vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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 am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-08-13 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: FL

Complaint narrative:
I believe the accounts in question are the result of unauthorized activity. I respectfully request their removal following a full investigation. Relevant supporting documentation has been included.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: MD

Complaint narrative:
My credit report has wrong information that should not be there. This hurts my credit score and my chances to get a house, job, or loan.

Under the Fair Credit Reporting Act ( FCRA ), credit companies must report only accurate information and fix mistakes when I dispute them. The Equal Credit Opportunity Act ( ECOA ) says I have the right to fair treatment when applying for credit. Wrong information can cause me to be unfairly denied.

Maryland law also says credit reports must be accurate, can not show certain old or expired negative items, can not list certain criminal records, and can not list medical debt. I told the credit reporting company and the business that reported this, but they have not fixed it.

I am asking the CFPB to make sure the wrong information is removed and that these companies follow the law.

Credit Laws 1681e ( b ) : Credit reporting agencies must have reasonable procedures to ensure maximum possible accuracy. 1681i ( a ) : You have the right to dispute inaccurate info, and they must investigate and fix or delete errors.

1681s-2 ( a ) : Businesses ( furnishers ) can not report information they know or should know is wrong.

1681c : Sets time limits for negative info ( usually 7 years, 10 years for bankruptcies ).

1681n & 1681o : You can seek damages for willful or negligent violations.

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 2025-08-13 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: MD

Complaint narrative:
My credit report has wrong information that should not be there. This hurts my credit score and my chances to get a house, job, or loan.

Under the Fair Credit Reporting Act ( FCRA ), credit companies must report only accurate information and fix mistakes when I dispute them. The Equal Credit Opportunity Act ( ECOA ) says I have the right to fair treatment when applying for credit. Wrong information can cause me to be unfairly denied.

Maryland law also says credit reports must be accurate, can not show certain old or expired negative items, can not list certain criminal records, and can not list medical debt. I told the credit reporting company and the business that reported this, but they have not fixed it.

I am asking the CFPB to make sure the wrong information is removed and that these companies follow the law.

Credit Laws 1681e ( b ) : Credit reporting agencies must have reasonable procedures to ensure maximum possible accuracy. 1681i ( a ) : You have the right to dispute inaccurate info, and they must investigate and fix or delete errors.

1681s-2 ( a ) : Businesses ( furnishers ) can not report information they know or should know is wrong.

1681c : Sets time limits for negative info ( usually 7 years, 10 years for bankruptcies ).

1681n & 1681o : You can seek damages for willful or negligent violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: NC

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  XXXX  Date : XX/XX/scrub>XXXX XXXX XXXX  FIN Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 explanation
Consumer complaint received 2025-08-13 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: CA

Complaint narrative:
I have no involvement with these accounts, and I believe they were fraudulently opened. Please conduct a thorough investigation and remove them from my credit history. Documents included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: CA

Complaint narrative:
XX/XX/XXXX To : Experian XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Equifax XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX  XXXX TransUnion XXXX. XXXX XXXX, XXXX, XXXX XXXXXXXX CC : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Formal Dispute Fraudulent Accounts Resulting from Identity Theft & Data Breach To Whom It May Concern, I am writing to formally dispute multiple accounts reporting on my credit file that are fraudulent and not mine. My personal information was compromised in both the National Public Data Breach and the Equifax Data Breach, exposing my name, Social Security number, and other identifying information to unauthorized individuals. As a result, fraudulent accounts have been opened in my name without my knowledge, consent, or authorization. 

The following accounts are being reported on my credit file and must be immediately and permanently deleted : XXXX XXXX  XXXX {$1800.00} XXXX {$1400.00} XXXX XXXX {$3500.00} XXXX {$0.00} I have never applied for, opened, or authorized any of the above accounts, and I have no contractual or financial relationship with these creditors. Their continued appearance on my credit reports is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681c-2 ( FCRA 605B ) Requires blocking and deletion of information resulting from identity theft upon receipt of an FTC Identity Theft Report.

15 U.S.C. 1681i Requires a reasonable reinvestigation and deletion if information can not be verified. 
15 U.S.C. 1681e ( b ) Mandates maximum possible accuracy in the reporting of consumer information.

15 U.S.C. 1681b Limits permissible purposes for furnishing a consumer report.

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

FTC Identity Theft Rules ( 16 C.F.R. 603 ) Prohibit continued reporting of fraudulent accounts once identity theft is documented. 
I have enclosed my FTC Identity Theft Affidavit, a copy of my government-issued identification, proof of address, and documentation verifying my involvement in the above-mentioned data breaches. This serves as formal notice and legal demand for the permanent deletion of these accounts from my Experian, Equifax, and TransUnion credit files. 
You are required to respond with written confirmation of deletion. Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office, along with pursuit of legal remedies including statutory, actual, and punitive damages. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The bank sent me a letter saying they were going to close my checking account by XX/XX/year>. I called them and asked why and their answer is we can close accounts at our own discretion. I can't think of any reason why, my account is good standing, no overdraft, an average daily balance of {$500.00}. I transact {$6000.00} a month with XXXX direct deposits and several XXXX payments. 

