vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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, TX XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} MID XXXX XXXX XXXX - Account Number : XXXX * * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00} INQUIRIES : XXXX XXXX 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 explanation
Consumer complaint received 2025-07-17 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: NJ

Complaint narrative:
This is not my first time disputing the same accounts here in the CFPB, and XXXX beyond frustrated that this issue still hasnt been resolved. Two accounts from XXXXXXXX XXXX  ( XXXX and XXXX ) have been deleted and reinserted into my credit report over and over again without any notice, certification, or proper verification. Here is the timeline : deleted in XX/XX/XXXX, reinserted on XX/XX/XXXX, deleted again on XX/XX/XXXX, reinserted on XX/XX/XXXX, deleted again on XX/XX/XXXX, and reinserted once again on XX/XX/XXXX. I even received written confirmation letters on XX/XX/XXXX, and XX/XX/XXXX, stating that the accounts were deleted so why are they still being reported? 

I requested the Method of Verification under 15 U.S.C. 1681i ( a ) ( 7 ), asking for proof, documentation, and the name and contact info of whoever supposedly verified this information. No one has given me anything. This violates multiple sections of the Fair Credit Reporting Act, including 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which requires notice and certification before reinserting anything, and 1681e ( b ), which mandates maximum possible accuracy. This is not just an oversight its a pattern of willful noncompliance and negligence.

At this point, this is already identity theft, and under 15 U.S.C. 1681c-2, I have the legal right to request a consumer reporting agency to block and delete any information resulting from identity theft. Ive already filed a police report dated XX/XX/XXXX to support my identity theft claim ( see attachment ), and Ive submitted all supporting documents, timeline, and deletion confirmations. There is no excuse for this to keep happening. 

Let me also point out that Experian is already facing legal action by the CFPB for engaging in sham reinvestigations and illegally re-reporting deleted information without proper procedures or verification. Whats happening to me looks exactly like that automated reinsertion, no notice, no response to my requests, and no accountability. This ongoing behavior is not only unfair and harmful, it mirrors the same unlawful practices already under scrutiny.

Im demanding that the CFPB take immediate enforcement action. I also reserve my right to pursue legal remedies under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. I truly hope that this time, these accounts will finally be deleted for good.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX XXXX XXXX XXXX XXXX XXXX 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Name : XXXX XXXX XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
i received a text and a phone call from XXXX saying they were Wells Fargo Fraud alert. They tried to make me enrol in XXXX and close my account. they were gon na open me a new account and have me deposit all my money in it. When I wanted verification of the call he game me my social security number and my birth date. The bank wants me to set up a fraud alert due to they have all my informatrion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
I processed an ACH from the financial institution that has my car loan, XXXX XXXX Bank, to my Savings account ending in XXXX at San Diego County Credit Union. I made a payment for {$1000.00} and looking a the XXXX verification sent by XXXX XXXXXXXX XXXX they state account ending in XXXX. After logging into my credit union I find my Checkings, ending in XXXX, over drafted. I then see transaction history to see what happened an they took the money from the wrong account number, I did not authorize withdrawal from XXXX. 
They created a courtesy ACH fee ( fancier way of saying overdraft fee. ) I called SDCCU asking them to refund it and to debit the proper account but they refused. {$32.00} charge for putting in the CORRECT account number. The CORRECT account had more than enough funds to cover the required transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inclusion of fraudulent accounts on my credit report and demand their immediate removal under applicable federal law. I am a victim of identity theft, and the following accounts were opened or used without my knowledge, authorization, or consent : XX/XX/XXXXAccount ending in XXXX XXXX Card Account ending in XXXX XXXX Account number XXXX These accounts are not mine and are the result of criminal activity. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2, I have the right to request the blocking of all information resulting from identity theft from my credit report. Additionally, FCRA 1681g ( e ) requires you to provide a description of the procedures used to determine the accuracy and completeness of the disputed information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Wire in the amount of XXXX was misdirected to XXXX of PA XXXX XXXX. 

XXXX XXXX XXXX send the wire to XXXX XXXXXXXX XXXX which never had an account in TD. The wire was fraud and identity theft. 

I send hundred wires, if you spell one letter that does not match the account name, the wire gets rejected. 

How is it possible a bank like TD ( Top XXXX Banks ) make a such an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: OK

Complaint narrative:
I have submitted a police report to all 3 Credit bureaus regarding Security Services LLC debt collection as not mine and collection is still on reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc
State: CA

Complaint narrative:
In XXXX of this year, I signed up for a XXXX fitness challenge at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I paid in full on the day of registration. In XXXX, I began receiving calls and emails from XXXX XXXX attempting to collect a debt for a monthly gym membership I did not authorize or recognize. 

Upon looking for the XXXX challenge agreement that the gym send to me the only document I signed, in person and in ink at the gym I discovered a separate document stating that unless canceled 30 days in advance, I would be enrolled in a monthly membership starting in XXXX. This document included my typed personal information but lacked any physical or electronic signature or consent. 

I immediately contacted XXXX XXXX ( XXXX ), requesting a signed copy of any contract that would legally authorize them to collect this alleged debt. They failed to provide such documentation and instead claimed they were only following the gyms policies and that I should take the matter up with the gym directly. 

