vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
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 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer FICO XXXX XXXX, and TransUnion reports which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the fraudulent items be removed from my consumer credit reports. 

XXXX XXXXXXXX inquired on XX/XX/XXXX XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX inquired on XX/XX/XXXX These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX 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. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-06-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: DE

Complaint narrative:
I received a debt collection letter from McCarthy , Burgess & Wolff , Inc. ( MBW ) on behalf of XXXX XXXX for an account I do not recognize. The amount is listed as {$1500.00} under account number XXXX. I have no knowledge of this account and never opened a XXXX account that matches this information. 

I believe this debt is either incorrect, fraudulent, or the result of identity theft. I am requesting an immediate investigation and removal of this collection. MBW has not provided any documentation to prove I am legally responsible for the debt. 

This same XXXX XXXX account also appears on my all three of my credit reports, XXXX XXXX XXXX XXXX  I am disputing it with them as well. 

Please require MBW to validate this debt or stop collection activity and remove any negative reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: NY

Complaint narrative:
I am submitting this report due to inaccuracies on my credit report stemming from a system error, as confirmed by Equifax, which resulted in my personal information being leaked and used improperly. Ive been denied credit because of this issue, and I request immediate correction within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
This is a follow-up to my previous complaint regarding Ally Bank ( Complaint ID : XXXX ). After I filed the initial complaint, I received an email from someone in XXXX Executive Customer Relations team stating that they were researching my concern. I was instructed to contact a representative named XXXX by leaving a detailed voicemail with my name, phone number, and a time for a call back. 

However, the contact instructions to contact XXXX line directly did not work adequately I left a message regardless to the Executive Customer Relations team. I set aside time during my work day for this phone call and I provided all the requested information in the message, but I never received a return call. 

In the meantime, I went ahead and set up an auto-payment, as Ally informed me that if I missed a payment under the repayment plan, they would report it to the credit bureaus and the repayment contract would be broken. I am still trying to resolve the issue at the heart of my original complaint, but I am not getting adequate support or follow-through from XXXX representatives XXXX 

I am requesting further assistance to ensure this issue is addressed properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: TN

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
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 4 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 Address : XXXX XXXXXXXX XXXX XXXXXXXX GA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: MD

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-06-30 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC XXXXi ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CARD Corporation
State: GA

Complaint narrative:
Formal Complaint Against CARD.com Fraud, Identity Theft, Banking Discrimination, and Illegal Practices I am filing this complaint against CARD.com due to serious misconduct involving fraud, identity theft, stolen funds, account manipulation, and discriminatory banking practices.

CARD.com has manipulated my account balances in ways that appear intentional and fraudulent. These irregularities have resulted in unexplained deductions, unauthorized activity, and a lack of transparency. I believe these actions were part of a broader effort to facilitate or cover up identity theft, as my personal and financial information has been compromised through their platform.

When I rightfully filed a valid dispute to recover stolen funds and protect my account, CARD.com retaliated by illegally closing my accounta clear violation of my consumer rights and an act of banking discrimination. Rather than investigate or resolve the matter in accordance with fair banking laws and the Electronic Funds Transfer Act ( EFTA ), they chose to shut me out of my own account, restricting my access to remaining funds and essential banking services.

Their refusal to take accountability, combined with inconsistent responses and failure to follow proper protocols, has caused significant financial harm, emotional distress, and ongoing security concerns. This behavior is not only unethicalit may also violate federal laws governing consumer protection, identity theft prevention, and anti-discrimination in banking.

I am requesting the CFPB to investigate CARD.com for the following : Facilitating or failing to prevent identity theft Manipulating account
balances for fraudulent purposes Illegally closing my account in retaliation for filing a valid dispute Failing to protect or return stolen funds Engaging in discriminatory practices and violating fair banking access Violations of EFTA and CFPB consumer regulations I am demanding a full investigation into these actions, immediate restitution of all stolen and withheld funds, and enforcement actions to hold CARD.com accountable for these serious violations. 

Thank you for taking action to protect consumers from abuse, fraud, and discriminatory banking practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: GA

Complaint narrative:
My Cash App account has been frozen since 2023, Cash App claims this is due to a XXXX lien and restraining notice from XXXX law firms ( XXXX XXXX and XXXX XXXX XXXX. ). I was never served or notified of any court case. 

I searched XXXX XXXX Supreme Court and other NY jurisdictions, and no case or judgment exists in my name. Despite this, Cash App refuses to release {$110.00} in personal funds and continues to refer me to the law firms instead of providing proof or lawful authority. 

I believe Cash App is in violation of the Electronic Funds Transfer Act and is engaging in unfair and deceptive business practices by withholding funds without due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: TX

Complaint narrative:
Subject : Formal Complaint to CFPB Unauthorized Charges, Vehicle Disablement & Financial Misconduct by XXXX XXXX XXXX  To Whom It May Concern, I am filing this formal complaint against XXXX XXXX XXXX, a car rental company operating in Texas, and its employee, XXXX, for serious violations of federal and state consumer protection laws. These include unauthorized charges to my debit and credit cards, misuse of my financial data, and the unlawful disablement of a rental vehicle that was in my possession and paid for. 

Key Issues : Unauthorized Charges to My Card Accounts Use of Retained Payment Information Without Consent Vehicle Disabled While in My Possession Predatory and Unethical Business Practices Violation of Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693g Transaction Summary : XX/XX/year> {$480.00} Netspend Unauthorized & Processed XX/XX/year> {$490.00} Netspend Attempted Unauthorized Charge ( Blocked ) Despite clear verbal instructions to not charge my Netspend or XXXX  accounts, XXXX XXXX XXXX, through XXXX, proceeded to charge or attempt to charge my cards multiple times. These charges were not authorized, nor were they part of any active billing agreement. In fact, on one occasion, the vehicle was disabled remotely after I had already made a XXXX payment, rendering me stranded and endangered a practice that no major rental car company such as XXXX or XXXX would ever engage in. 

Legal Basis : Under 15 U.S.C. 1693g ( Electronic Fund Transfer Act ), A consumer shall not be held liable for an unauthorized electronic fund transfer unless the consumer has furnished the card or access device and authorized its use. 

I never authorized the use of my Netspend or XXXX card for the above-mentioned charges. Providing card data for a single transaction does not give a company perpetual access to charge at will. These repeated, reckless actions show blatant disregard for my financial privacy and federal protections. 

Why This Warrants CFPB Action : Misuse of Stored Payment Data : Freedom Ride Share retained my card information and used it repeatedly without consent. 

Unlawful Disablement of Vehicle : Disabling a vehicle while it is in a customers possession and paid for is dangerous, unethical, and not an industry-standard practice. 

Failure to Acknowledge or Rectify Disputes : No response was received from the company despite multiple attempts to address these issues directly. 

Intentional, Patterned Behavior : The actions appear intentional and malicious not clerical errors and have caused financial and emotional harm. 

Endangerment & Economic Harm : I was left in a vulnerable situation with no transportation due to their unethical disablement practices.

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 2025-06-30 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a XXXXbureau comparison table. I would appreciate your assistance in resolving this 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 2025-06-30 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After reviewing my recent credit report, I was shocked to discover several accounts that I did not open or authorize. These unauthorized accounts are clear evidence of identity theft and are causing serious complications, particularly as I am in the process of purchasing a new vehicle for my family. I urgently request that these fraudulent accounts be removed from my credit report immediately to prevent further damage.

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 2025-06-30 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) 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 Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$11000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$12000.00}

Company response to consumer: Closed with non-monetary relief