vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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 am a confirmed victim XXXX XXXX XXXX XXXX and am invoking my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2, to have all adverse items related to my XXXX  blocked and deleted from my credit reports. 

I have already submitted my FTC Identity Theft Report, police report, and supporting documentation to Equifax, Experian, and TransUnion. Despite this, my credit reports still show multiple late payments, derogatory accounts, and hard inquiries that are not mine or were incurred during the XXXX  period ( XXXX ). These include late payments on my XXXX XXXX account, derogatory reporting on multiple tradelines, and numerous hard inquiries that lowered my score. 

I am requesting that all negative information including late payments, delinquencies, and hard inquiries listed on this credit report be blocked and permanently removed. Specifically, I want all late payments from XXXX XXXX between XXXX deleted, but I do not want the XXXX XXXX account closed. My goal is to have my account remain open and in good standing, without any negative payment history. 

Under the law, the credit bureaus were required to block this information within 4 business days of receiving my dispute and supporting documents, but they have failed to do so. The continued reporting of this negative information is causing severe harm to my credit profile and my ability to rebuild financial stability.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 : ACCOUNTS : XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 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, 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 2025-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
On [ XX/XX/year> ], I received a fraudulent phone call from someone impersonating my credit union/bank . They already had my member number and convinced me to reset my online banking password using a link they provided. Believing they were legitimate bank staff, I complied. After doing this, I was locked out of my account for approximately three days.

During that time, the scammer used my online banking credentials to log in and transfer funds out of my account to other individuals. I did not authorize these transfers, and I received no benefit from them. I only regained access after contacting the bank and learning that my account had been compromised. 
Why this is an unauthorized electronic fund transfer : These transfers were initiated by a third party who had no authority to act on my behalf. Under Regulation XXXX ( XXXX CFR XXXX ( m ) ), this makes them unauthorized electronic fund transfers. While I was tricked into giving my login credentials, the scammer was not my agent, and I never approved or initiated the transfers myself. 
Banks response so far : I reported the fraud promptly, but the bank has refused to provide me with a provisional credit or any written explanation of its position. Instead, they claim that because I was the victim of a scam, Regulation XXXX does not apply. It has now been over a month since I reported the fraud, and I have received neither provisional credit nor a written investigation result.

Why this violates federal law : Under 12 CFR 1005.11, the bank was required to : Investigate my claim within 10 business days, Provide a provisional credit if it needed more time, and Provide the results of its investigation in writing within 3 business days of completion.

The bank has failed to comply with these requirements.

What I am requesting : I am requesting that the CFPB ensure my bank : Properly classifies these transfers as unauthorized EFTs under Regulation E, Provides me with provisional credit immediately, and Issues a written explanation of its final determination in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: FL

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
According to my recent Equifax report, my projected income for XXXX  is listed as {$39000.00}. However, after reviewing and calculating my actual income based on current paystubs, my accurate projected income for XXXX  is {$29000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: FL

Complaint narrative:
There are significant billing and reporting errors tied to a specific account on my credit report that are unfairly damaging my credit. Under the Truth in Lending Act ( 15 U.S.C. 1666 ( b ) ), creditors are required to accurately record payments and credits. In this case, payments I made were not properly applied, there are clear calculation errors in the reported balance, and I was not provided with the required 21-day notice before a payment due date. As such, the late payment marks associated with this account are invalid and constitute a violation of federal law.

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 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: PA

Complaint narrative:
I am filing this complaint regarding the non-receipt of my XXXX XXXX XXXX ( XXXX ) direct deposit payments in XXXX and XXXX. 

According to the Social Security Administration, my XXXX benefits for those years were issued and deposited into my account. However, I never received these payments. Despite the XXXX confirming that the deposits were made, they did not reach me, and my bank records reflect no such transactions. 

This situation has caused significant financial hardship, as I relied on these benefits for essential living expenses. I have taken steps to verify the issue with both XXXX and my financial institution, yet the problem remains unresolved. 

I am requesting a thorough investigation into where these funds went, confirmation of the status of the missing deposits, and the reissuance of the payments owed to me. I also ask that steps be taken to ensure this does not happen again in the future. 

Thank you for your prompt attention to this matter. I expect a full review and resolution in accordance with my rights as an XXXX recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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 complaint is not a mistake. My credit report contains clear inaccuracies that have not been properly addressed, and they continue to cause me serious and ongoing harm. The presence of these errors is unacceptable and must be resolved immediately.

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 2025-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Several companies have made unauthorized inquiries into my credit report, which has directly harmed both my credit and credit score. I previously contacted your agency and was assured that these inquiries would be removed. That assurance has not been honored, and the inquiries remain. This failure to act is unacceptable. 

The ongoing presence of these potentially fraudulent entries is deeply concerning and strongly indicates possible identity theft. This unresolved issue is causing me continued emotional and financial harm.

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 2025-09-12 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: OH

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: TX

Complaint narrative:
I regularly monitor my credit report because maintaining an accurate credit score is important to me. However, I continue to see inaccurate and false information reported. This has been a recurring issue that has not been corrected, despite my repeated attempts to have it addressed. The ongoing presence of these inaccuracies is stressful, exhausting, and unfairly damaging both my life and my credit score.

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 2025-09-12 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: NJ

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of multiple late payments by TransUnion. Their records incorrectly show several payments as late, despite the fact that these payments were made on time. This false reporting has damaged my credit score and does not reflect my true payment history.

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 2025-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ACIMA CREDIT, LLC
State: OK

Complaint narrative:
This debt originated with Acima in XXXX. The past few days I have received messages from an unknown/undisplayed number claiming there is a case/claim being filed against me and asking me to call a number XXXX for more information. It was very cryptic and sounded like it may be a scam. There was very little detail or information given. They also called my family members and my former employer. I called the number today, XX/XX/XXXX. The representative answered with just their name. I asked what company this is and they stated XXXX. I had to ask several probing questions to find out who they even were and what kind of company/business they are. They kept being very evasive and transferred me several times. I finally spoke to a woman who was very aggressive and rude and kept telling me they are going to file a claim with XXXX XXXX. I told her I was in an open XXXX  XXXX bankruptcy and Acima and the previous 3rd party debt collector had been notified. She insisted it didnt matter because this ceased to be a debt in XX/XX/XXXX. Now they were going to sue me for not paying the debt. I kept saying that doesnt make any sense. The agent kept talking in circles and saying Id have to appear in court in Utah, where I havent lived for a few years now. Then she stated, youre clearly not wanting to cooperate. Well see you in court and abruptly hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: WA

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 explanation
Consumer complaint received 2025-09-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

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 2025-09-12 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: AR

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 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 US 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
My name is XXXX XXXX. I have a CD that is owed to me. It is mine not a group called XXXX. XXXX stole for the government

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