vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
I am a verified victim of identity theft resulting from multiple confirmed consumer data breaches, including the XXXX XXXX  breach, medical data breaches, and the XXXX XXXX breach. My personal information has been exposed on the dark web from XXXX to the present, which I have documented through a comprehensive data-breach audit. 
Despite filing repeated disputes and verification requests with XXXX, XXXX, and XXXX  on numerous dates from XXXX  through XXXX, the credit reporting agencies failed to conduct reasonable investigations as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681g, 1681i, 1681e ( b ), and 1681s-2 ( b ) ) etc. 
I was never provided with the method of verification, original applications, contracts, IP logs, signatures, or fraud investigation packets for the disputed accounts. Instead, the agencies continued reporting inaccurate and fraudulent accounts, many of which were later transferred to collection agencies with whom I have no contractual relationship. 
This misconduct caused severe financial harm, including loan denials, credit limit reductions, account closures, and emotional distress. I request CFPB enforcement, immediate deletion of unverifiable accounts, and corrective action for systemic FCRA noncompliance.

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 2025-12-18 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:
Can you take a look at this entry? It may be inaccurate due to the late hour.

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 2025-12-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Carter-Young , Inc. regarding an invalid rental collection being reported to my credit reports. The alleged debt is for an apartment application fee from The XXXX XXXX. I never lived at this property, never signed a lease, and never took possession of a unit. An application fee does not constitute a consumer debt and is not legally collectible or reportable to the credit bureaus. 

I disputed this account with the credit bureaus. Carter-Young responded by claiming the information was verified but failed to provide any documentation such as a signed lease, proof of occupancy, or a legally itemized balance. Reporting this account violates the Fair Credit Reporting Act and Fair Debt Collection Practices Act because the information is inaccurate, unverifiable, and misleading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I dispute this account as it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IA

Complaint narrative:
On XX/XX/XXXX, I paid XXXX XXXX {$960.00} via Cash App for a recliner. The recliner was delivered to me at my address on XX/XX/XXXX. For various reasons, the recliner was returned to where it was purchased from on XX/XX/XXXX. On XX/XX/XXXX, I was notified by a Nebraska XXXX XXXX employee ( XXXX at XXXX XXXX ) that the credit for the full amount of the recliner ( {$960.00} ) was credited back to XXXX XXXX account. Thus far, I have been unsuccessful at getting XXXX XXXX to return the money I paid her.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
Dear Transunion This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed an FTC complaint ( # XXXX ), which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 
I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to ensure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been mailed to your agency. 
I demand the following fraudulent accounts and Inquiries be DELETED from my credit report immediately. 
1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report XXXX XXXX Account Number : XXXX I am writing to formally request the removal of an account that I believe contains misleading and false information, as outlined in the FTC filing. This account violates FDCPA Section 807. Please delete it from my credit report ; otherwise, I will consider pursuing legal action. 
2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report XXXX XXXX XXXX XXXX Account Number : XXXX I am writing to formally request the removal of an account that I believe contains misleading and false information, as outlined in the FTC filing. This account violates FDCPA Section 807. Please delete it from my credit report ; otherwise, I will consider pursuing legal action. 
3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report XXXX XXXX XXXX  Account Number : XXXX I am writing to formally request the removal of an account that I believe contains misleading and false information, as outlined in the FTC filing. This account violates FDCPA Section 807. Please delete it from my credit report ; otherwise, I will consider pursuing legal action. 
Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

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 2025-12-18 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:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am reporting inaccurate credit reporting related to a fraudulent account that does not belong to me. 

The furnisher reported this account to the credit bureaus and later initiated a civil lawsuit against me. I disputed the debt as fraud and stated that the account was not mine. The furnisher failed to produce evidence establishing that I was responsible for the account, and the case was dismissed with no judgment entered.

Because the furnisher was unable to verify ownership or liability in court, it does not have a reasonable basis under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) to continue reporting this account as mine.

Continuing to report this account after failed litigation is inaccurate, misleading, and unverifiable. I am requesting complete deletion of this account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
Could you double-check this entry? It was completed late and may be flawed.

