vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: NJ

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} INQUIRIES : XXXX Date : XX/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 2025-07-14 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX RE : Last 4 SSN : XXXX To Whom It May Concern : I am writing this letter to dispute the following accounts : 1. XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX ) XXXX ( XXXX XXXX XXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. 2. 3. Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX is knowingly and willfully furnishing false information to TransUnion, Experian, and Equifax. The account listed under reference number XXXX, with a reported balance of {$40000.00}, is being presented as a derogatory consumer debt, classified as collection/charge-off. 

However, this account does not arise from a personal credit transaction, and therefore does not meet the definition of a permissible reporting item under the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681b.

I have never signed a credit application or consumer agreement related to this debt, and there is no documentation proving otherwise. Their reporting is both inaccurate and illegally classified, violating : 1681s-2 ( a ) ( 1 ) ( A ) Reporting information known to be inaccurate 1681e ( b ) Failing to maintain reasonable procedures for accuracy 1681b Obtaining or using consumer reports for impermissible purposes 1681q Knowingly obtaining consumer information under false pretenses I have sent a cease-and-desist letter demanding deletion, and if they fail to remove the account, I will pursue litigation for willful noncompliance under 15 U.S.C. 1681n, which provides for actual damages, statutory damages, attorneys fees, and uncapped punitive damages. 

This inaccurate reporting has harmed my credit standing, caused emotional distress, and presents a willful abuse of my consumer rights.

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 2025-07-14 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: CA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX is knowingly and willfully furnishing false information to TransUnion, Experian, and Equifax. The account listed under reference number XXXX, with a reported balance of {$40000.00}, is being presented as a derogatory consumer debt, classified as collection/charge-off. 

However, this account does not arise from a personal credit transaction, and therefore does not meet the definition of a permissible reporting item under the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681b.

I have never signed a credit application or consumer agreement related to this debt, and there is no documentation proving otherwise. Their reporting is both inaccurate and illegally classified, violating : 1681s-2 ( a ) ( 1 ) ( A ) Reporting information known to be inaccurate 1681e ( b ) Failing to maintain reasonable procedures for accuracy 1681b Obtaining or using consumer reports for impermissible purposes 1681q Knowingly obtaining consumer information under false pretenses I have sent a cease-and-desist letter demanding deletion, and if they fail to remove the account, I will pursue litigation for willful noncompliance under 15 U.S.C. 1681n, which provides for actual damages, statutory damages, attorneys fees, and uncapped punitive damages. 

This inaccurate reporting has harmed my credit standing, caused emotional distress, and presents a willful abuse of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
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 four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9200.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8700.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$14000.00}

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 2025-07-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Optio Solutions, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX ( Collection for XXXX XXXX XXXX XXXX, Account XXXX XXXXXXXX ) Account Status : Listed as a collection for {$4000.00} I never received proper notice of this debt under the FDCPA. Validate the debt with a detailed accounting of the amount owed and proof of my liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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 XXXXDebt 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 2025-07-14 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: TX

Complaint narrative:
Notice Sent via Certified Mail XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX This notice is regarding the reporting of a secured loan account ( Acct XXXX XXXXXXXX ), which was paid and closed as of XX/XX/XXXX, yet continues to reflect a 30-day late mark for XX/XX/XXXX on my XXXX  credit report as of XX/XX/XXXX. 
This continued negative reporting is inaccurate, outdated, and defamatory in nature, in violation of : 15 U.S.C. 1681e ( b ) ( Failure to ensure maximum possible accuracy ) 15 U.S.C. 1681i ( Failure to correct after dispute ) 15 U.S.C. 1601 et seq. ( Failure to properly disclose closed credit impact ) State law regarding negligent credit defamation You are hereby notified : This late payment reporting is no longer relevant to an account that is closed and carries no balance.

The continued publishing of this data is damaging to my creditworthiness and emotional well-being.

I demand immediate removal of this tradeline or correction of its status.

To Whom It May Concern : This letter serves as a formal dispute of the charge-off entry being reported by your institution to the consumer reporting agencies. I have never received a Form 1099-C, which the IRS requires for debt cancellation events under 26 U.S.C. 6050P.

