vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This complaint is being filed to request that TransUnion block and remove fraudulent information from my consumer credit report in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Under this provision, TransUnion is required to block such information within four ( 4 ) business days of receiving this notice.

The information in question includes multiple unauthorized accounts and hard inquiries that were made without my knowledge or consent, and are the direct result of identity theft and fraud. The following accounts are fraudulent and must be deleted from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of the above accounts and inquiries are not mine. To support my claim, I have attached a copy of my FTC Identity Theft Report ( Criminal Complaint # XXXX ) filed with the U.S. Federal Trade Commission, which confirms that these items are the result 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 2025-06-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have never did business with the stated parties there where fraudulent accounts opened in my name by the stated parties Account number XXXX XXXX Account status COLLECTION Owner INDIVIDUAL Account type OTHER Creditor classification Loan type TXXXX XXXX Original creditor name Months reviewed XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Ive tried to solve this problem with XXXX XXXX twice and both times have failed to make any progress. I stayed on the phone for XXXX hours today trying to update my information to login to XXXX XXXX and didnt receive any help. Lastly the account theyre still showing on my consumer report which is keeping me from opening a new account elsewhere was closed due to fraud and unauthorized access and relation to the account therefore the account shouldnt be on my report. Ive also sent the account that its showing on my consumer report a letter requesting it be deleted from my account and they cant even locate the account or any information on it other than an automotive loan inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I tried to cash a rental relief check in XXXX of XXXX  ( XX/XX/year> ), through Truist 's mobile deposit, which they claimed fraudulent. I then provided written and notarized statements from the local XXXX XXXX XXXX ( the bank the check came from ), including the cleared check confirmation from XXXXXXXX XXXX  system, as well as documentation Truist 's branch manager had received it. It was a check from XXXX XXXX XXXX from XXXX for {$9000.00}, check # XXXX cleared on/before XX/XX/year> per the XXXX  XXXX  system. Truist still froze the amount, refuses to release the funds, caused me to be evicted even though this was specifically the amount to save my home, and they have now taken over {$650.00} in truist related fees, even though the funds are supposed to be " frozen '' and inaccessible. 

I have gone back and forth between the local XXXX and Truist branches, spoken to online phone help, and advanced fraud security with XXXX help or release. I'd like the funds that cleared my account XXXX years ago to be released to me as they cleared and have never been recalled, prior to seeking additional, legal help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
XXXX  XXXX : XX/XX/XXXX amount {$7300.00}. Called to talk with collector and provide me legal number. Never answered. 

XXXX XXXX XXXX : XX/XX/XXXX and XX/XX/XXXX amount {$5800.00}. Filed dispute and denied it. 

Southern Management XXXX : XX/XX/XXXX amount {$3600.00}. Filed dispute and talked with collector, dispute denied. 

XXXX XXXX XXXX : XX/XX/XXXX amount {$7800.00}. Filed dispute and dispute was denied. 


I have filed and submitted XXXX police reports to no avail. My credit score continues to drop and interest continues to build.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: MD

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS.

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, 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 and crimes which antedates the report by 7 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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:
There are accounts being reported under my name without my authorization or knowledge. I have never opened, managed, or approved these accounts, and their presence on my credit report is completely unacceptable. They contain inaccurate and misleading information that misrepresents my financial history. 
I take my credit profile very seriously, and the appearance of these unauthorized accounts is deeply concerning. I need immediate clarification on how these accounts came to be reported and who is responsible for including them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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 did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: MD

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Ongoing Inaccurate Reporting of Payment History Failure to Provide Documentation I, XXXX XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the continued inaccurate reporting of certain payment history items on my credit report. I am writing on my own behalf as a natural person and consumer. This is a follow-up to a dispute I submitted more than XXXX  days ago, which has not been lawfully resolved. 

Under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ), I am exercising my legal right to accurate, complete, and fair reporting. Specifically, my dispute was based on 15 U.S. Code 1666 ( b ), which governs billing errors including : Failure to correctly reflect a payment or credit, Errors in computation or account processing, and Lack of proper notice ( minimum XXXX  days ) before assessing late fees or reporting a payment as late. 

To date, I have not received any documentation verifying the accuracy of the late payments that are still being reported. As required by law, if the creditor can not substantiate the derogatory reporting with valid evidence, the information must be corrected or removed. 

Disputed Accounts : XXXX Late Payment ( Open ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Open ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( XXXX ) [ Duplicate Entry ] Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Open ) [ Duplicate Entry ] Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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 did not open or authorize these accounts, and it is unjust for me to be held responsible for them. I request immediate action to resolve this 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 non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I went to get a second mortgage at XXXX. I was turned away because of a lien from XXXX. I did not know about. I recently got a mortgage on my house 6 months prior and this lien was not mentioned. I called the company who I have the debt with they are called Midland. Midland informed me that XXXX XXXX XXXX have my case now, so I called them numerous times. A recording answers and it says you can request a interview through the web to settle your debt. I pressed 1 for pay off information and I'm instructed to go to their website and press green icon to pay what I owe. I left messages numerous times with XXXXXXXX XXXX XXXX  and they do not call back. I spoke to XXXXXXXX XXXX XXXX today and they gave me XXXX emails to contact XXXX XXXX and they were both bogus. I even drove to the address that XXXX XXXX show on XXXX. XXXX XXXX XXXX XXXX XXXX. That establishment is public health. I want to settle and pay my debt but I don't want to have my money stolen and still have a unresolved debt and lien. I have been to the city of XXXX clerks office of the circuit court. The circuit court is telling me I need to pay it but I explain to them I can't get XXXX XXXX to return my phone calls or contact them in any way. I called the lawyer who was handling my first mortgage from 6 months ago and he told me to contact XXXX at XXXX and cowand. XXXX gave me XXXX emails and three phone numbers. The phone numbers are still giving the same communication with no option to speak to anyone about settling my debt.The 2 emails are bogus. I drove to XXXX XXXX XXXX to see if I could settle my debt in person. The address was to public health all XXXX floors. What can I do to settle my debt? I desperately need to get a second mortgage to fix my bathtub. I have a bad crack in it and my home has other issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AL

Complaint narrative:
I just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I am disputing a charge of {$2400.00} related to a hotel reservation made through a third-party travel service. The hotels General Manager has confirmed in writing that a full refund was issued to the third-party company. Despite this, the third-party company has refused to process the refund and continues to claim they were unable to reach the hotel a claim the hotel has explicitly denied in writing. 

I submitted this written confirmation from the hotel, along with a XXXX balance receipt and other supporting documentation, to my credit card issuer during the dispute process. The initial dispute was denied. I then escalated the matter to the Office of the President, and a second investigation was conducted. Despite the evidence provided, the dispute was again denied.

The card issuer stated the denial was based in part on a statement I allegedly made acknowledging the reservation, but they have refused to provide any written record or transcript to support this claim when I formally requested it. 

The hotel is not in possession of the funds. They clearly stated the refund was sent to the third party, who is now wrongfully withholding it. The credit card company has failed to take appropriate action despite receiving clear documentation showing the funds were no longer with the hotel. 

I am requesting that the charge be reversed and a refund issued to me. I have included the hotels email confirmation, the third-partys response, and all relevant correspondence to support this complaint.

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