vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I disputed a public record on my personal report that DOES NOT BELONG TO ME. Transunion opened up a dispute, 30 days later transunion sent me a letter stating that they verified the public record when I called them to ask them for a method of verification they told me they spoke with a federal court, clerk and a verify the information. I contacted the bankruptcy court to inquire about this. The bankruptcy court sent me a letter stating that they do not share my information and that they have not talked to Transunion.. I am a victim of identity theft.

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 2025-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV Funding / Resurgent has furnished and continues to report a clearly fraudulent and unauthorized collection accountAccount # XXXX for $ XXXX my XXXX, XXXX, and XXXX  reports, despite the original creditor, XXXXXXXX XXXX XXXX XXXX confirming it as fraud resulting from identity theft or data compromise. This conduct violates multiple provisions : FCRA 1681e ( b ) for failing to ensure maximum possible accuracy ; FCRA 1681s-2 ( a ) ( 1 ) ( A ) for knowingly furnishing inaccurate information ; FCRA 1681s-2 ( b ) for not correcting or deleting unverifiable information ; CFPB Regulation V for mishandling my formal dispute and failing to maintain accuracy in reporting. Consumer Financial Protection Bureau, along side XXXX ; and CFPBs UDAAP standards under the Dodd-Frank Act, which prohibit unfair, deceptive, or abusive acts or practices in consumer financial reporting. Consumer Financial Protection Bureau I'm asking... the persistence of this fraudulent account not only erodes consumer confidence but embodies precisely the kind of deceptive and abusive behavior the CFPB is empowered to stamp out! I respectfully demand the immediate deletion of this account from all credit files to restore accuracy, protect my rights, and uphold federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
XX/XX/year>2025 l had noticed a huge drop on my credit. I went to look at my credit report and saw an affirm loan of {$1400.00}. I had called affirm to tell them I did not make this purchase and they had told me there will be a 30 day investigation to look into it. I had went home and discussed this with my roommate. My roommate stated that my ex boyfriend who I have made a previous case report against and a restraining order that was never filed due to my ex boyfriend having no Address on a different situation had told my roommate that he had used my name and phone number along with my social security number to get approved and set up a loan account through affirm Update to purchase 7 things off of XXXX. My roommate thought I knew of this due to my ex boyfriend asking him and my second roommate if he could use their socials security number. This was never mentioned or approved by myself that he could use any of my personal information. I believe my ex Boyfriend had done this around the time of XXXX. On my credit report of the affirm charge my ex boyfriend had made 2 payments on XXXX and XXXX with a credit card ending with XXXX which is not any of my account number or credit cards that I own.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I requested multiple times a dent validation. I have not received it yet, I also have many breach of data letters so its important that its actually validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX  {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX  15 U.S.C, 1681section 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 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 explanation
Consumer complaint received 2025-08-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX  {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX  15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
I am formally reporting suspected identity theft and unauthorized activity on my credit file. Upon reviewing my credit report dated XX/XX/year>, I discovered XXXX hard inquiries that I did not authorize or recognize : XXXX XXXX XXXX Hard Inquiry reported XX/XX/year> CREDIT ACCEPTANCE Hard Inquiry reported XX/XX/year> XXXX XXXX Hard Inquiry reported XX/XX/year> I have no existing or prior relationship with these companies. I did not apply for credit, financing, or loans with these institutions, nor did I provide consent for any credit checks. These inquiries were made fraudulently, without my knowledge or authorization. 

I have already filed an identity theft report with IdentityTheft.gov and have attempted to contact these companies directly, only to be met with unhelpful responses and no resolution. 

This situation is urgent and is causing significant damage to my creditworthiness. I demand the immediate removal of these unauthorized hard inquiries from my credit report to prevent further harm. Failure to act swiftly will leave me no choice but to pursue all available legal remedies. 