If the debt has been charged off and cancelled, as your reporting indicates, you are required to issue Form 1099-C to both me and the IRS. If the debt has not been cancelled, then reporting it as a charge-off while continuing to report a balance and delinquency is misleading, inaccurate, and deceptive under : 15 U.S.C. 1601 et seq. ( Truth in Lending Act ) 15 U.S.C. 1681s-2 ( a ) ( Fair Credit Reporting Act ) IRS reporting requirements These acts of negligence have caused measurable damage to my credit profile and have interfered with my ability to secure housing, credit, and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: North Capital Recovery Services
State: AR

Complaint narrative:
b"I am receiving harassment calls from a company I've never heard of (XXXX  or XXXX XXXX XXXX) for an advance loan they claimed I took out. I don't Do advance loans from online or phone companies; not even person to person loans. This is a fraud 100%. If I don't answer, my messages are blown up with return requests to a number at XXXX XXXX XXXX. And different phone numbers when I do answer.\nI've answered one of these calls and told that person that I have never taken out an advance loan from those companies she mentioned or otherwise, so I will Not answer another call from them no matter how many attempts there are to scam me."

Company response to consumer: Untimely response
Consumer complaint received 2025-07-14 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:
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 four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$1300.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$4100.00}

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 2025-07-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX, I was scammed out of {$1000.00} through a fraudulent XXXX transaction from my Wells Fargo savings account. A hacked XXXX account belonging to a friend of a friend shared a post claiming they were liquidating their fathers assets to pay for his transition into a retirement facility. The post listed a XXXX XXXX XXXX, which I was interested in purchasing. 

Before sending any money, I reached out to my friend through XXXX XXXX to confirm the listing was real. She said yes, not knowing her account had been compromised. The person impersonating her instructed me to send a {$1000.00} deposit via XXXX to the name XXXX XXXX at phone number XXXX. 

Only XXXX minutes after sending the money, my friend contacted me again to tell me her friend 's account had been hacked and that she did not post the listing. By that point, the money was already transferred, and the scammer stopped responding and blocked my account. 

I immediately filed a fraud dispute with Wells Fargo, and was given reference number XXXX. I explained the full situation and requested that the transaction be reversed, but I have not yet received resolution or confirmation that XXXX or the Wells Fargo fraud team will pursue it. 

This was not a case of buyers remorse, it was an intentional scam using impersonation and deception. I respectfully request that the funds be refunded and that the bank recognize this transaction as 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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Transunion, Equifax and Experian are holding wrong information that I tried to clarify, such as my correct name such be XXXX XXXX XXXX XXXX, my DOB should be XX/XX/year>, my employer is XXXX XXXX and finally my address should be XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
I have sent certified letters to them to correct issue and this was never corrected attached with my Drivers license and proof of residence and didnt change anything, please assist with this issue, any other information should be deleted from my profiles.

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 2025-07-14 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: NV

Complaint narrative:
Transunion, Equifax and Experian are holding wrong information that I tried to clarify, such as my correct name such be XXXX XXXX XXXX XXXX, my DOB should be XX/XX/year>, my employer is XXXX XXXX and finally my address should be XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
I have sent certified letters to them to correct issue and this was never corrected attached with my Drivers license and proof of residence and didnt change anything, please assist with this issue, any other information should be deleted from my profiles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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:
Incorrect addresses Numerous Incorrect /Fraudulent collections, charge offs, inquiries that do not belong to me. 

I have written and mailed letters, called, disputed online all the above and nothing has changed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
Incorrect addresses Numerous Incorrect /Fraudulent collections, charge offs, inquiries that do not belong to me. 

I have written and mailed letters, called, disputed online all the above and nothing has changed.

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 2025-07-14 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: OH

Complaint narrative:
These Agencies are in violation of these laws, they have prevented me from moving forward on previous times applying for credit, and Ive been turned down every time due to them, not obeying the laws.

1 ) 15 USC 1681s 2 ( A ) ( 1 ) 2 ) 15 USC 1681 c ( a ) ( 5 ) 3 ) 15 USC 1692g ( FDCPA ) 4 ) 15 USC 1692. ( C ) Please remove or delete from my credit file from all three agencies, Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
See Attachemnts! Upon reviewing my credit reports from XXXX, XXXX, and Experian, I have identified the following accounts and hard inquiries that are unauthorized, inaccurate, fraudulent, or unverified.

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 2025-07-14 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: NJ

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

1681c-2 ) that you, the Experian Credit 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 XXXX XXXX XXXX XXXX  NJ XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$00.00}

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 2025-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: FL

Complaint narrative:
I need help I had my account with XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX,,, This was a complete Suprise to me as it was there XXXX day and gone the next no sign that any scammer was after nor watching me also I have of course a user name and password I also had XXXX  XXXX and XXXX funding and withdraw protection but none of that keep someone from taking XXXX from my account. So far XXXX has not done anything I asked them thru the support, and they say they are too busy right now. This is over XXXX XXXX  of my investment money. So anyhow I did a look into it myself it was sent to this address XXXX I know because it was in my address on file on XXXX  with my approved address. BUT IT WAS JUST PLACED THERE. Like I said please help!!!! DATE OF THE THEFT WAS XX/XX/year>

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 2025-07-14 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: NY

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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