vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 1

5 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 FTC Report Number : XXXX 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 1

5 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 FTC Report Number : XXXX 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: FL

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
My employer over the summer sent a bad check ( {$2700.00}, attempted deposit XX/XX/year> ) without notifying me and I attempted to cash the check into my checking account with XXXX XXXX. The check bounced and my account was shutdown for fraud. I have tried for the last 23 days to contact Santander and learn about what is going on with my account and how to fix the issue. Since the beginning of the month was approaching I needed to access my account to make rent payments/pay credit card bill ect. Santander refuses to tell me my bank balance, if my account is over drafted or when my account will be accessible again. I asked them what I should do if I can't pay my bills on time and was given no answer. I was just on the phone again with them today ( XX/XX/year> ) and I was turned away again. My employer 's bank ( XXXX XXXX XXXX  ) said that the bad check was returned to them said that everything on their end is fine and they don't understand why my account is still shut down.

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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC
State: NY

Complaint narrative:
Starting late XXXX, I started receiving incessant calls to my mobile phone from a company that identified itself as " Shepherd ''. Since I do not know anyone or any company by that name, I let it go to voicemail. These continued every day for months with no voice mails being left so I assumed it was some sort of phone solicitation spam. Since the numbers changed everytime they called, there was no way to block the number. 

Then they stopped making phone calls earlier this year and started sending me texts once per day, every day. I knew these were phony as well because they were always addressed to " XXXX '' and that is not my name. 

When I researched this " Shepherd Outsourcing '' and " XXXX XXXX '' that appeared on the texts, I found that quite a lot of people are receiving these same spam communications and they have been unable to stop them. I have no debt whatsoever. There are no collection activities against me and my credit rating is exceptional at all three rating services so this is a scam and I want it stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: SC

Complaint narrative:
Your Name : XXXX XXXX Your Address XXXX XXXX  XXXX XXXX XXXX, State ZIP Code XXXX XXXX SC, XXXX Email Address XXXX Phone Number XXXX Date : XX/XX/2025 Debt Collector 's Name Vance & Huffman LLC Debt Collectors Address XXXX XXXXXXXX XXXX XXXX XXXX City, State ZIP Code XXXX, VA XXXX Subject : Request for Debt Validation Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Dear Vance & Huffman LLC I am writing in response to your [ letter/phone call ] dated [ XX/XX/2025 ], regarding an alleged debt you claim I owe. This is not a refusal to pay, but a request for validation of the debt, as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The amount of the alleged debt.

2. The name of the original creditor XXXX XXXX 3. A copy of the original contract or agreement bearing my signature ; 4. A complete accounting of how the amount was calculated ; 5. Proof that you are legally authorized to collect this debt in my state ; 6. A copy of your license to collect debts in [ Your State ], if applicable.

Until you provide proper validation of this debt, I request that you cease all collection activities, including reporting this information to credit bureaus. Be advised that any attempt to collect this debt without proper validation is a violation of the FDCPA.

Please respond within 30 days of receiving this letter. I will retain a copy of this letter for my records. 
Sincerely, XXXX XXXX ________________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: VA

Complaint narrative:
I am disputing fraudulent XXXX XXXX XXXX ( XXXX  ) collections on my Experian report : ( 1 ) XXXX XXXX XXXX  XXXX collection , and ( 2 ) XXXX XXXX XXXX collection ( account ending in XXXX ). These are the result of identity theft, supported by my FTC Identity Theft Report ( # XXXX ). 

Despite prior disputes and CFPB complaints, Experian continues to report these fraudulent accounts in violation of FCRA 605B, 611, and 623, and Metro 2 standards.

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 2025-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report includes collection accounts that I believe contain inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: OH

Complaint narrative:
i recently acquire a copy of my credit report, upon reviewing my credit report i notice there is a fraudulent account on my credit report. please remove this from my credit report is hurting my ability to obtain credit

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 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On Saturday XXXX XXXX at XXXX XXXX  I made a payment to an account worth {$55.00} for a service. I did not receive said service. I contacted Cashapp immediately and filed a scam report and requested a refund submitting all screenshots and conversations that I had with the person claiming to offer me a service. Cashapp responded to me on XX/XX/year> and stated that they were unable to offer me a refund. They contacted me via email and did not give me a reason why. This is what cashapp said : " Update on your recent scam report Thanks for reporting this. We completed our investigation and determined that were unable to reimburse you for this payment. 
We understand this may not be the outcome you expected. We still appreciate your help in keeping Cash App safe. We use reports like yours to identify and take action against scammers. 

