vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: WI

Complaint narrative:
b'This CFPB complaint has been filed to request pursuant to FCRA  605B (15 U.S.C. \n 1681c-2) that you, the Equifax Information Services , block information appearing on my\n consumer credit report that is the result of identity theft and fraud within 4 business days of\n you receiving this complaint. The following items do not belong to me and is a result of fraud\n that I did not authorize:\n Also, would like to have all addresses and names REMOVED from my credit report, except\n for my only name and address listed below:\n Name: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-03 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: CA

Complaint narrative:
I am submitting this formal complaint regarding a fraudulent account and illegal reinsertion on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

I am a victim of identity theft, as documented in my FTC Identity Theft Report XXXX XXXXXXXX dated XX/XX/XXXX. A credit card account with XXXX XXXX ( partial account number : XXXX ), which I did not authorize, was fraudulently opened by an identity thief in XX/XX/XXXX. I originally discovered this in XX/XX/XXXX, and successfully disputed the account, resulting in its deletion from my credit report. 

However, the account has now been reinserted without proper notice or disclosure, in clear violation of FCRA 1681i ( a ) ( 5 ) ( B ), which requires the credit reporting agency to : Notify the consumer within 5 business days of any reinsertion of previously deleted information. 
Include the name, address, and telephone number of the furnisher that certified the accuracy of the reinserted data. 

I was not given any such notice or identifying information, which deprives me of my legal rights and causes further harm to my creditworthiness.

Violations : 15 U.S.C. 1681c-2 ( FCRA 605B ) failure to block identity theft-related information.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) illegal reinsertion without notice.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) furnisher duty to report accurate information only.

15 U.S.C. 1681n and 1681o liability for willful or negligent noncompliance.

Relief Requested : 1. Investigate the reinsertion of the fraudulent XXXX XXXX account.

2. Direct the credit reporting agencies to permanently delete the account.

3. Require the name and contact information of the furnisher who reinserted it.

4. Ensure compliance with all consumer rights and statutory procedures. 

I respectfully request that the CFPB intervene and ensure the credit bureaus and furnishers comply with federal law. Please contact me for any supporting documentation or further information. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

Account Name : U S BANK - {$4400.00} Account Number : XXXX Opened : XXXX. XXXX As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. 

Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated. verified, and how you are in compliance then you must remove the account from my credit report. 

Warm Regards, By : XXXX XXXX XXXX. 
Without Prejudice, All Natural Inalienable 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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Transunion INQUIRES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION TRANSUNION XXXXXXXX XXXX XXXX XXXX XXXXXXXX TRANSUNION XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUION XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXXXXXX XXXX {$5500.00} XXXX XXXX {$680.00} TABSUNBIT {$180.00} XXXX {$140.00} theft Incident : Credit Card Opened by the Thief What company or bank issued the credit card? XXXX of a company representative that you spoke phone XXXXCompany 's email address : If you know, tell us when the account was XXXX did you first notice the problem? XXXX you know, estimate the total fraudulent charges.XXXX XXXX Theft Incident : Fraudulent Charges to My Credit Card What company or bank issued the credit card? XXXX XXXX XXXX  of a company representative that you spoke to : Company 's phone number : Company 's email address : If you know, tell us when the fraudulent charges began.When did you first notice the problem? 6/2025XXXX you know, estimate the total fraudulent charges.XXXXAccount number : Theft Incident : Fraudulent Personal or Business Loan What company or bank opened the fraudulent account? XXXX XXXX XXXX XXXXName of a company representative that you spoke to : Company 's phone number : Company 's email address : If you know, tell us when the fraudulent charges began.XXXXWhen did you first notice the problem? XXXXIf you know, estimate the total fraudulent chargesXXXXAccount number : Theft Incident : Fraudulent Federal Student Loan What is the name of the lender or loan servicer for the fraudulent loan? XXXX XXXX XXXX XXXX XXXXName of a company representative that you spoke to : Agency 's phone number : Agency 's email address : If you know, tell us when the fraudulent charges began.XXXXWhen did you first notice the problem? XXXXIf you know, estimate the total fraudulent charges.XXXXAccount numberXXXX  Theft Incident : Fraudulent Mobile Phone Account What company opened the fraudulent account? XXXX XXXX XXXX of a company representative that you spoke to : Company 's phone number : Company 's email address : If you know, tell us when the account was opened.XXXXWhen did you first notice the problem? XXXXIf you know, estimate the total fraudulent charges.XXXXAccount number :

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Transunion INQUIRES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION TRANSUNION XXXXXXXX XXXX XXXX XXXX XXXXXXXX TRANSUNION XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUION XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXXXXXX XXXX {$5500.00} XXXX XXXX {$680.00} TABSUNBIT {$180.00} XXXX {$140.00} theft Incident : Credit Card Opened by the Thief What company or bank issued the credit card? XXXX of a company representative that you spoke phone XXXXCompany 's email address : If you know, tell us when the account was XXXX did you first notice the problem? XXXX you know, estimate the total fraudulent charges.XXXX XXXX Theft Incident : Fraudulent Charges to My Credit Card What company or bank issued the credit card? XXXX XXXX XXXX  of a company representative that you spoke to : Company 's phone number : Company 's email address : If you know, tell us when the fraudulent charges began.When did you first notice the problem? 6/2025XXXX you know, estimate the total fraudulent charges.XXXXAccount number : Theft Incident : Fraudulent Personal or Business Loan What company or bank opened the fraudulent account? XXXX XXXX XXXX XXXXName of a company representative that you spoke to : Company 's phone number : Company 's email address : If you know, tell us when the fraudulent charges began.XXXXWhen did you first notice the problem? XXXXIf you know, estimate the total fraudulent chargesXXXXAccount number : Theft Incident : Fraudulent Federal Student Loan What is the name of the lender or loan servicer for the fraudulent loan? XXXX XXXX XXXX XXXX XXXXName of a company representative that you spoke to : Agency 's phone number : Agency 's email address : If you know, tell us when the fraudulent charges began.XXXXWhen did you first notice the problem? XXXXIf you know, estimate the total fraudulent charges.XXXXAccount numberXXXX  Theft Incident : Fraudulent Mobile Phone Account What company opened the fraudulent account? XXXX XXXX XXXX of a company representative that you spoke to : Company 's phone number : Company 's email address : If you know, tell us when the account was opened.XXXXWhen did you first notice the problem? XXXXIf you know, estimate the total fraudulent charges.XXXXAccount number :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: AL

Complaint narrative:
The company is claim XXXX different amounts and account is running active with balances to hurt my 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 2025-07-03 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: AL

Complaint narrative:
The company is claim XXXX different amounts and account is running active with balances to hurt my 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 explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Dear VyStar Representative, I am writing in formal response to your recent denial of my fraud claims related to two unauthorized XXXX transactions of {$1500.00} each, posted on XX/XX/year>, which resulted in a total loss of {$3000.00} withdrawn from both my checking and savings accounts. 

Clarification of Events : On XX/XX/year>, I contacted VyStars customer service line for assistance regarding suspicious account activity. During that call, I clearly authorized only one transaction from my checking account. I explicitly stated that no funds should be removed from my savings account under any circumstances. 

However, against my verbal instruction, a second {$1500.00} transaction was executed from my savings account, violating my expressed consent and instructions. This constitutes unauthorized use of my funds. 

Coercion and Pressure During the Call : Furthermore, I was pressured and coerced into making a hasty decision under emotional distress and without full understanding of the potential risks. The representative I spoke with did not fully explain the implications, failed to inform me of VyStars liability limitations regarding XXXX, and did not offer any viable alternatives or fraud prevention measures in that moment. 

I was not given time or space to fully consider or weigh safer financial options. This created a coercive environment that directly contributed to the loss of my funds. Under Regulation E ( 12 CFR 1005 ), protections may still apply to unauthorized or induced electronic fund transfers, especially when coercion or manipulation is involved.

Device ID Argument Is Not Sufficient : VyStars reliance on the fact that the transaction occurred on a previously used device ID does not automatically equate to authorization or informed consent. Device matching is a weak standard for proving intentespecially in the context of fraud, coercion, or manipulation. 

Request for Full Reconsideration : I respectfully request a reconsideration of my claim and a full investigation into how my savings account was debited against my instruction. Furthermore, I request that VyStar take accountability for the failure in communication and lack of safeguards that enabled this incident. 

This is not simply a matter of regretit is a matter of mishandled trust, verbal miscommunication, and the unauthorized movement of funds I specifically protected.

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 2025-07-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a XXXX  XXXX  that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. XXXX  XXXX has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a XXXX  XXXX  that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. XXXX  XXXX has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-07-03 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: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX XXXX  XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Good day, this situation has become incredibly frustrating and XXXX XXXX. I was shocked to discover a debt on my credit report that I have never seen beforeunverified, not mine, and completely unfamiliar. Since then, I have been receiving nonstop XXXX through various channels, even including XXXX  of legal action. As someone who respects the law and values their rights as a consumer, this experience is deeply insulting. It has taken a toll on my XXXX XXXX and left me with sleepless nights trying to make sense of something I had no part in.

Company response to consumer: Closed with explanation