vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: NC

Complaint narrative:
Beginning the first week in XXXX Reguons Bank blocked a transaction from XXXX debit card, then blocked the card itself. After approving the transaction, the bank continued to block the card and payment until I spent 2 hours being transferred to departments unauthorized to assist with the problem. Finally, with the merchant on the phone they unblocked and paid the amount due. Since that time the bank has constantly blocked transactions and card use regardless of my opposition to the block. This has persisted for three or four months causing creditors to cancel accounts and rendering the card useless. No explanations!

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 2025-08-05 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: Kriya Capital, LLC
State: TX

Complaint narrative:
there was a late fee posted on my credit report. that i didn't authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: Security Credit Services, LLC
State: TX

Complaint narrative:
there was a late fee posted on my credit report. that i didn't authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NC

Complaint narrative:
accounts below showing up on my credit report have not been authorized by me and need to be deleted. the accounts list are fraudulant. 

XXXX XXXX XXXXXXXX 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 2025-08-05 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: EQUIFAX, INC.
State: FL

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : 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 : {$890.00} XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), to formally dispute the abovereferenced entry on my credit file. The listing shows a chargeoff by a thirdparty debt collector ( XXXX XXXX XXXX  ) on an account that I do not recognize, and which I did not open or authorize. 


XXXX. FCRA Section 611 ( 15U.S.C. 1681i ) Under Section 611, I am exercising my right to dispute the completeness and accuracy of items in my credit report. You are obligated to investigate this dispute and either verify the information with the furnisher or delete it within 30 days of receipt of this notice. If you are unable to verify, you must permanently delete the entry from my credit file. 

XXXX. FCRA Section 623 ( 15U.S.C. 1681s2 ( b ) ) The entity that furnished this informationXXXX XXXX XXXX also required by law to conduct an investigation when notified of a dispute from a consumer. If they can not provide competent and verifiable documentation proving the debt is mine, they must instruct CRAs to remove the entry within the same 30day timeframe.

3. FDCPA Protections ( 15U.S.C. 1692 et seq. ) As this is a thirdparty debt collector, FDCPA provisions apply. The collector must provide validation of the debt if I request itin writingwithin the required timeframe. If they do not validate, they must cease collection activities, including furnishing information to CRAs. 

4. Unauthorized sale, transfer, or furnishing of consumer information My personal information and alleged debt appear to have been sold or transferred to a third party without my knowledge or consent. While FCRA requires authorization for certain purposes, the lack of authorization and the absence of verification violate the requirement that furnisher must have a lawful basis and maintain accurate data. I did not provide consent for the sale or transfer of my personal data or purported debt, and I dispute its accuracy.

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 2025-08-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
No information was sent to me other than the fact they sent me something saying the debt was mine. They did not send the information I requested as I did not ever live at this place they claimed me to live at.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.CRICHARD BERGER. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following items : mortgage loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mortgage loan account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax These items have resulted in other several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I've attached an affidavit of truth, proof of identity, proof of address and a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I have also attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim.

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked : XXXX XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: MI

Complaint narrative:
I have disputed multiple inaccurate items on my Experian credit report. Experian has verified these items without providing documentation or proof of how the accounts were verified. I have requested a Method of Verification under FCRA 611 ( 15 U.S.C. 1681i ), but Experian has failed to produce the required details or supporting documents.

This is a violation of my rights under the FCRA, FACTA, and Metro 2 reporting standards. Experian has failed to correct or remove unverified accounts, despite multiple disputes and supporting documentation provided by me. I am seeking the Consumer Financial Protection Bureaus assistance in compelling Experian to provide full documentation of verification or remove the inaccurate accounts from my 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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The bankruptcy records on XXXX XXXX XXXX  was removed. Why is Transunion still reporting on my end?! Please remove it on my credit report because I am telling you that it does not belong to me! I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-08-05 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: MI

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
EXETER FINANCE LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research EXETER FINANCE LLC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
CASH RECEIPT DEPOSIT and ACCOUNT DATA AND INFORMATION on that specific day! Cause WELLS WROTE COUNTERFEIT and said I had used my account! Whereas I say somebody inside the bank or an intruder stole my entire CHECK AND CASH DEPOSIT! 

