vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. U. S. C. 
XXXX ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX CARD - Account Number : XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$700.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$2900.00} XXXX OF XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$89.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XX/XX/XXXXcredit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I was scammed by Appointment Setting Company ( appointmentsettingco.com ) after they advertised a remote appointment setting opportunity. They claimed I could earn income after completing training modules and daily outreach tasks, but in reality, the operation was a pyramid scheme designed to exploit job seekers. 

From the beginning, they pressured me to pay for their program and instructed me to open or expand multiple credit lines to cover the cost. Specifically, they coerced me into increasing my Wells Fargo credit card limit to {$4600.00} so I could pay them, resulting in a {$1000.00} loss on that account alone. I also opened or used credit from XXXX XXXX, XXXX, XXXX XXXX, and XXXX  my total loss to {$6300.00}. 

They promised that upon completion of daily work XXXX emails, XXXX messages, XXXX phone calls, and completing all training modules twiceI would be paid. I fulfilled all requirements over XXXX consecutive days. However, they manipulated their system to falsely show that I had only completed 50 % of the training. When I questioned them, they promised a resolution and refund if I canceled my disputes, which I did under pressure. 

Afterward, they stalled until the dispute windows expired. They called me repeatedly, threatened legal action via email, and scheduled Zoom meetings they recorded, clearly as delay tactics. Their misconduct included misrepresenting the nature of the job, coercing me to take on debt in my name, falsifying performance data, and using intimidation to suppress disputes. The scheme required participants to recruit others into the same scam to recover their own payments. 

The financial damage has been severe. I am now carrying {$6300.00} in debt across XXXX credit lines ( Wells Fargo, XXXX XXXX, XXXX, XXXX XXXX, and XXXX ) with accruing interest, despite never receiving a job, payment, or promised refund. XXXX in particular has continued to bill me monthly with interest on {$1500.00} from this scam. Wells Fargo should not hold me responsible for {$1000.00} charged under coercion after they approved a credit limit increase solely to pay the scammer. 

The emotional and mental toll has been equally damagingextreme stress, anxiety, headaches, sleepless nights, and recurring dark thoughtscaused by being exploited during unemployment. I met all of the scammers stated obligations and received nothing in return. I request that all fraudulent charges be reversed and that the credit accounts impacted by this coordinated scam be made whole.

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 2025-08-15 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: VA

Complaint narrative:
I am a victim of identity theft. Someone has used my personal information to open these accounts. I havent gave anyone permission or authorization to open these accounts without my consent. This is really affecting my ability to provide for my family because of these credit challenges Inquiries : XXXX, XXXX, XXXX fcu, XXXX federal savings B, factual data, XXXX fcu, XXXX, equifax XXXX XXXX feder

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 2025-08-15 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: PR

Complaint narrative:
I discovered that one or more accounts had been opened in my name without my knowledge or authorization. I did not apply for, authorize, or benefit from these accounts. 

On XX/XX/year>, I filed a police report and an FTC Identity Theft Report, and provided copies to the creditor and the credit reporting agencies. I also submitted a written request under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c-2 ) to have these fraudulent accounts blocked from my credit file.

Despite providing valid and verifiable documentation, the creditor has continued to report these accounts as mine, negatively impacting my credit. I am requesting the permanent removal of these accounts from my credit report as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: PR

Complaint narrative:
I discovered that one or more accounts had been opened in my name without my knowledge or authorization. I did not apply for, authorize, or benefit from these accounts. 

On XX/XX/year>, I filed a police report and an FTC Identity Theft Report, and provided copies to the creditor and the credit reporting agencies. I also submitted a written request under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c-2 ) to have these fraudulent accounts blocked from my credit file.

