vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: IL

Complaint narrative:
I am submitting this letter to request the removal of certain items from my credit file, which are listed in the attached Word document. I am a victim of identity theft and have discovered multiple accounts and inquiries on my credit report that I did not authorize or apply for. I am asking that these fraudulent items be deleted so that my credit report reflects only accurate and legitimate information. I have reported the identity theft to the Federal Trade Commission and included copies of the report for your reference. Please process the deletion of these items from my credit report as soon as possible.

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 2025-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
A person took my phone and sent money to someone ( XXXX XXXX ) via CashApp. I had a code on my CashApp, however it is the same exact code as my phone code. Unbeknownst to me, this person saw me enter my phone code. After taking my phone, again I was not aware this was happening, then tried to send several transactions on CashApp to the account mentioned above. My bank is the reason why most of the transactions didnt go through because they assumed it was suspicious activity. Only one transaction of {$200.00} was successfully completed. 

I filed a police report and I have also had to file a fraud report with my credit union. Even though the transactions were only on CashApp, the person actually tried to send 4 separate transactions, my bank stopped 3 of them. CashApps Support couldnt even see all 4 of the transactions on their end because my bank put a hold on my debit card by the second attempt, so every transaction didnt fully submit to CashApp. 

In total, there was a {$200.00} attempt ( successful ), {$130.00} attempt ( failed by bank ), {$300.00} attempt ( failed ), then {$50.00} attempt ( failed ). The only transaction that went through with my actual bank was the {$200.00} transaction. 

CashApp is saying that the transaction was authorized because it was made through my personal CashApp profile and bypassed a security feature ( the code ). I keep telling every Representative that I speak with that the CashApp code was the exact same as my phone code. I had a code to protect myself from sending the wrong person money. Ive never had a thought that someone would take my phone and send money through my CashApp. Also, I have the email from CashApp of when I changed my CashApp code the same exact day I reported the fraud. 

Fraud Transaction : CashApp Tag : XXXX XXXXXXXX XXXX XXXX XXXX : {$200.00} Date Made : XX/XX/scrub>XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: MA

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process.

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law.

Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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 formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX  # XXXX XX/XX/XXXX -- {$310.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$420.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$18000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$280.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: NY

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account appearing on my Experian consumer XXXX credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a personal loan account opened at XXXX XXXX XXXX on XXXX under account number XXXX in the amount of $ {$11000.00}. This fraudulent account has resulted in inaccurate and damaging information appearing on my Experian consumer XXXX credit report. I demand that the aforementioned fraudulent item be removed from my Experian credit report and that all collection activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws. 

This is a formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Transunion immediately block and permanently remove the following fraudulent account, including any related collections, charge-offs, late payments, and hard inquiries, that was added to my credit report without my knowledge or authorization. This account is the direct result of fraudulent activity and not any legitimate consumer transaction. This fraudulent, inaccurate, and false information consists of an installment account opened at XXXX XXXX Account XXXX. XXXX, Date Opened : XX/XX/year>. 

This account was added without my knowledge or authorization and is the direct result of fraudulent activity, not any legitimate consumer transaction. In support of this request, I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX ) along with supporting documentation, including proof that my personal data was compromised in the Experian data breach.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am currently reviewing my Equifax credit report and there are name variations reporting on my credit report that are not mine that I would like to have permanently deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Guild Holdings Company
State: AR

Complaint narrative:
Factual Background I submitted my second hardship package to Guild Mortgage on XX/XX/year>. 
Despite this submission, Guild Mortgage filed foreclosure on XX/XX/year>, less than a week later, while my hardship application was still under review. 
During XX/XX/year>, I was repeatedly asked to submit the same documents multiple times, all of which were provided promptly. 
On XX/XX/year>, after I requested an update, I received a letter dated XX/XX/year> confirming that my hardship package was complete. 
Nevertheless, foreclosure proceedings continued, and a sale date has been scheduled for XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: MI

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 have reported the theft of my identity to the Fedeal Trade Commission. Please block this information from my report, pursuant to section 605B of the Fair Credit Reporting Act

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 2025-11-06 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: EQUIFAX, INC.
State: MI

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 have reported the theft of my identity to the Fedeal Trade Commission. Please block this information from my report, pursuant to section 605B of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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 have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

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 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I just dealt with this situation a few weeks ago and they are doing it again with no explanationI am getting overdraft fees despite having overdraft protection set to come out of my savings. They are trying to charge me XXXX $ a day for overdraft protection I never consented to. I filed a complaint to try and get the money they took a few weeks ago, They did call and left a message but when I tried to call them back, they never answered and didnt call back. I am very concerned, not only with this predatory practice but with the lack of ethics and disregard for consumers ( as evidenced by doing it again just a few weeks later ).

