vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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:
It has come to my attention that my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of a data breach report showing my information being exposed in a national data breach and a validation of a debt letter.

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 2025-06-18 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:
Consumer Name : XXXX XXXX XXXX Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : 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. This fraudulent, inaccurate, and false information consists of a that appears related to the aforementioned fraudulent accounts consist of collection accounts open between the years of XXXX including collection accounts XXXX XXXX {$520.00} Reported : XXXX. XXXX, XXXX, XXXX XXXX XXXX {$450.00} XXXX Reported : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, 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 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 2025-06-18 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : 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. This fraudulent, inaccurate, and false information consists of a that appears related to the aforementioned fraudulent accounts consist of collection accounts open between the years of XXXX including collection accounts XXXX XXXX {$520.00} Reported : XXXX. XXXX, XXXX, XXXX XXXX XXXX {$450.00} XXXX Reported : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, 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 explanation
Consumer complaint received 2025-06-18 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX  XXXX # XXXX XX/XX/XXXX XXXX {$28000.00}

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 2025-06-18 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: CL Holdings LLC
State: GA

Complaint narrative:
I, XXXX XXXX, am filing this formal complaint against XXXX  and JEFFERSON CAPITAL LL regarding the following account : Account Name : JEFFERSON CAPITAL LL Account Number ( Partial ) : XXXX Nature of Complaint : XXXX  is reporting a collection account furnished by JEFFERSON CAPITAL LL. However, JEFFERSON CAPITAL LL has already confirmed in a prior response that they can not verify or validate this alleged debt. Despite this, XXXX  continues to report this information on my consumer report. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and reflects a failure by both parties to maintain the accuracy and integrity of the information reported. If the data furnisher can not verify the account, then XXXX  has no legal basis to include it in my credit file.

Legal Violations : This conduct violates the following sections of federal law : 15 U.S. Code 1681e ( b ) Duty to follow reasonable procedures to assure maximum possible accuracy 15 U.S. Code 1681i ( a ) Requires a proper reinvestigation if information is disputed 15 U.S. Code 1692g Debt collector obligations to validate a debt when requested

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
I am reporting inaccurate and fraudulent information on my credit report resulting from identity theft. Specifically, accounts from XXXX XXXX and XXXX XXXX  were added to my credit file without my knowledge or authorization. I never applied for credit or services from these companies. 

I discovered these accounts while reviewing my credit report in XX/XX/year> and immediately submitted dispute letters under the Fair Credit Reporting Act ( FCRA ) 1681c-2, which gives consumers the right to block identity theftrelated tradelines. 

I also requested documentation validating the legitimacy of the debts. As of today, no such documentation has been provided. These accounts are having a negative impact on my creditworthiness and ability to secure housing and financial services. 

I am requesting that these companies be required to verify the accounts or remove them entirely in accordance with federal law.

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 2025-06-18 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: TX

Complaint narrative:
I am reporting inaccurate and fraudulent information on my credit report resulting from identity theft. Specifically, accounts from XXXX XXXX and XXXX XXXX  were added to my credit file without my knowledge or authorization. I never applied for credit or services from these companies. 

I discovered these accounts while reviewing my credit report in XX/XX/year> and immediately submitted dispute letters under the Fair Credit Reporting Act ( FCRA ) 1681c-2, which gives consumers the right to block identity theftrelated tradelines. 

I also requested documentation validating the legitimacy of the debts. As of today, no such documentation has been provided. These accounts are having a negative impact on my creditworthiness and ability to secure housing and financial services. 

I am requesting that these companies be required to verify the accounts or remove them entirely in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
I submitted XXXX written disputes and a marked-up credit report about inaccurate reporting on XXXX credit accounts to Equifax. Despite providing evidence and requesting corrections, Equifax has failed to respond appropriately. 

Key issues include : Contradictory last payment dates Continued charge-off reporting with no new activity Inconsistent high credit values and missing closure dates Impossible delinquency patterns ( e.g., XXXX XXXX lates in a row ) I also requested a Method of Verification ( MOV ) and a copy of the original signed agreements. Equifax has not provided either. 

