vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: MI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/year> with a balance of {$610.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-07-17 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc.
State: UT

Complaint narrative:
Will cash app. I've been baking with him for a couple of years now and there's been multiple transactions that I haven't approved or authorized and when I tried to complain about it, they don't even give me a solution. All they say is the transaction is done. You can't do anything about it. Sorry! + XXXX minutes ago they made a overdraft transaction without my approval. This is like the fourth time they've done this and I never get my funds back. They're scamming me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK
State: MO

Complaint narrative:
I reported unauthorized transactions on my debit account that I did not make, authorize, benefit from, or allow. Although Discover initially issued provisional credits, they later reversed them, citing chip-read, PIN-entered, or eWallet status as definitive proof of validity. These methods, however, can be fraudulently mimicked through well-documented techniques like shimmer attacks, PIN bypass, device spoofing, and account takeover. 
Discover has refused to provide : Internal investigation logs Merchant-side documentation Forensic or fraud detection evidence Any detail explaining how they validated the charges Instead, Ive received generic template denial letters with no individualized explanation. I have re-submitted an FTC Identity Theft Report ( # XXXX, XX/XX/year> ), submitted a police fraud packet to the XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ), and use ongoing credit monitoring ( Aura and XXXX ) due to frequent breaches of my data. 
This is newly submitted information that has not been previously included in past complaints. 
Regulatory Basis : Discover Bank is violating : Regulation E ( 12 CFR 1005.11 ) by failing to complete a good faith investigation or provide evidentiary support. 
FTC Act Section 5 by denying claims without fair process.

CFPB Bulletin 2013-07 by relying on blanket chip/PIN status to deny claims, even when fraud methods that spoof these exist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Professional Finance Company, Inc.
State: KY

Complaint narrative:
I received a suspicious text message claiming to be from PFC, a debt collector, acting on behalf of XXXX XXXX XXXX XXXX XXXX The message included no details about the debt, no account information, and no prior written notice. It only contained a short URL ( XXXX ) and asked me to log in using my name. 

I paid a statement from XXXX XXXX in full on XX/XX/2025, which was labeled XXXX XXXX : {$150.00}. I have received no bills since. I believe the text is either a scam or a deceptive attempt to collect a paid or invalid debt. 

The collector has not provided a proper validation letter and is attempting to use vague, tech-based pressure tactics that violate consumer rights under the FDCPA. 

I am unsure if this message came from a legitimate company. The text did not identify the collector clearly, only referred to PFC and included a suspicious shortened link ( rv2.io ). I have not received any written notice or legitimate contact. I suspect this may be a phishing scam impersonating a real collector.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: PA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: IL

Complaint narrative:
My accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: IL

Complaint narrative:
My accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the 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 2025-07-17 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: FL

Complaint narrative:
On XXXX XXXX XXXX I contacted all three major credit bureaus TransUnion, Equifax, and Experian to dispute several outdated and incorrect addresses, as well as inaccurate information appearing on my credit report. My disputes also included accounts with incorrect payment history and reporting errors, including but not limited to : - XXXX  XXXX account ending in XXXX and XXXX - XXXX XXXX account ending in XXXX - XXXX XXXX XXXX  XXXX XXXX account ending in XXXX Despite clearly identifying which addresses and account details were inaccurate, and requesting their correction or removal, the credit bureaus failed to conduct a proper investigation or provide any supporting documentation to justify keeping these items on my file. In fact, no response was received at all. 

The continued reporting of this inaccurate information is a direct violation of the Fair Credit Reporting Act ( FCRA 611 and 623 ), which mandates that any disputed item must be verified as accurate or removed from the consumer 's report within 30 days of a formal dispute. 

Additionally, under the guidelines of the Federal Trade Commission ( FTC ), credit bureaus and furnishers of information have a legal obligation to maintain reasonable procedures to ensure maximum possible accuracy of the information they report. Failure to remove unverifiable or inaccurate data is a breach of this federal obligation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: AZ

Complaint narrative:
Upon reviewing my credit report, I noticed an entry reported by your company concerning an apartment complex account that I do not recognize and have no knowledge of ever applying for or residing in.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, I am asserting my rights as a consumer regarding the permissible use of my credit information. I believe this entry to be inaccurate, and I am formally disputing the validity of this debt.

