vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-27 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: LA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS :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 2025-10-27 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS 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 2025-10-27 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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 writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX.

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1700.00} INQUIRIES : XXXX 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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SLM CORPORATION
State: MI

Complaint narrative:
This has been several attempts now where Sallie Mae has billed me for an account that reflects the wrong name. I am formally requesting a copy of the Master Promissory Note ( MPN ) for the entire account, as this is the only way to verify the original borrower information.

The account was initially listed under XXXX XXXX XXXX, which is not my legal name, and it was later changed or removed without my authorization. If the Master Promissory Note does not bear my correct legal name, I am not legally responsible for repayment under contract law ( see Restatement ( Second ) of Contracts 9, which establishes that a contract must correctly identify the parties to be enforceable ).

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., it is unlawful for inaccurate or unverifiable information to remain on my credit report. I currently have an entry on my XXXX  credit report tied to this false information, and they have refused to remove it because of Sallie Maes reporting. This constitutes furnishing false information to a consumer reporting agency, in violation of 15 U.S.C. 1681s-2 ( a ).

I am requesting immediate investigation and correction of all records under my name, as well as written confirmation once the matter has been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I affirm that the false late payment entries on my accounts violate 15 USC 1666. I have consistently made my payments on time, and any inaccuracies in this reporting are both unfair and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXXXX/XX/scrub>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 2025-10-27 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: TX

Complaint narrative:
I received email notifications of activity on my Cash App account. The first notice was that my primary bank account was unlinked from my account. Then I received another notification that a new unknown bank account had been linked to my account. 
I immediately logged in and removed the new bank account from my Cash App account and reset my pin, however, there were no new devices or browsers shown to be linked to my account. No new device/browser activity. I received no notifications of attempts to login to my account. I had previously followed best practices on security my account using federated authentication from my XXXX account and face recognition on my mobile device. 
Contacting Cash App support, I received only directions on how to " secure my account '' and they refused to investigate how those actions were performed on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: IL

Complaint narrative:
I have reason to believe that my personal information has been compromised as a result of the recent TransUnion data breach.this is very concerning under the FCRA because it shows a failure to maintain reasonable procedures to ensure the accuracy and confidence of consumers data.

Under my right provided by the FCRA specifically section 602,607,611 and 15 usc 1666b as well as the Gramm-leach-billet act. Im requesting the immediate deletion of any accounts, inquiries or records that can not be fully verified

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 2025-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX, OH XXXX Date : [ Insert todays date ] Re : Continued Dispute Victorias Secret Credit Card Account ( ending in XXXX / XXXX ) Dear XXXX XXXX, This letter is in response to your correspondence dated XX/XX/year>, concerning the results of my dispute filed through the Consumer Financial Protection Bureau XXXX XXXX. No. XXXX ). Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 and 1681i ), I am exercising my right to request verification and validation of the accuracy and completeness of the information being reported. While your letter indicates that Comenity Bank is no longer the creditor and sold the account to XXXX XXXX XXXX XXXX XXXX, you have also stated that you continue to report the account as a charge-off. Under FCRA 623 ( a ) ( 2 ), furnishers are required to ensure that information furnished to consumer reporting agencies remains complete and accurate, including updates to reflect any transfer, sale, or extinguishment of the debt. Please provide : XXXX. Documentation verifying the accuracy of the charge-off date and reporting ; XXXX. Proof of assignment or sale to XXXX XXXX XXXX, including the date and amount transferred ; XXXX. Confirmation that no balance remains owed to Comenity Bank as you stated, and that your reporting reflects a {$0.00} balance ; 4. Certification that you have notified all consumer reporting agencies of the sale and that Comenity Bank is no longer the creditor. If you can not provide verifiable documentation as required by FCRA 611 ( a ) ( 5 ) and 623 ( b ), please delete or correct any inaccurate or incomplete information being reported to the credit bureaus. Additionally, under 15 U.S.C. 1692g ( b ) ( FDCPA ), I request that XXXX XXXX XXXX cease all collection activity until full validation of the alleged debt is provided, including a copy of the original contract bearing my signature and a full payment history. Failure to comply with these federal requirements may constitute a violation of the FCRA and FDCPA, and I reserve my right to pursue remedies through the CFPB and other regulatory channels if necessary. Please provide a written response within 15 business days of receipt of this letter confirming your compliance and including the requested documentation. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: IL