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 2025-11-06 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: TX

Complaint narrative:
The tradeline in question is being falsely reported as a charge-off. This is factually incorrect. I settled this account in good faith with the debt collector assigned to it, and the matter was resolved in full according to the agreed-upon settlement terms. Experian refused to acknowledge multiple disputes that I have made and they refuse to remove the false reporting. In addition they keep reporting every month that it is charged off and delinquent. Possible financial refused to respond to me and will not verify I have any debt.

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 2025-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Unifin Inc.
State: TN

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX concerning on an old credit card account originally with XXXX  XXXX ( XXXX XXXX  ). The alleged debt dates back to late XXXX, with my last payment made on or about XX/XX/year>. 

Because this debt is now six years old, I believe it is beyond the statute of limitations for collection in Tennessee under Tenn. Code 28-3-109. Despite this, XXXX XXXX continues to contact me and/or report this account on my credit report. 

I do not believe XXXX XXXX  has verified the debt, and I have concerns about their right to collect or report it after this length of time. Any continued attempts to collect, communicate, or report it may be in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: CA

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XX/XX/year> Bread Financial I am a California resident and attempted to complete the online form asking them not to sell my personal information but they made it virtually impossible. First of all they required me to enter my date of birth and wouldn't allow me to simply enter it. instead I had to scroll month by month for 55 years to select my birthday. I believe this is deliberately done to try to prevent you from completing the form. I then entered my correct social security number, my correct address, name etc and was told that they could not verify my identity so to try again. I believe that they are trying to prevent me from submitting this important request. Also within XXXX hours of accepting a loan from them, I began receiving dozens of emails from companies I've never heard of. I'm extremely upset. The law allows CA residents to opt out of the sale of personal info. It should be easier to do and once the form is completed correctly, the request should be registered and followed by the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am submitting this complaint regarding the recent TransUnion data breach, which resulted in the unauthorized exposure of my personal information, including my Social Security number and credit data. Following this breach, I have been a victim of identity theft involving fraudulent activity related to college enrollment and student accounts. I have never attended any college or authorized any such accounts, yet negative and inaccurate items have appeared on my credit report as a result.

TransUnion failed to adequately safeguard my sensitive information and did not provide sufficient credit monitoring, notification, or support following the breach. This negligence has caused harm to my credit reputation and placed me at continued risk of financial and identity-related damage. I request that this matter be investigated thoroughly and that appropriate corrective actions be taken.

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 2025-11-06 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:
CFPB Complaint Narrative : Credit Reporting Violation & Identity Theft Summary of the Issue I am filing this complaint under the Fair Credit Reporting Act ( 15 U.S.C. 604, 605B, 607 ( b ), 609 ( a ), and 611 ) against Equifax, Experian, and TransUnion for failing to properly investigate and remove inaccurate and identity-theft-related items from my consumer credit reports. 

My personal information was compromised in a data breach, resulting in unauthorized inquiries, a fraudulent collection account, and inconsistent reporting across credit bureaus. Despite submitting an FTC Identity Theft Report ( # XXXX ) and supporting documentation, the credit bureaus have not deleted or blocked the disputed items as required under 605B. 

What Happened On or about XX/XX/XXXX, multiple unauthorized hard inquiries appeared on my credit file. 

XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX  each made inquiries on the same date via Equifax, without my consent or permissible purpose under 604. 

XXXX XXXX XXXX made a similar inquiry on XX/XX/XXXX via TransUnion. 

I also discovered a collection account reported by XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX  ) appearing on Experian and TransUnion, opened around XX/XX/XXXX, with a balance of {$3200.00}. 

I never opened or authorized this account. 

I have no record of any relationship with the furnisher or original creditor. 

This account appears to be the result of identity theft and should be blocked immediately under 605B.

I provided each bureau with : My government-issued ID and proof of address, A copy of my FTC Identity Theft Report ( # XXXX ), and Highlighted copies of my credit reports showing disputed items. 

I also requested a Method of Verification ( MOV ) for all items under dispute including documentation, signatures, and source of reporting but none of the bureaus have provided any evidence of a legitimate authorization or original signed agreement. 

Additionally, if the XXXX XXXX XXXX account was previously deleted and reinserted, the bureaus failed to send me the required 5-day reinsertion notice per 611 ( a ) ( 5 ) ( B ).

Applicable Violations 607 ( b ) : Failure to assure maximum possible accuracy.

604 : Inquiries made without permissible purpose or authorization.

605B : Failure to block identity-theft-related accounts.

611 ( a ) ( 5 ) ( B ) : Failure to provide notice of reinsertion.

611 : Failure to conduct a proper reinvestigation within 30 days.

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