The bank sends me offers every week, I guess because I did not do my mortgage or car loans with them could have been an issue.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX AUTO XXXX - XXXX XXXX XXXXXXXX XXXX XXXX Incorrect Personal XXXX  - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX PERIMETER TRCE XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( 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. I kindly request that you block this information from my credit report within XXXX business 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 explanation
Consumer complaint received 2025-08-13 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: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I hope this message finds you well. My name is XXXX, and I am reaching out with an urgent and serious concern regarding my personal and financial security. Recently, I discovered that my identity has been compromised, a situation that I believe originated from the recent security breach at XXXX. 

Since this breach, I have been subjected to a devastating case of identity theft. Unauthorized accounts have been opened in my name, lines of credit have been changed without my consent, and, as a result, my existing accounts were wrongfully garnished. The impact of this fraudulent activity has not only jeopardized my credit standing but also caused significant personal and financial distress. 

I want to make it explicitly clear that I did not open or authorize any of these new accounts associated with my name. This misuse of my identity is entirely fraudulent, and I am requesting immediate action to have all these unauthorized accounts removed from my credit report. Clearing these inaccuracies is essential for restoring my creditworthiness and protecting my financial reputation. 

Given the gravity of the identity theft I am facing and the link to the XXXX  breach, I trust you will treat this matter with the highest priority. I am committed to cooperating fully to resolve this issue swiftly and to prevent any further damage. 

Please advise me on the next steps to have these fraudulent accounts investigated and removed. I appreciate your prompt attention to this distressing matter and look forward to your swift response. 

Thank you for your understanding and assistance. 

Warm regards, XXXX Subject : Urgent Request for Immediate Account Closure XXXX XXXX XXXX XXXX XXXX, XXXX XXXX all accounts in which have fraudulent accounts in my in which I did not open I hope this message finds you well. I am writing to you today with an urgent and heartfelt plea : please remove the accounts aggressively so that I can finally get my life back on track. 

For almost a year and a half now, this ongoing issue has been a heavy weight on my shoulders. The constant back-and-forth with the merchant has drained my energy and peace of mind. It feels like an endless battle, and I am beyond exhausted from trying to fight it alone. 

This situation has taken up so much of my time and mental space, preventing me from focusing on what truly matters. I am desperate for resolution and need your support to get this matter closed swiftly and decisively. 

Please understand the impact this is having on me personally and professionally. I am counting on your assistance to intervene aggressively and ensure the accounts are removed immediately. This will allow me to move forward and reclaim control over my life. 

Thank you very much for your attention and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven years. 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.

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 2025-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Block, Inc.
State: TX

Complaint narrative:
It was cash app, I withdrew XXXX $ with a transaction fee of XXXX $ it, I was giving my mother money and she didnt tell me it was a canceled card. We called the bank ( XXXX  ) had it resolved and had them send it back, we waited never got anything we called again asked for documentation which XXXX bank gave. I called ask app asking if they seen this transaction and where is the money and they say we dont see anything even though I have all the documents from chase saying they sent it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: CA

Complaint narrative:
This is not a misunderstanding. My credit report contains clear inaccuracies that fail to meet the highest standards of accuracy required. These errors are causing significant and ongoing harm to me, both financially and emotionally. The impact is severe, and the situation is deeply distressing.

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 2025-08-13 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: SC

Complaint narrative:
I obtained my Equifax consumer credit file ( Confirmation XXXX XXXXXXXX, report dated XX/XX/year> ) and found multiple tradelines reported inaccurately, incompletely, or in a manner that is unverifiable under the Fair Credit Reporting Act ( FCRA ). 

The following are examples of serious reporting violations : XXXX XXXX XXXX Listed as Charge Off with an inconsistent Date of First Delinquency ( DOFD ) and incorrect balance, in violation of 1681c ( a ) ( 4 ) - ( 5 ). 
XXXX XXXX XXXX XXXX Reports as a Debt Buyer Account without original creditor information ; XXXX predates account opening, making the tradeline factually impossible. 
XXXX XXXX XXXX Duplicate entries with inconsistent balances and contradictory payment histories, violating 1681e ( b ) and constituting unlawful re-aging. 
XXXX XXXX XXXX XXXX XXXX ( Accounts ending XXXX XXXX XXXX XXXX XXXXXXXX ) Charge Off status with high credit/balance discrepancies and improper coding, misleading under CFPB guidance. 
XXXX XXXX XXXX Charged-off status reported from XXXX, exceeding the 7-year limit for derogatory data ( 1681c ( a ) ( 4 ) ). 
XXXX XXXX XXXX Missing original creditor info, inconsistent balances, and reporting beyond the legal period from XXXX. 
XXXX XXXX XXXX inconsistencies and balance errors. 
XXXX XXXX Misstated payment history with multiple delinquency codes for the same months.

These entries violate 1681e ( b ), 1681i ( a ), 1681c ( a ), and 1681c ( f ) of the FCRA. I have demanded that Equifax either verify each account using original creditor documentationnot third-party collectorsor delete them. Continued reporting without proper verification will constitute willful and/or negligent noncompliance under 1681n and 1681o.

Company response to consumer: Closed with explanation