vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

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 XXXX. 

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

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) 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 2025-05-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, I deposited checks into my newly opened checking account at Truist. Shortly after, Truist froze my account and funds without releasing them. I was asked to provide supporting documents, which I submitted. The person who issued the checks also visited XXXX XXXX  ( the issuing bank ) and was informed that XXXX does not issue letters of verification to clients and that Truist must contact them directly. 

XXXX confirmed the following : The checks were cleared successfully months ago. 
The funds can not be reversed. 
Truist has held the funds since XXXX. 

Despite my full cooperation and multiple attempts to resolve the issue, Truist continues to delay the release of my money. It has been over four months, and the funds remain frozen with no clear path forward. Ive asked either to have my account reactivated or to receive a transfer with the balance held. 

This delay is unreasonable and causing serious harm. I need CFPB assistance to help resolve this matter. 



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 non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Subject : Formal Dispute of Unauthorized Inquiries Demand for Removal Under FCRA 1681b and Case Law To Whom It May Concern : I am writing to formally dispute the following inquiries on my credit report, which I did not authorize and lack a permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. These inquiries are inaccurate, incomplete, and unlawfully reported : XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was told on this evening by an unprofessional customer service representative that Wells Fargo will not be excepting the {$50000.00} Grant from the Pennsylvania XXXX XXXX despite another representative telling me that they will be reaching out to XXXX XXXX on XXXX in which they appear to not have done and these constant lies are totally unacceptable. Plus I had sent them out a payment of {$750.00} weeks ago and theyre once again lying by claiming that they havent received it

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/year>, I submitted a dispute to XXXX XXXX concerning the accuracy of this account, requesting specific documentation to verify its validity, including a certified copy of the original signed contract or proof of an online signature establishing the debt. I followed up with a second dispute on XX/XX/year>. I received a report from Experian indicating that you, as the furnisher, marked the account as verified. However, none of the requested documentation was provided, leaving me unclear on how the accounts accuracy was confirmed. On XX/XX/year>, I sent correspondence to Experian in reference to their inadequate response. Again, I received a report from Experian indicating that you, as the furnisher, marked the account as verified. 
Additionally, the credit reports that Experian provided me contained an account number that does not match the account numbers you provided ( ending in XXXX and XXXX ). This discrepancy raises further concerns about the accuracy of the information being reported and the process used to verify it.

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 2025-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently review a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-05-06 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: NC

Complaint narrative:
I am submitting this formal complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically Section XXXXB, which mandates the prompt removal of fraudulent information upon notice of identity theft. 

On XX/XX/year> and uodated XX/XX/year>, I filed an identity theft report with the FTC and subsequently submitted dispute letters to all XXXX  credit reporting agencies, supported by my FTC Identity Theft Report, documentation, and a detailed list of fraudulent items. According to FCRA XXXX, the agencies are legally required to block and remove fraudulent information within XXXX business days. It has now been over XXXX  days, and the following harmful items remain on my credit reports : TransUnion continues to report a XXXX  XXXX Bankruptcy that I did not file. 

Experian is reporting multiple unauthorized inquiries and collections that are not mine. 

Equifax is listing unauthorized accounts and collections, also tied to identity theft. 

All XXXX bureaus have failed to properly update student loan information, despite receiving direct documentation from the loan servicer. 

I have made numerous phone calls and submitted follow-up documentation during this XXXXday period. However, no appropriate action has been taken, and I am still suffering negative financial consequences as a result of these inaccuracies. This is a clear violation of FCRA Section XXXXB and my consumer rights.

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 2025-05-06 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: NC

Complaint narrative:
I am submitting this formal complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically Section XXXXB, which mandates the prompt removal of fraudulent information upon notice of identity theft. 

On XX/XX/year> and uodated XX/XX/year>, I filed an identity theft report with the FTC and subsequently submitted dispute letters to all XXXX  credit reporting agencies, supported by my FTC Identity Theft Report, documentation, and a detailed list of fraudulent items. According to FCRA XXXX, the agencies are legally required to block and remove fraudulent information within XXXX business days. It has now been over XXXX  days, and the following harmful items remain on my credit reports : TransUnion continues to report a XXXX  XXXX Bankruptcy that I did not file. 

Experian is reporting multiple unauthorized inquiries and collections that are not mine. 

Equifax is listing unauthorized accounts and collections, also tied to identity theft. 

All XXXX bureaus have failed to properly update student loan information, despite receiving direct documentation from the loan servicer. 

I have made numerous phone calls and submitted follow-up documentation during this XXXXday period. However, no appropriate action has been taken, and I am still suffering negative financial consequences as a result of these inaccuracies. This is a clear violation of FCRA Section XXXXB and my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
A XXXX XXXXs was opened up fraudulently in my name.

Its charged off now with a balance of {$1300.00} I disputed with all 3 bureaus, XXXXXXXX XXXX XXXX  deleted it but Trans Union keeps on refusing to delete it I disputed it with Trans Union XX/XX/scrub>XXXX XXXX XXXX XXXX more times as well

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 2025-05-06 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: EQUIFAX, INC.
State: IN

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
am filing this formal complaint against MoneyLion Inc. for willful violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, after their repeated refusal to block, remove, or adequately investigate a fraudulent loan account that was opened in my name as a result of identity theft.

Despite submitting a legally valid police report, incident affidavit, and formal dispute, MoneyLion continues to claim the account is valid based solely on internal data points such as a linked bank account and a verified mobile number. This response is both negligent and deceptive. Identity theft often involves the use of real personal information, spoofed phone numbers, and fraudulent bank accounts opened using stolen credentials. Their investigation was neither independent nor compliant with FCRA standards and appears to rely on template denials rather than a real analysis of the fraud.

Furthermore, I only recently regained access to the email account tied to the fraudulent application. That email had been hijacked and used to create multiple fraudulent financial accounts under my name. The fact that this email was linked to the MoneyLion loan is further proof of fraud not validation.

MoneyLions failure to correct this account after three formal disputes and a police report constitutes willful noncompliance with FCRA requirements. They have also failed to provide any documentation justifying their decision, such as the IP address of the applicant, the true holder of the linked bank account, or proof of ownership of the mobile number. Instead, they have relied on vague references to data points to continue collection activity and deny me access to their services.

This complaint is being submitted for : Failure to remove fraudulent account after valid ID theft documentation Improper investigation procedures Continued adverse treatment and denial of service despite known fraud Willful violations of FCRA Section 605B I am demanding the immediate removal and permanent blocking of this fraudulent account, and a full investigation by the CFPB. I am also seeking to reserve my right to pursue civil litigation under 15 U.S.C. 1681n for actual damages, punitive damages, and legal fees resulting from MoneyLions gross mishandling of this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This whole situation has been overwhelming. I suddenly found a debt on my credit report that Ive never seen before and know nothing about. Its unverified, clearly not mine, yet Im being hounded from every directioncalls, emails, even threats of legal action. Its exhausting, mentally draining, and just flat-out wrong. Ive had sleepless nights over this. Im a law-abiding person, and this feels like a complete violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance : {$2000.00} Open Date XX/XX/XXXX XXXX  Balance : {$630.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
I am a victim of identity theft. Fraudulent information reported on my credit report. Pursuant to FCRA 605B please remove 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 2025-05-06 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: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief