vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: FL

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 Services , 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-06-30 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 accounts were created without my knowledge or consent, and I should not be accountable for them. I urge you to take swift steps to correct this mat

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 2025-06-30 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: MD

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 Services, block informati
on 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 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 XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
XXXX uses Telecheck to process transactions from purchases. Purchases are automatically processed even if you have insufficient fees in the account. They continue to allow transactions to process and accumulate insufficient fee penalties in your account until the Telecheck receives notice of the insufficient fees 7 days later. They have 5 items they sent to collections for approximately {$250.00} and they are changing {$150.00} in fees from XX/XX/XXXX to XX/XX/XXXX. They stated this was a state mandated fee and they will not remove it. Regardless of whether you think you are paying for something utilizing a debit card, they transform your payment into a check then charge a fee. This whole process also seems automated which would be hard to justify a {$25.00} fee. Normal business transactions would automatically decline the purchase and request you to update the payment information. I have disputed these transactions further as I can not identify them in my XXXX account and many items I purchases within those dates were returned. Upon researching these claims there are countless other people on XXXX and XXXX search who have had similar experiences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
I have no knowledge of these inquiries, and they seem to be both unauthorized and potentially fraudulent. I kindly request swift action to address this issue. Supporting documents are attached for your reference.

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 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
Back in late XXXX and early XXXX I had accounts with USAA and due to the XXXX XXXX XXXX XXXX data breach my account information was compromised with all of my bank accounts and there was transfers from my accounts that were fraudulent. My accounts were closed and I was informed I could not bank with USAA but when I had spoke with a representative there named XXXX XXXX She told me that she was able to verify that those transfers were never mine and that I should be eligible to bank with USAA .

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 2025-06-30 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: AL

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XX/XX/XXXX : I signed up for Equifax online and put a freeze on all future credit and requested a fraud alert be placed on account. As I perused my equifax credit score I noticed a difference in total amount owed relative to TransUnion information. The amount was {$570.00}. 



XX/XX/XXXX We received fraud report on via txt message on my phone. I Immediately called XXXX XXXX XXXX afterwards whom is issuer of credit card and attempted to dispute that I owe extra charge and received no resolution from the company customer service all that was said was that she could see no charge on my accout that what I was paying was extra interest monthly as I have for 12 years and $ XXXX. 

XX/XX/XXXX : we received an email from an company called XXXX via XXXX. 
The amount is exactly the difference in the two reports online. The email said they were confirming an order WHICH I DID NOT place or make. I have a downloaded copy of email received and went as far as calling PayPal to confirm suspicion that I had been defrauded. The customer service agent disconnected and when I tried to call again recover no answer. I have also tried to email and place a fraud claim but can get no information that will effectively allow me to recoup the {$570.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
XX/XX/XXXX : I signed up for XXXX  online and put a freeze on all future credit and requested a fraud alert be placed on account. As I perused my XXXX credit score I noticed a difference in total amount owed relative to XXXX information. The amount was {$570.00}. 



XX/XX/XXXX We received fraud report on via txt message on my phone. I Immediately called XXXX XXXX XXXX afterwards whom is issuer of credit card and attempted to dispute that I owe extra charge and received no resolution from the company customer service all that was said was that she could see no charge on my accout that what I was paying was extra interest monthly as I have for 12 years and $ XXXX. 

XX/XX/XXXX : we received an email from an company called XXXX via PayPal. 
The amount is exactly the difference in the two reports online. The email said they were confirming an order WHICH I DID NOT place or make. I have a downloaded copy of email received and went as far as calling PayPal to confirm suspicion that I had been defrauded. The customer service agent disconnected and when I tried to call again recover no answer. I have also tried to email and place a fraud claim but can get no information that will effectively allow me to recoup the {$570.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: FL

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 Services , 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this formal statement to the Consumer Financial Protection Bureau regarding a dispute with XXXX and its handling of a debt account allegedly serviced through XXXX. 

I would like to bring to your attention that I have submitted a negotiable instrument to XXXX as a means of settling this debt obligation in good faith. In addition to this, I executed IRS Forms 1099-A and 1099-B concerning this matter, pursuant to my understanding of applicable federal procedures for reporting the disposition of property and potential discharge of debt. 

At no point did I receive validation of debt in compliance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, despite my repeated requests. XXXX has continued to assert the legitimacy of this debt, even though under the law, and given the financial instruments tendered, it should have been recognized as resolved. 

Further, XXXX  and XXXX 's refusal to acknowledge the submitted negotiable instrument constitutes a potential violation of Uniform Commercial Code ( UCC ) 3-603 and raises constitutional concerns under Article I, Section 10, which prohibits the impairment of contracts. 

Given these facts, I respectfully request that the CFPB review this case for improper or unlawful debt collection practices and failure to acknowledge legally tendered instruments that were offered in resolution of the debt.

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 2025-06-30 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: TX

Complaint narrative:
I am submitting this formal statement to the Consumer Financial Protection Bureau regarding a dispute with XXXX and its handling of a debt account allegedly serviced through XXXX. 

I would like to bring to your attention that I have submitted a negotiable instrument to XXXX as a means of settling this debt obligation in good faith. In addition to this, I executed IRS Forms 1099-A and 1099-B concerning this matter, pursuant to my understanding of applicable federal procedures for reporting the disposition of property and potential discharge of debt. 

At no point did I receive validation of debt in compliance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, despite my repeated requests. XXXX has continued to assert the legitimacy of this debt, even though under the law, and given the financial instruments tendered, it should have been recognized as resolved. 

Further, XXXX  and XXXX 's refusal to acknowledge the submitted negotiable instrument constitutes a potential violation of Uniform Commercial Code ( UCC ) 3-603 and raises constitutional concerns under Article I, Section 10, which prohibits the impairment of contracts. 

Given these facts, I respectfully request that the CFPB review this case for improper or unlawful debt collection practices and failure to acknowledge legally tendered instruments that were offered in resolution of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this formal statement to the Consumer Financial Protection Bureau regarding a dispute with XXXX and its handling of a debt account allegedly serviced through XXXX. 

I would like to bring to your attention that I have submitted a negotiable instrument to XXXX as a means of settling this debt obligation in good faith. In addition to this, I executed IRS Forms 1099-A and 1099-B concerning this matter, pursuant to my understanding of applicable federal procedures for reporting the disposition of property and potential discharge of debt. 

At no point did I receive validation of debt in compliance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, despite my repeated requests. XXXX has continued to assert the legitimacy of this debt, even though under the law, and given the financial instruments tendered, it should have been recognized as resolved. 

Further, XXXX  and XXXX 's refusal to acknowledge the submitted negotiable instrument constitutes a potential violation of Uniform Commercial Code ( UCC ) 3-603 and raises constitutional concerns under Article I, Section 10, which prohibits the impairment of contracts. 

Given these facts, I respectfully request that the CFPB review this case for improper or unlawful debt collection practices and failure to acknowledge legally tendered instruments that were offered in resolution of the debt.

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 2025-06-30 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:
I was looking at my credit report and i saw 4 accounts that was opened fraudulently. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-30 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: AL

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 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 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I have the right to dispute inaccurate and unverifiable information on my credit report according to 15 usc 1681. It has been a consistent issue with credit bureaus about this account that has yet to be verified mines. This company failed to send me proof that this is my debt, even with my other complaints they never sent me verification of debt, the ORIGINAL contract showing my signature & explanation of the amount and how it was calculated.

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 2025-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reviewed my credit report and saw a collection company XXXX XXXX XXXX. I never signed a contract or an agreement with the company. I did not authorize the third-party debt collector to collect on my behalf. I decided to file this report because this account was sold and transferred without my consent or authorization under FCRA and the FDCPA. This has harmed my credit and hindered business opportunities.

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 2025-06-30 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: GA

Complaint narrative:
I reviewed my credit report and saw a collection company XXXX XXXX XXXX. I never signed a contract or an agreement with the company. I did not authorize the third-party debt collector to collect on my behalf. I decided to file this report because this account was sold and transferred without my consent or authorization under FCRA and the FDCPA. This has harmed my credit and hindered business opportunities.

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