Despite providing valid and verifiable documentation, the creditor has continued to report these accounts as mine, negatively impacting my credit. I am requesting the permanent removal of these accounts from my credit report as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: NJ

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-15 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: PA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. U. S. C. 
XXXX ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX CO GMA Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX FCU - Account Number : XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  FCU - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: OH

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section XXXX ( XXXX U.S.C. XXXX ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business 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
Consumer complaint received 2025-08-15 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: PA

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 an 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 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CCS Financial Services, Inc.
State: KY

Complaint narrative:
DEBT VALIDATION LETTER XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Kentucky, XXXX Dear XXXX XXXX, Credit collections, XXXX XXXX This letter is being sent to you in response to a bill that was received on XX/XX/year>. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX XXXX XXXX  ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX XXXX XXXX CEASE AND DESIST I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 
Sincerely, XXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My Navy Federal Credit Union ( NFCU ) checking account was frozen after I became the victim of a sophisticated identity theft and account hacking incident. I have an active CFPB complaint regarding that checking account ( Complaint # XXXX ). Since the freeze began on XX/XX/year>, XXXX  actions have prevented me from accessing my own funds, which directly caused me to become delinquent on my Navy Federal XXXX XXXX XXXX XXXX credit card account ending in XXXX. 

This credit card account now shows a past due balance of {$1500.00} and a total balance of {$15000.00}. I was current on this account before NFCU froze my checking account and withheld my funds, including my VA XXXX benefits, for over XXXX months. I could not make payments because NFCU restricted my primary funding source while mishandling the fraud resolution. 

I have provided NFCU with : FTC Identity Theft Affidavit and official FTC Identity Theft Report ( Ref. No. XXXX ) XXXX XXXX transaction logs showing the perpetrator filed a duplicate fraud report and rerouted funds into an account in their own name Emails and screenshots proving altered account information tied to the fraud Statements confirming the checking account restriction timeline and the credit card delinquency Despite overwhelming proof of identity theft and the direct connection between XXXX  mishandling and my inability to pay, they have taken no action to adjust, forgive, or remove this debt from my credit card account. This is the same creditor whose mishandling of my checking account fraud, as documented in CFPB Complaint # XXXX, caused this delinquency. 

Under Regulation XXXX ( Electronic Fund Transfer Act, XXXX U.S.C. XXXX et seq. ; XXXX C.F.R. Part XXXX ) and the Fair Credit Reporting Act ( FCRA, XXXX U.S.C. XXXX & XXXX ), NFCU must investigate and correct errors resulting from unauthorized transactions, and they must not report adverse information caused by identity theft. 

I am requesting full discharge of this credit card balance and removal of all negative credit reporting as the only fair resolution to this continuing harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I disputed XXXX XXXX transactions with Chase due to breach of contract, misrepresentation, and failure by XXXX to provide the accommodations promised. I provided Chase with screenshots and written proof from XXXX own messages confirming I would receive a refund, as well as evidence that XXXX later refused to honor that commitment. 

Chase initially issued a temporary credit, but then reversed it, stating only : found that the transaction was processed according to the information you provided or was authorized. No adjustment will be This explanation is inadequate under Regulation XXXX ( XXXX CFR XXXX ), which requires a reasonable investigation and a written explanation of the evidence relied upon. When I called for details, a Chase representative told me the decision was made based on what XXXX provided and that I could highlight inaccuracies once I saw XXXX  submission. 

When Chase sent me XXXX materials, they consisted only of generic screenshots of XXXX guidelines, my booking confirmation, and a screenshot showing I left a review none of which address the refund promise or the unsafe conditions I documented. I then sent Chase a XXXX evidence packet proving XXXX statements were false. When I called to confirm receipt, I was told Chase had received XXXX pages, not XXXX, which is inaccurate. I re-sent the documents via fax, secure message, and email to XXXX XXXX team. 

Less than XXXX hours later, I received another denial again with no explanation, no reference to my evidence, and no indication that my XXXX submission was reviewed. 

I believe Chase failed to conduct a reasonable investigation, failed to review critical evidence, and failed to provide the required written reasoning for its decision, in violation of Regulation XXXX. I am requesting the CFPB compel Chase to : Provide the complete investigative file and evidence relied upon. 

Conduct a proper review of all materials I submitted. 

Reverse the denial and credit my account for the disputed charges.

Company response to consumer: Closed with explanation