I am requesting that you : Immediately remove the disputed account from all credit reporting agencies.

Provide full validation of this debt, including but not limited to : A signed lease agreement or application bearing my name and personal information. 

Please provide any Identification used to initiate the account.

Any records or communications related to the alleged account.

Additionally, a police report has been filed concerning this matter and is attached to this correspondence for your records and investigation. If you are unable to provide verifiable proof that I am responsible for this debt, you are required by law to delete this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: TN

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

1681c-2 ) that you, the Equifax Information Services , block 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. 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: AL

Complaint narrative:
I am XXXX XXXX ( My name is XXXX XXXX not XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605b ( 15 U.S.C 1681C-2 ) That TransUnion credit reporting agency , Experian reporting agency and TransUnion agency , to block this information within XXXX business days of you receiving this complaint. This false information, fraudulent information, and inaccurate information consist of a loan opened at XXXX Loan Servicing on XXXX under the account number XXXX of {$43000.00}, a credit card opened XXXX at XXXX XXXX XXXX XXXX under the account number XXXX with a balance of {$1400.00}, a credit card opened at XXXX XXXX XXXX on XXXX under the account number XXXX with a balance of XXXX XXXX a credit card at XXXX XXXX XXXX with the balance of {$4000.00} account number XXXX, a credit card at XXXX XXXX XXXX with the balance of XXXX account number ending in XXXX Credit card loans from DEPT OF ED from XXXX, and again on XXXX, XXXX, and again XXXX, XXXX. Also HARD inquiries from XXXX XXXX XXXX  XXXX XXXX on XXXX and XXXX XXXX  XXXX on XXXX. These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my FICO credit report. I do not recognize the accounts, collections, or hard inquiries as reported. These accounts, collections, and hard inquiries, on my consumer credit report weren't open or initiated by me. All of the aforementioned hard inquiries, accounts and collections are the result of identity theft and fraud. I have a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the collections, credit accounts, and hard inquiries are the 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 2025-07-17 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: AL

Complaint narrative:
I am XXXX XXXX ( My name is XXXX XXXX not XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605b ( 15 U.S.C 1681C-2 ) That TransUnion credit reporting agency , Experian reporting agency and TransUnion agency , to block this information within XXXX business days of you receiving this complaint. This false information, fraudulent information, and inaccurate information consist of a loan opened at XXXX Loan Servicing on XXXX under the account number XXXX of {$43000.00}, a credit card opened XXXX at XXXX XXXX XXXX XXXX under the account number XXXX with a balance of {$1400.00}, a credit card opened at XXXX XXXX XXXX on XXXX under the account number XXXX with a balance of XXXX XXXX a credit card at XXXX XXXX XXXX with the balance of {$4000.00} account number XXXX, a credit card at XXXX XXXX XXXX with the balance of XXXX account number ending in XXXX Credit card loans from DEPT OF ED from XXXX, and again on XXXX, XXXX, and again XXXX, XXXX. Also HARD inquiries from XXXX XXXX XXXX  XXXX XXXX on XXXX and XXXX XXXX  XXXX on XXXX. These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my FICO credit report. I do not recognize the accounts, collections, or hard inquiries as reported. These accounts, collections, and hard inquiries, on my consumer credit report weren't open or initiated by me. All of the aforementioned hard inquiries, accounts and collections are the result of identity theft and fraud. I have a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the collections, credit accounts, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: NY

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block 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, inaccurate, and false information consists of : Disputed Account ( XXXX ) : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Address Removal Demand FCRA 1681e ( b ) You are reporting address ( es ) on my file that are inaccurate, outdated, or connected to accounts I did not authorize. Pursuant to FCRA 1681e ( b ), you are required to maintain reasonable procedures to assure maximum possible accuracy of the information you report. Any unverifiable address must be immediately deleted from my credit file. 
Addresses to Remove : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have provided supporting documentation verifying my current address. Any conflicting address not tied to a verified, authorized account must be deleted. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Debt is not mine. Account is not mine. Please remove from report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: SC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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