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 2025-12-18 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: FL

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: MS

Complaint narrative:
My ability to use Cash App was restricted after my linked bank account was suspended due to suspected fraudulent activity. Cash App did not provide a clear explanation of the specific reason for the restriction or what steps were required to resolve it. I did not knowingly engage in any fraudulent activity. Because I believe the issue resulted from identity theft or unauthorized use of my information, I filed an identity theft report with the Federal Trade Commission ( FTC ). Despite this, my access remains restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I deposited my work check they said finds will be available next day and then they werent so when I called they said a verging day because a hold was placed. Then they told me contact the issuer of my check and I did for a company Ive been with for XXXX  years never had an issue. My check eared wells Fargo still didnt release my deposit, My insurance payment was missed and my renters insurance and now they are charging me late fees and going to cancel my insurance. I need my money

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 2025-12-18 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: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-12-18 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: CA

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: OR

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-12-18 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: OR

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing this CFPB complaint pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that [ Experian ] block fraudulent information from appearing on my consumer credit report within four ( 4 ) business days of receiving this notice. These fraudulent accounts and inquiries are the direct 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 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I applied for the company 's credit card because it was advertised with an introductory rate of 0 % interest for twelve months on purchases and balance transfers, and as the best card to carry a large debt. But specifically, for the balance transfers feature. I was approved and the account was opened XX/XX/year>. I was given a credit limit of {$17000.00} and transferred {$5600.00} to the card. The statements were electronic and continue to be. At first, I was not checking my online statements, and did not realize no portion of my payments were being applied to the balance transfer portion of my credit card debt. The balance remained the same for several years, but now I notice that it has increased instead of going down. The way the card was advertised appears to me to be deceptive and fraudulent, and the way payments are applied to balances as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
This account is not mine and was reported in error.

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 2025-12-18 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: VA

Complaint narrative:
I am submitting this complaint to report inaccurate, unauthorized credit inquiries appearing on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ). These items were reported without my knowledge or authorization and have negatively impacted my credit profile. 

Creditor : XXXX XXXX Inquiry Date : XX/XX/year> I have no knowledge of this inquiry and did not authorize XXXX XXXX to access my consumer report. 
Under FCRA 604 ( a ), a consumer report may only be accessed for a permissible purpose. Since no such purpose exists, this inquiry is unlawful.

Additionally, under FCRA 611 ( a ) ( 1 ), TransUnion must conduct a reasonable investigation and delete unverifiable information.

Demand : Immediate deletion of this inquiry. 

Creditor : XXXX Inquiry Date : XX/XX/year> This inquiry was made without my consent or written authorization. 
Reporting an inquiry without permissible purpose violates FCRA 604 ( a ) ( 2 ).

Failure to remove inaccurate or unauthorized data after prior disputes is also a violation of FCRA 623 ( b ). 
Demand : Delete this inquiry from my credit report. 

Creditor : XXXX Inquiry Date : XX/XX/year> I did not apply for credit or services with this company. 
If TransUnion can not produce proof of permissible purpose, continued reporting violates FCRA 607 ( b ), which requires maximum possible accuracy.

Demand : Permanent deletion of this unauthorized inquiry. 

The continued reporting of these inaccurate and unauthorized items violates my rights under the FCRA. I respectfully request CFPB intervention to ensure full investigation, deletion of all disputed items, and written confirmation of corrections.

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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Unauthorized withdrawal from XXXX XXXX XXXX, the same day I got an update from CFPB, for my XXXX XXXX  account problems, that are linked to identity theft and possibly even bank fraud. Even further unauthorized payments to a credit line that I needed the money for medications. I asked for help previously in the report before this one and now you have only charged me more making my situation with my health which is already at risk, even worse than before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This situation has led to considerable stress and disrupted my sleep, which is especially frustrating given my diligent compliance with all payment obligations. Encountering problems for actions I didn't take feels unjust. I urge you to address this issue swiftly, correct any inaccuracies in my account, and help restore peace of mind.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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 letter serves as a formal demand for the immediate deletion of fraudulent accounts from my credit report, which were opened without my knowledge or consent. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate and remove these inaccuracies within 15 days. Relevant documentation is enclosed to support this request.

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