My initial dispute was followed by a final notice sent on XX/XX/year>, warning of arbitration and regulatory escalation. I request CFPB assistance to compel Equifax to either verify the data with lawful evidence or delete the unverifiable items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
b'Subject: Experian Refused to Remove Medical Debt in Violation of CFPBs XXXX XXXX XXXX Rule\n\nComplaint:\n\nI am filing a complaint against Experian for failing to comply with the Consumer Financial Protection Bureaus final rule that prohibits the inclusion of medical debt on consumer credit reports, effective XXXX XXXX XXXX.\n\nAs of XXXX XXXX XXXX, Experian continues to report two medical collection accounts on my credit report, despite this rule being in effect. When I contacted Experian by phone, the representative claimed they were unaware of the rule and refused to remove the item. I requested escalation to a supervisor or dispute specialist and was told they could not help me unless I provided documentation that the debt was inaccurate  which is not the standard under the new rule.\n\nThis medical debt is accurately labeled as a medical collection, yet it should no longer appear on my credit report at all, regardless of amount, payment status, or age, per the CFPBs new regulation.\n\nThis is a clear violation of federal consumer credit reporting law as revised by the CFPBs XXXX final rule.\n\nDetails of the Account Being Reported:\n\t\tCollector Name: 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 XXXXI am requesting that the CFPB:\n\t\tInvestigate Experians continued reporting of medical collections\n\t\tRequire Experian to comply immediately with the new rule\n\t\tEnsure the medical collection accounts are removed from my credit report\n\t\tEnforce accountability for failure to follow the federal policy\n\nThank you for your attention to this matter. I would appreciate written confirmation of your investigation and resolution.'

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 2025-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they sis not comply with error resolution requirements under the Electronic Fund Tranfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I deposited my payroll check into my Capital One checking account last Wednesday which was XXXX the XXXX they put a hold on my check and said it will be available for withdrawal on the XXXX of XXXX which was today when I woke up this morning it was still unavailable but it said it had been deposited and I contacted Capital One and they said it still had to be verified by the fraud department for one I have no idea why it was even sent to the fraud department. They can not give me an answer at all to why I have not received my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: DC

Complaint narrative:
I have a CashApp account associated with my XXXX of XXXX. I lost the debit card in a XXXX. I called CashApp and got computer prompts to freeze the account. I was unable to perform the action since the account was compromised. I finally reached an agent named XXXX. He said he could not freeze the account unless it was done through the App. The App would not let me login since my email was dis-associated with my account. The fraudster drained my XXXX XXXX  account to the tune of {$5000.00}. I could not access the CashApp account and the firm refused assist me. I also have over {$300.00} in a savings account and about {$90.00} worth of stock purchased through the app in transactional shares.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: MD

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of account : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: NC

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
On XX/XX/year> I received a call from a person identifying themselves as from Wells Fargo fraud department. Per their instructions they were investigating identity theft at the Wells Fargo branch in XXXX, Ca. I then went the bank, withdrew {$16000.00} cash, and went the ATM outside the bank and deposited the {$16000.00} cash back to the bank. I used a new Wells Fargo debit card that they ( the scammers ) created in my XXXX XXXX. After I deposited the money I was instructed to delete the debit card created in the XXXX XXXX. The money did not show up in my checking account and there is no trace of what happen to the money. I called Wells Fargo and XXXX XXXX department. An investigation is underway.

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 2025-06-18 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:
Please see attachments! 
I have attached my FTC Identity Theft Report, along with copies of my identification, Social Security Number, and proof of my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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 complaint serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the account listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with XXXX compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions. 

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law. 

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights. 
You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed account, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ). 

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs.

This account do not belong to me, as they are fraudulent. The banks have agreed to remove this account from my records. Im confused why you still feel theyre reporting accurately. Please see this account is fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXXXX/XX/year> ; XXXX XX/XX/year>. 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. XXXX.

Company response to consumer: Closed with non-monetary relief