I also emailed XXXX XXXX XXXX twice ( XXXX ) requesting proof that I had agreed to such membership terms. I received no direct response to my request of the signed agreement, but they did eventually reply acknowledging that the person who signed me up for the XXXX challenge also enrolled me into a monthly membership without my knowledge or consent. They stated the membership had been canceled. 

Despite this written admission from the gym, I forwarded the email to XXXX XXXX ( XX/XX/XXXX ), who still refuses to cancel the debt and continues to demand payment. They are now threatening to send the account to collections, even though they have failed to provide any valid, signed agreement proving I owe this money. I believe these actions are unjustified and potentially unlawful, and I respectfully request an investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
FCRA/CARES Act Violation Dispute Letter Subject : Formal Dispute and Request for Correction Due to CARES Act Violation To Whom It May Concern, I am writing to file a formal dispute concerning the inaccurate and unlawful reporting of late payments on my credit report related to the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX reported as of XX/XX/XXXX XXXX / XXXX / XXXX XXXX XXXX XXXX of XX/XX/XXXX These negative entries are in direct violation of the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ), signed into law on XX/XX/XXXX, and in effect through XX/XX/XXXX, and the Fair Credit Reporting Act as amended under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ).

Due to the COVID-19 pandemic, my business was closed during this time and I experienced a material hardship, which I communicated to my lenders. According to the CARES Act, if a consumer was affected by COVID-19 and had an agreement with a creditor for forbearance, deferment, or other accommodations, the creditor is prohibited from reporting the account as delinquent. 

By reporting these delinquencies in XXXX and XX/XX/XXXX, both furnishers and the credit reporting agencies have violated federal protections meant to shield consumers during this national crisis. 

I am formally demanding that you : Immediately update these accounts to immediately REMOVE them entirely from my credit report, due to unlawful reporting. 

Failing to correct this information would constitute continued non-compliance with federal law, specifically the CARES Act protections and the amended FCRA requirements regarding consumers impacted by COVID-19.

If not corrected within the timeframe allotted by the FCRA, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for willful violation of my rights.

Thank you for your urgent attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX D.O.B XX/XX/XXXX [ Last 4 of SSN : XXXX XXXX XXXX XXXX of 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 non-monetary relief
Consumer complaint received 2025-07-17 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: EQUIFAX, INC.
State: SC

Complaint narrative:
FCRA/CARES Act Violation Dispute Letter Subject : Formal Dispute and Request for Correction Due to CARES Act Violation To Whom It May Concern, I am writing to file a formal dispute concerning the inaccurate and unlawful reporting of late payments on my credit report related to the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX reported as of XX/XX/XXXX XXXX / XXXX / XXXX XXXX XXXX XXXX of XX/XX/XXXX These negative entries are in direct violation of the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ), signed into law on XX/XX/XXXX, and in effect through XX/XX/XXXX, and the Fair Credit Reporting Act as amended under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ).

Due to the COVID-19 pandemic, my business was closed during this time and I experienced a material hardship, which I communicated to my lenders. According to the CARES Act, if a consumer was affected by COVID-19 and had an agreement with a creditor for forbearance, deferment, or other accommodations, the creditor is prohibited from reporting the account as delinquent. 

By reporting these delinquencies in XXXX and XX/XX/XXXX, both furnishers and the credit reporting agencies have violated federal protections meant to shield consumers during this national crisis. 

I am formally demanding that you : Immediately update these accounts to immediately REMOVE them entirely from my credit report, due to unlawful reporting. 

Failing to correct this information would constitute continued non-compliance with federal law, specifically the CARES Act protections and the amended FCRA requirements regarding consumers impacted by COVID-19.

If not corrected within the timeframe allotted by the FCRA, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for willful violation of my rights.

Thank you for your urgent attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX D.O.B XX/XX/XXXX [ Last 4 of SSN : XXXX XXXX XXXX XXXX of XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CT

Complaint narrative:
Hello, I am seeing discrepancies between what I've paid and the amount reflected in MOHELA Account History. I'm reconciling the MOHELA data with my bank statement information. 

I am providing a bank statement stretching back 2 years ( this issue may stretch back even further in time than that, but I have a 2-year lookback limit on my bank statements ) to show how much I've paid and I can reference where MOHELA is off. I am also providing a MOHELA payment history spreadsheet ( " ByTransaction '' ). 

I called MOHELA on XX/XX/XXXX to request a full payment history, and they responded on XX/XX/XXXX with an incomplete payment history, only focusing on one loan but they do not even specify which loan it is.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XX/XX/year>, I sent {$1800.00} through XXXX XXXX XXXX Bank of America account to a business for a vehicle title transfer. The business failed to complete the service and admitted the funds could not be refunded because they lost the receipt for a money order they claimed was made payable to the DMV. 

I first requested a refund on XX/XX/year>, after being told the title could not be processed. I followed up again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and each time, I was either ignored or told my refund was coming, which never happened. 

On XX/XX/year>, I contacted Bank of America to dispute the transaction, but my claim was denied. I believe this transaction qualifies for protection, as the service was never delivered and the business acknowledged failure. 

Bank of America promotes XXXX as a safe platform, but in this case, I was left unprotected and lost {$1800.00} for a service I never received.

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