Complaint narrative:
My account was locked by XXXX XXXX due to some fraud activity. I had changed my location and ordered a new card because I was living with my boyfriend and he had stole my card when we broke up I had to change address n get a new card. Due to that that caused dipsoensuon to my account because it was considered unusual activity. They had told my id in it was going to take 100 hours of verification. Ive sent my id 3 times now since XX/XX/XXXX and have waited numerous weeks. With my account being on hold that has caused me to be held back on my rent, car note and phone bill which I depend on my benefits to pay for cuz I dont have a job!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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:
TRANSUNION, EXPERIAN, EQUIFAX ARE T=REPORTING INACCURATE INFORMATION CONCERNING XXXX  ACCOUNT THAT WAS OPENED FRAUDULENT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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:
TRANSUNION, EXPERIAN, EQUIFAX ARE T=REPORTING INACCURATE INFORMATION CONCERNING XXXX  ACCOUNT THAT WAS OPENED FRAUDULENT

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 2025-10-27 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: GA

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
My linked bank on cashapp was changed without my authorization and a transaction of {$4200.00} was sent to a debit card that doesn't belong to me. 
Cashapp has denied my claim and I am intending to sue cashapp for non adequate security measures to protect my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-10-27 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:
It suggests financial values I dont hold. 

It falsely represents my monetary beliefs.

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 2025-10-27 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 a victim of XXXX XXXX and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: OH

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under 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 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: ID

Complaint narrative:
re : Wire Transfer not processed properly by Institution ( s ) On XX/XX/year>, a wire transfer was initiated from a bank Bank to their Bank where I hold an account, who handles all incoming wire transfers for the entity. The amount in question is {$4000.00}.

The issue is that the wire transfer has not finished processing due to Sender and Recipient names not matching. A mistake was made in that the entity states on their website that both the Sender and Recipient names must match, but that does not excuse the entity from either accepting and completing the process. The issue has been escalated several times with the entity requesting supporting documents ( Bank Statements and Wire Transfer ), which were sent to through their secure chat platform. A week has passed since the issue was escalated with no acknowledgement from the receiving entity. The entity ( s ) received the attached document at least 7 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Subject : Request for Verification of Loan Ownership and Securitization Details Date : XX/XX/XXXX Wells Fargo Auto XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Request for Verification of Loan Ownership and Securitization Information Account/Loan No. : ending in XXXX XXXX XXXX XXXX. : XXXX Dear Wells Fargo Auto Executive Office, I am writing in response to your letter dated XX/XX/XXXX concerning the above-referenced auto loan. While your response summarized the payment and charge-off history, it did not address my specific request for information regarding the ownership and securitization of the Retail Installment Contract. 

Under my rights to receive full and accurate account information, I hereby request the following : Ownership and Transfer Details : * The name, address, and contact information of any entity, trust, or investor that has ever owned, purchased, or been assigned any beneficial interest in my loan after it was originated on XX/XX/XXXX. 

* The dates and details of any assignment, sale, or transfer, including whether the loan was included in any securitization or asset-backed trust. 

Chain of Title / Assignments : * Certified or true copies of all assignments, endorsements, or transfers of the Retail Installment Contract following its assignment from XXXX XXXX to Wells Fargo Auto. 

* The Pooling and Servicing Agreement ( PSA ) or similar document if the loan was securitized. 

Servicing vs. Ownership : * Written clarification whether Wells Fargo Auto currently acts as servicer, owner, or trustee of the above-referenced account. 

Verification of XXXX Reporting : * Confirmation of the date and amount of debt cancellation reported to the IRS on Form XXXX, and whether any subsequent sale or transfer occurred after that filing. 

This request is made in good faith for purposes of verifying lawful ownership, correcting records, and ensuring that all reporting to consumer credit agencies is accurate and compliant with the Fair Credit Reporting Act ( FCRA ). 

Please provide the above documentation or a written explanation within 30 days of receipt of this letter. If you believe Wells Fargo is not the appropriate entity to respond, please identify the current holder or servicer of the account. 

Finally, the signature that displays on the Social Security Card is the signature of my XXXX. How did you assumed that the signature was my signature? You don't have evidence nor proof of that, lol, just speculations and opinions and an opinion is just a dim reflection of the truth. 

Thank you for your attention to this matter. 

Sincerely, 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