vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: NM

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

1681c-2 ) that you, the Experian Credit XXXX , 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 XXXXXXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXXXXXX Date : XX/XX/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 2025-07-16 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: NJ

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center , 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 Address : XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$700.00} INQUIRIES : XXXXXXXX XXXX  Date : XX/XX/year>

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 2025-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Airtm Inc.

Complaint narrative:
On XX/XX/year>, at XXXXXXXX XXXX XXXX, I made a XXXX XXXX transfer via XXXX from my AirTM account to the wallet address XXXX. 

The transaction was marked as " completed '' in the AirTM platform, but the funds never arrived at the destination address. 

I opened a support ticket the same day and submitted all requested information. Over the past 3 months, I have followed up repeatedly. AirTM support has acknowledged that the issue was due to an internal error on the part of their crypto partner, XXXX ( owned by XXXX ). 

Despite this acknowledgment, AirTM has neither refunded the funds nor completed the transfer. The transaction remains unresolved. I am requesting an immediate refund or delivery of the funds, as this was not a user error, and waiting indefinitely is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
XX/XX/year> when I start getting calls about this fraudulent accounts in the of XXXX XXXX or more I tried to handle the situation the best i can but nothing I did help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: IN

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 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 non-monetary relief
Consumer complaint received 2025-07-16 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:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
XXXXXXXX XXXX  - I was never late on this account, please remove late payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: IL

Complaint narrative:
XXXXXXXX XXXX  - I was never late on this account, please remove late payment history.

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 2025-07-16 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: NC

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by XXXX TransUnion, and XXXX  for the following accounts : XXXX XXXX  ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX ( Account XXXX XXXX XXXX XXXX  ), and XXXX ( Account XXXX XXXX XXXX XXXX ). Specifically, XXXX is reporting the account as " Pays account as agreed '' with a " 30 days past due '' delinquency. XXXX is reporting " Paid account/was 30 days past due '' with a " 30-day delinquent '' status. TransUnion is reporting " Paid or paying as agreed '' but does not indicate a payment status. These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter.

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.

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 2025-07-16 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XXXX received a card in the mail from sugar and XXXX, with a credit limit of XXXX coincidentally. I received another letter from comedy. Talking about security on an account and that I needed to send proof for the same account that I never opened. 

I had to call them twice. I was disconnected with the first call from the fraud department and the next one. She kept me on hold for 7 minutes. Asked for all my personal information and then just told me she was closing the card. She did not ask if I needed confirmation of card closure. She just hung up on me. I don't know whether or not the card has been canceled.I did not order this card.This is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: IL

Complaint narrative:
debt validation letter, To : hunter warfield , Inc . 
XXXX XXXX XXXX XXXX, XXXX, FL XXXX To whom it may concern, upon receiving my credit report, I found information regarding a debt that has being claimed against me. After being removed XXXX XXXX. 

Account XX/XX/XXXXXXXX Creditor XXXX XXXX XXXX due {$760.00} Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection practices Act, 15 U.S.C 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 name- Titlt 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 XXXX major credit bureaus ( XX/XX/XXXXXXXX ) this action may constitue fraud under both federal and state laws. Due to this fact, if any negative marks are 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 report Act, violation of the fair Debt Collection practices Act and Defamation of character. If your office are able to provide the proper documentation as requested in the following Declaration. I will require at least 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 credit reports, I will consult with my legal counselor for the 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 the account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: OH

Complaint narrative:
I just got done paying off a hefty student loan from XXXX. I was told my payments were no longer needed and I was complete with my payments towards the student loans. Months later, I saw on my XXXX XXXX app that Mohela, a company I have never heard of before, added over XXXX XXXXXXXX XXXX  worth of credit to my account. With that being said, it dropped my credit score over XXXX points. Im furious and I want what I fought so hard to get up, my credit score back where it was.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-16 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: PA

Complaint narrative:
b'Please remove all these items from my credit report:- \n\nADDRESSES:-\n \nXXXX XXXX XXXX XXXX,PA XXXX XXXX\nXXXX XXXX XXXX XXXX,PA XXXX XXXX\nXXXX XXXX XXXX XXXX,PA XXXXXXXX XXXX\n \nACCOUNTS:-\nXXXX XXXX XXXX\n \nINQUIRIES:-\nXXXX\n\nI had not checked my credit report in a long time. I went to the bank and was informed of these items.'

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 2025-07-16 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:
b'Please remove all these items from my credit report:- \n\nADDRESSES:-\n \nXXXX XXXX XXXX XXXX,PA XXXX XXXX\nXXXX XXXX XXXX XXXX,PA XXXX XXXX\nXXXX XXXX XXXX XXXX,PA XXXXXXXX XXXX\n \nACCOUNTS:-\nXXXX XXXX XXXX\n \nINQUIRIES:-\nXXXX\n\nI had not checked my credit report in a long time. I went to the bank and was informed of these items.'

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 2025-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Peter Roberts & Associates, Inc.
State: TN

Complaint narrative:
After attending an urgent care facility I was referred to XXXX XXXX XXXX, which I went to XX/XX/year>. I provided all my insurance information including my insurance card and ID and paid for my X-rays after it was processed by my insurance company. I do not have the exact dates because all of this was sent via mail, but I received a letter from XXXX XXXX a few months later stating that I owed them money for the X-rays taken and that my insurance information wasn't received. This does not make sense because I clearly provided my information at XXXX XXXX XXXX. I called them to provide them my insurance information, and a few months later I received the exact same letter stating that I had to call them to give them my insurance information. I am not sure if they ever actually ran the bill through my insurance because I never received an insurance denial. Again, I provided the information and the representative said they would notify me via mail if it was accepted by my insurance company or not. A few months later I received a letter from a debt collector called Peter Roberts & Associates stating that I owed money to XXXX XXXX. I never received anything else from XXXX XXXX after that last phone call. No letter or phone call stating that my insurance had been accepted or denied. There is no way this is legal and dozens of other people are having the same experience as can be seen on their XXXX reviews ( XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: Source Receivables Management LLC
State: FL

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint the never sent me verification of debt, the ORIGINAL contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Collections from XXXX XXXX XXXX XXXX - XXXX XXXX Texas {$7900.00} total dollars from XXXX This collection does not belong to me legally. I NEVER signed a lease agreement. I NEVER broke a lease and I NEVER was assigned an apartment number or unit, and NEVER took occupancy. 

I have made 2 disputes on all 3 credit bureaus. 
XXXX  XXXX  XXXX  I would like this taken off my credit as soon as possible. It claims to be removed from my account next year XX/XX/XXXX. I can not wait this long, it is effecting my ability to open accounts, rent apartments, etc. 

I have never been late on a credit card bill, never been late on a rental payment, never been late on a student load payment. 

When I tried to confront the XXXX XXXX apartment in person they would not provide any information to me or show us the agreements that were allegedly signed. When I tried to call them and get more information they do not have a public phone number which I think is very odd. I have no documents to provide to the credit bureaus because they do not exist. 

This is starting to really frustrate me and I would like it resolved immediately. I am also afraid that this particular apartment complex is taking advantage of students and I might not be the only person who has experienced this type of treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 2025-07-16 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: CA

Complaint narrative:
XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

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