vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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 am filing a complaint serves as my fourth and final formal notice regarding the fraudulent account and Inquiries appearing on my credit report, which are a direct result of identity theft. I have previously sent three dispute letters, along with sufficient documentation, but the matter has not yet been resolved. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
In XX/XX/year>, an account with Ally Bank ( credit card ) was reported as charged off. Since that time, the account 's payment history has been repeatedly updated on a monthly basis with new " charged off '' entries. 

A charged-off account should not have an active, ongoing payment history. These continuous updates are inaccurate and create a false impression of activity on the account, which could potentially manipulate the statute of limitations. This misrepresentation of information is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: T.S. Holdings
State: WA

Complaint narrative:
On XXXX  XX/XX/XXXX of 2025 I got a call from XXXX XXXX stating that I needed to pay my debt, I had told them that I went to XXXX XXXX XXXX that is not a third party relief program as a payment plan since IQ didnt give me that option, instead of listening to that opportunity they threatened me with a court lawsuit action, proceeded to try and take out XXXX with only giving me two-three weeks of saying go to a bank and get a loan and which I couldnt because I was denied of said loan. I went to XXXX XXXX XXXX for the payment plan to help instead and I would be paying XXXX dollars a month for that rent debt bill. Now the XXXX XXXX is calling me more than once a day even calling my family members as well this is considered harassment. XXXX XXXX XXXX is willing to work with XXXX XXXX but XXXX XXXX came off very aggressive, agitated, and threatening ; which is not okay as a human right for someone who has severe anxiety disorder and can be sent of to unknown to mental unstable mindset. I am writing this in hopes that this will be resolved as soon as possible. The calls started XX/XX/XXXX of XXXX, but today on XX/XX/XXXX was not okay at all. I have spoken with the representatives of XXXX XXXX XXXX and they have advised me not to continue communication with the collection agency due to what happened. It was a threatening behavior and not okay as well as harassment theyve called not once but XXXX times towards me and the fourth time to another family member which they should not have done. I have never had emails from XXXX XXXX only XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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:
I am a victim of identity theft would like this accounts removed from my 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 non-monetary relief
Consumer complaint received 2025-07-26 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:
I was added as an authorized user of a XXXX XXXX XXXX XXXXXXXX credit card without my consent. I have now been taken off the credit card and would like to have this removed from my credit report from all three reporting agencies as I was added erroneously without my 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 explanation
Consumer complaint received 2025-07-26 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: NY

Complaint narrative:
I was added as an authorized user of a XXXX XXXX XXXX XXXXXXXX credit card without my consent. I have now been taken off the credit card and would like to have this removed from my credit report from all three reporting agencies as I was added erroneously without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: NY

Complaint narrative:
I was added as an authorized user of a XXXX XXXX XXXX XXXX credit card without my consent. I have now been taken off the credit card and would like to have this removed from my credit report from all three reporting agencies as I was added erroneously without my 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 2025-07-26 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: NV

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-26 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: FinCo Services Inc DBA Current
State: TN

Complaint narrative:
I currently bank with Current. I have recently had unauthorized withdrawals from my account that I have immediately disputed only to fall short of anything being done. I do not make a habit of disputing withdrawals unless they are warrented. When I say I did not authorize these withdrawals then that's exactly what I mean.i had a {$200.00} withdrawal from XXXX XXXX that was not authorized at all and then today XXXX different charges XXXX from XXXX that I didn't authorize and XXXX from XXXX money for {$35.00}. When I try to contact either company I am unable to speak with a real person and one I can't get passed them wanting my social security number then not accepting it and when told to contact support they tell me all agents are busy. Current security is worse than any online bank and when they have allowed these unauthorized withdrawals I have not yet been able to receive my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
I sent a wire transfer from Discover Bank to the XXXX XXXX  in the amount of {$100000.00} on XX/XX/XXXX. Someone in their wire department added unauthorized comments to the transfer form. XXXX XXXX  placed a hold on the transaction until more information was received. I provided the necessary information to Discover Bank. I thought that everything was fine. On XX/XX/XXXX, I received notice that the transfer had not been credited to the designated account. I initiated a wire recall on XX/XX/XXXX. Discover Bank is not pursuing the recall because they say they are waiting for a response from XXXX XXXX. I have been in contact with XXXX XXXX  and they told me what information they requested from Discover Bank. Every time I call Discover Bank, they say they are waiting for a response XXXX XXXX. XXXX XXXX  has sent two requests for a " Hold Harmless Letter '' this week. Discover Bank keeps telling me that they have not received any requests. Discover Bank refuses to send me any copies or documentation of our discussions. I have had more success in dealing with XXXX XXXX  than Discover Bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-26 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:
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 explanation
Consumer complaint received 2025-07-26 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: AR

Complaint narrative:
These entries were fraudulently opened and do not belong to me. Ive already provided the FTC Identity Theft Report and proper supporting documentation. Under FCRA Section 605B, these accounts must be blocked and deleted. The continued reporting of this fraudulent information is unlawful. Please act immediately to remove these items from my credit fileXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am disputing a Macys/Citibank account XXXX Account # XXXX ) that was discharged in my XXXX  XXXX bankruptcy on XXXX.Despite being legally discharged, the account continues to report as derogatory. This is inaccurate and violates the FCRA and bankruptcy discharge protections.

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 2025-07-26 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:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These accounts in question are : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX High Balance : {$190.00} Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/2025 Duration : 7 years XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) High Balance : {$320.00} Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/2025 Duration : 7 years

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 2025-07-26 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 am formally submitting a complaint against TransUnion for failing to remove unauthorized inquiries, fraudulent accounts, and incorrect addresses from my credit report. I have previously submitted multiple disputes, an FTC Identity Theft Report, and supporting documentation proving these accounts and inquiries resulted from identity theft. Despite this, TransUnion has failed to take appropriate action, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Fraudulent 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 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 2025-07-26 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: FL

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 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: MO

Complaint narrative:
Saw advertisement for a {$200.00} bonus if I opened a new netspend debit account and completed their terms. Terms were to open a new netspend debit account between XX/XX/XXXX to XX/XX/XXXX. I had to pass ID verification, I also has to activate the debit card. I also had to enroll in direct deposit and receive a direct deposit of {$400.00} or more into the account within 90 days of account opening. The {$200.00} bonus was to be added to my account within 5 business days of qualifying direct deposit activity. 

I applied through the offer page and my application was approved on XX/XX/XXXX. I took screenshot of the offer as well. I passed id verification a day later, and activated the debit card when it arrived in the mail. I enrolled in direct deposit and received a {$400.00} direct deposit from my place of employment on XX/XX/XXXX. Therefore all requirements were fulfilled. Based on their terms the {$200.00} bonus should have been deposited into my account by XX/XX/XXXX. I did not receive the bonus and as of today XX/XX/XXXX. 

I have attempted to ask netspend why they have not deposited the bonus as they should have based on their terms. They have given me the run around multiple times. The first time was on XX/XX/XXXX, I spent 45 minutes on the phone with their customer service, and the rep was unhelpful and gave false information. I was sent to a supervisor who instead of helping me put me on hold and then routed me to the automated line. I also tried to send secure messages to netspend asking about my bonus. They have again been unhelpful and say the bonus will be paid out within 5 days of meeting all qualifications, which again should have been XX/XX/XXXX. I have waited over the required time and netspend is still not paying me the bonus based on their terms.

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 2025-07-26 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: AZ

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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