I opened an account, made a cash and check deposit. Approximately XXXX USD but I actually back off a little because I don t have the CASH RECEIPT! So we look for whatever it says on the ACCOUNT STATEMENT and not what I can t prove at this time. I got on the XXXXXXXX XXXX and I was bound for XXXXXXXX XXXX. On the actual bus I used my Presario dual processor notebook computer and the XXXX XXXX XXXX to check on my funds! Said {$0.00} balance and I decided to sleep. And hope for the best and that my fund will be there in the morning! But, no! I was very sad. 

STORY So I that is when our XXXX with XXXX another started. I want my money and they XXXX t have my money. So I can t have my money! And I report the XXXX bank cause I want my money back! I am XXXX XXXXXXXX. XXXX XXXX XXXX citizen as of XX/XX/XXXX number XXXX and my country of origin should this have something to do with this is XXXX. I am good looking man who now reside in a public shelter instead of in a nice home, like I used! I have XXXX for sale {$410000.00} USD in XXXX XXXX XXXX is XXXX! But that is a different story! XXXX gave me a prison number XXXX, wrongful XXXX and XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX. A XXXX civil liberties violation act of my amendment XXXX right! And before this I was GARNISHED in a number of work places! So I think there is a link between all of this of XXXX XXXX social security number XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX. Garnished on my paycheck in XXXX states XXXX XXXX XXXX XXXX XXXX Together and all in all for close to {$18000.00} USD between todays date and XXXX. Maybe since XXXX. My tXXXX refunds are also withheld and being asked for CHILD SUPPORT! See I am XXXX so when I can t pay the STATE must by law PAY! So now XXXX hold my renewed passport and passport card! And I am a PLAINTIFF and this I need a bank who can hold funds! Without stealing them and or close my account in front of my face when I try to live a LIFE! So I have attached all of WELLSFARGO 'S paper and account XXXX END! I am in a public shelter and I look for a way out of this! I use welfare and i am XXXXXXXX XXXX  is on XXXX and Wells Fargo! This wrongful XXXX case we ask {>= $1,000,000} XXXX USD! Settlement! Dismissed, no retrial, free against no bail and DEPORTED from XXXX Cause Amendment XXXX and XXXX XXXX as well as XXXX POLICE STATION make UNSAFE environment foXXXX XXXX  people from XXXX. And XXXX. I am 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 2025-08-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased a pick up order that I purchased with my chase credit card I use foXXXX XXXX XXXX. The app asked me if I wanted to add a XXXX drink to my pick up order, which I had never done before ( or after this one time ) and I agreed. Thinking the transaction was added to my XXXX  card, I found out XXXX  months later that it was added to my target credit card which was never activated and has not had a purchase on it since the old card expired in XX/XX/XXXX. I found out this even occurred because of the app/online service XXXX XXXX  XXXX I was never contacted about a late payment and because I havent used the credit card in XXXX  years, I didnt check the statement or balance. Infact, I received a letter in the mail over XXXX XXXX  ago they would cancel my account if I didnt use the credit card and I never did. I also still have the activate sticker on the target credit card. I believe this card should have never been charged because it was not authorized to. And now what was once perfect credit with a excellent credit score has gone done because of a charge I was unaware of on one iced coffee drink. I have asked target to review it which the first person I spoke to refused. I called back and was transferred numerous times until someone finally made a report. Unfortunately this report/investigation says what they reported is correct. I have already paid for the charge and XXXX dollars over due to it being late and believe this late payment should be taken off my credit because it was an unauthorized charge/should have been charged to the credit card the rest of my pick up order was put on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX XXXX XXXX, Balance : {$8300.00} 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 : {$6100.00} ONEMAIN - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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