Protect yourself from scams Learn more about how you can keep your account safe and avoid scams in the future. 


This is unacceptable because I was offered a service in which I did not receive. I have since contacted my bank and requested a formal refund due to the fact that I was scammed. Cashapp refused to refund me, which is why I am submitting this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: NV

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Account Resolution Corporation
State: MO

Complaint narrative:
Account Resolution Corporation is attempting to collect a debt with no legal standing or proof of ownership of said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I need to stress that this complaint is not a mistake. My credit report contains inaccuracies that are not assured to be of the maximum possible accuracy. These errors are taking a serious toll on me and continue to affect me negatively in ways you can not begin to imagine. These are very difficult times, and it would be a great help to me, even a blessing, if these inaccuracies could be corrected and/or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Glasser and Glasser, PLC
State: MD

Complaint narrative:
XXXXXXXX XXXX had glasser and glasser serve me a court summons from a private processor. That guy hands papers to someone not living with me for something that isn't even mine. Wrong address and person. He used information outdated online to describe the guy. Name age address etc. The guy never said who he was. The processer lied on the affidavit of service. So I called XXXX XXXX XXXX  plenty of times. Of the few someone answered i gave them the file number and address but they said the rest of my information doesn't match so they can't and won't talk to me. Hello right there says wrong person. They refused to dismiss the case or put in the file wrong person or anything. I went to court once and find out they didn't show because they didn't get my intention to defend. Aka I have to many lawsuits to attend because they sue too many for bogus debt. So they were granted another hearing which won't happen till XX/XX/2025. I already missed work for the first one and again in XXXX. They served me wrong the first time because I was out of town I couldn't even say you have the wrong person. The guy at my house was visiting taking care of my dogs. They didn't even ask the courts for a substitute service. Which is required in Maryland to serve others papers. So I had to file a motion to dismiss but I'll still have to waste my time in court for debt that isn't mine. They were hoping to get a default judgment but didn't happen. Please get them to dismiss and find the correct person. I have a popular name they didn't even get my middle initial correct. My information online gets crossed all the time with others it's annoying.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XXXX XXXX there were ATM withdrawal in the amount of XXXX and XXXX ( including transaction fees ) which were not authorized were debited out of my account. I called Paypal Inc the holder of my checking account to report and dispute the issue. then i received an email on XX/XX/year> informing me that the case was closed not in favor of me. I called them to appeal the decision and I was told to submit a documents to prove that i was not in XXXX XXXX XXXXXXXX were the withdrawal happened. I uploaded a work schedule showing that on that day i was schedule to work. I work 1hr drive away from the city and if I would like to withdraw money there is a 711 stores 5mins away from me, and also I have the physical card with me. after couple of days I called to ask for the status and I was told that I will be receiving an email on XXXX XXXX after the holiday. but did not receive any so I called again the next day and I was told that there was no appeal submitted but the XXXX XXXX she will take care of that for me and she said she did and i will be receiving an email confirmation, day pass no email confirmation received and this is why I'm complaining. My case ID are XXXX and XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A late payment has been inaccurately reported on my credit file. My records demonstrate that all obligations were met punctually, and the reported delinquency is incorrect.

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 2025-09-04 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: IL

Complaint narrative:
I am beyond frustrated with the continued presence of false and damaging information on my Transunion credit report. These are not minor oversights or clerical errorsthey are substantial misrepresentations that are actively sabotaging my financial progress and personal stability. 

I have gone through the formal dispute process in good faith, with the reasonable expectation that these issues would be corrected responsibly. Instead, I have been met with silence and negligence. The failure to properly investigate and resolve these inaccuracies leaves me feeling ignored, disrespected, and financially punished for mistakes that are not mine.

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 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
All of a sudden my credit score has been dropping the past few months and I could not find out why when I called the Care Credit card company. I requested a copy of my credit report recently and discovered that there was a Care Credit Card joint account with my name on it and the name of the man I care for and he lives in my home. I questioned him about this and he said he did not put my name on his account. We called the XXXX XXXX XXXX XXXX XXXX  ) and spoke with the man there and explained he made a mistake in adding my name to the card. My score came back up but now it is down again and that account is on my credit report. I believe the business was sold an the new name is XXXX XXXX, in XXXX XXXX Florida. I had a XXXX  Investigation done and they came back saying it was verified as accurate. I NEVER signed for credit with this company and ask that you request an application signed by me. I want my name off that account. I have my own Care Credit account through my XXXX office and pay my credit card accounts in full every month.

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