXX XXXX XXXX, TX XXXX Phone : 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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the reporting of inaccurate and fraudulent information on my consumer credit file. This demand is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block and remove information that results from identity theft or is otherwise inaccurate.

The following account ( s ) must be blocked and deleted immediately as they are the result of identity theft and/or are reporting false information : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Type of Inaccuracy : ( Identity theft / Fraudulent account / Inaccurate reporting ) Legal Basis Under 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency is prohibited from reporting information in a consumer file that the consumer identifies as resulting from identity theft, once the consumer provides the required proof. I have enclosed the following supporting documentation : Copy of my government-issued identification Proof of address ( utility bill or bank statement ) Copy of my FTC Identity Theft Report / police report ( if applicable ) This serves as notice and demand that you are required by law to : 1. Block the reporting of the fraudulent/inaccurate account ( s ) within 4 business days of receipt of this letter.

2. Provide me with written confirmation of the actions taken, including the deletion of the fraudulent/inaccurate account ( s ).

3. Refrain from reselling or re-reporting this inaccurate information to any third parties.

Damages & Liability Failure to comply with this demand constitutes a violation of the FCRA, exposing your agency to civil liability under 15 U.S.C. 1681n and 1681o, including statutory damages, actual damages, attorneys fees, and punitive damages.

Conclusion This letter serves as my good-faith demand for the immediate deletion of the above-referenced information. If you fail to comply, I will pursue all remedies available under federal law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and initiating a civil lawsuit.

Please provide me with written confirmation of your compliance within 15 days of receipt of this letter.

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