Thank you for your immediate attention to this critical matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I HAVE SOME ACCOUNTS AND INFORMATION THAT IS NOT ACCURATE ON MY CREDIT FILES! 
XXXX XXXX is name only name. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX. My is XXXX XXXX My SS XXXX. Please delete any and all adresses and name variations. some has been using my name and a unknown SS XXXX is appearing on my file. I would like to request a full CORE XXXX  XXXX REPORT ASAP. PLEASE DELETE THE FRAUDULENT 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 
PLEASE REMOVE THE INACCURATE NAMES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have been a victim of

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I HAVE SOME ACCOUNTS AND INFORMATION THAT IS NOT ACCURATE ON MY CREDIT FILES! 
XXXX XXXX is name only name. My current and only address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX. My is XXXX XXXX My SS XXXX. Please delete any and all adresses and name variations. some has been using my name and a unknown SS XXXX is appearing on my file. I would like to request a full CORE XXXX XXXXXXXX REPORT ASAP. PLEASE DELETE THE FRAUDULENT ADDRESSESXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
PLEASE REMOVE THE INACCURATE NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
I have been a victim of

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts frain my report, they are hurting my ability to obtain 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 2025-08-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 explanation
Consumer complaint received 2025-08-11 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 writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Incorrect information to my credit, considering the company is closed down I would like it removed from 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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Incorrect information to my credit, considering the company is closed down I would like it removed from my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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:
On XX/XX/XXXX went to my local ATM to deposit cash to pay a past due bill once I pulled up to ATM I put my debit card to the ATM to read my information then it asked what I wanted to do so I pushed the button deposit, the ATM said you usually deposit cash I pressed that button and the slot Open to put my cash. I put {$220.00}, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0} dollar bills into ATM once the slot closed the ATM machine turned XXXX screen and I waited to see what happened as time went forward I kept waiting and nothing no deposit in my account, no receipt, no nothing from this ATM I started crying and panicked. I then called wellsfargo 's customer service and I don't know why. I just couldn't get a hold of anybody there. Their computer systems everything seemed to be down. I kept trying to call back. Finally got someone that I couldn't understand and then that person hung up on me called again and because I went so early to the bank I had to wait tXXXX XXXX XXXX XXXXor the bank to open, in the meantime the ATM machine is still not working. Actually the ATM started uploading. I don't know what but it said you could not deposit cash or receive cash at this ATM. It took about XXXX minutes before that machine start uploading information. Still didn't get my deposit posted to my account. Didn't get a receipt. Went inside at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX we were asking for someone to put what I deposit in the ATM in my account and they said they couldn't. They told me I had to wait XXXX business days and that they were going to request a technician to come out and check the machine. In the meantime I'm without money. I can't pay my past due bill and I think it's wrong. I'm very frustrated and these machines shouldn't shut down like that especially if the bank tells me that's a third party ATM machine and then they couldn't even deposit anything to my account. I don't know if it was because I put cash in. I don't know is all they could say was I'm sorry we're on it. We'll try to resolve your issue as soon as possible, but it takes up to 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 2025-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd
State: AL

Complaint narrative:
On Monday XX/XX/scrub> 2025, I sent {$20000.00} USD ( {$10000.00} ) each via Wise ( Wise US Inc. ) to XXXX XXXX. Wise confirmed the recipient withdrew {$3500.00} and then closed both my account and the recipients account. 

This leaves {$16000.00} USD still in Wises possession. Since the recipients account is closed, Wise can not legally send the remaining funds to them, yet Wise has not returned the money to me despite multiple written requests. 

I have requested Wise to confirm the remaining balance and the date of return, but they have failed to provide this information. This is a wrongful withholding of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$8000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$1800.00} XX/XX/XXXX 15 U.S.C, 1681section 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 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 explanation
Consumer complaint received 2025-08-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$8000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$1800.00} XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: NC

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information XXXX have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. The Comapny XXXXXXXX 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 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: GA

Complaint narrative:
Subject : Request for Account Restoration and Refund of Replacement Card Fee Message : Hello, My Cash App account was recently closed without proper explanation, and I believe this closure was unlawful and unjustified. Before the closure, I had just paid {$5.00} for a replacement Cash Card for this account. Since I am now unable to use the account or the card I paid for, I am requesting the following : 1. Immediate restoration of my Cash App account so I can access my funds and continue using my account as normal.

2. Refund of the {$5.00} replacement card fee, as the card is now unusable due to the account closure.

Please investigate this matter urgently and provide a clear explanation for the account closure. I expect a resolution as soon as possible. 

Thank you, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: PR

Complaint narrative:
15 USC 1602g2 states that there was no evidence of indebtednedss, and no agreement was provided. Please provide proof of my wet signature. If it can not be provided, please remove it immediately. 
Acct # XXXXXXXX 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 non-monetary relief