vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

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

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 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 my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-24 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: FL

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within XXXX ( XXXX ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my XXXX credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-10-24 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: MI

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 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

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 2025-10-24 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 am a survivor of XXXX XXXX  and a victim of identity theft and financial abuse that occurred as part of my XXXX  situation. During and after this period, my personal informationincluding my name and Social Security numberwas misused in numerous ways, leading to damaged credit accounts, fraudulent activity, and negative marks on my credit report. My credit was further compromised by XXXX known data breaches this year.These events caused extensive inaccurate information to appear on my credit report, including late payments, collections, and closed accounts that I did not authorize or control. I have asked the credit bureaus and creditors to review and block these negative items under the Debt XXXX  Repair Act, which protects survivors of XXXX. However, the harmful information remains uncorrected, leaving me unable to secure housing or credit.This situation is urgent. I was recently awarded a Section 8 housing voucher that expires on Saturday, and the inaccurate credit information is preventing me from renting a place to live. Im requesting that all negative items tied to identity theft and XXXX  be blocked, that my credit report be corrected, and that my credit score reflect my true financial history so I can obtain safe housing and stability.

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 2025-10-24 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: MD

Complaint narrative:
I am a survivor of XXXX XXXX  and a victim of identity theft and financial abuse that occurred as part of my XXXX  situation. During and after this period, my personal informationincluding my name and Social Security numberwas misused in numerous ways, leading to damaged credit accounts, fraudulent activity, and negative marks on my credit report. My credit was further compromised by XXXX known data breaches this year.These events caused extensive inaccurate information to appear on my credit report, including late payments, collections, and closed accounts that I did not authorize or control. I have asked the credit bureaus and creditors to review and block these negative items under the Debt XXXX  Repair Act, which protects survivors of XXXX. However, the harmful information remains uncorrected, leaving me unable to secure housing or credit.This situation is urgent. I was recently awarded a Section 8 housing voucher that expires on Saturday, and the inaccurate credit information is preventing me from renting a place to live. Im requesting that all negative items tied to identity theft and XXXX  be blocked, that my credit report be corrected, and that my credit score reflect my true financial history so I can obtain safe housing and stability.

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 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
On XX/XX/year> I noticed a duplicate payment of {$5000.00} to my Bank of America CC from my personal banking account at XXXXXXXX XXXX XXXX XXXX I called BofA the same day and inquired about the overpayment. I was informed that a credit balance refund would need to be made and an investigation would be completed prior to the refund being provided. I was informed that it would take up to 10 business days to complete the investigation. I was asked if I wanted the entire refund of {$5000.00} or if I would like to apply {$500.00} to pay my balance to {$0.00}. I agreed and BofA made an adjustment to my credit card balance on the XXXX of {$4400.00}. I will also note that on XX/XX/year> I was charged {$66.00} in interest when my balance was {$0.00}. Moving on to XX/XX/year> I had not received any information, so I called BofA again. The representative acknowledged the overpayment, and I was told that a check in the amount of {$4400.00} would be sent to me within XXXX business days. On XX/XX/year>, I had not received any information or check from them. So, I called again. I was told again that an investigation would need to be completed and that I would then receive an ACH payment. I verified my routing and account number to receive the refund, and I could expect payment within 10 business days. That leads me to today, XX/XX/year>. I still have not received any refund, so I called again. After receiving my call, I asked to speak to a supervisor ( XXXX ). I informed XXXX of my situation ; after reviewing my account, he again informed me that an investigation would need to be completed and that it could take 7 to 14 business days for the investigation to be completed. I then asked to speak to his supervisor, and I was connected to XXXX. XXXX informed me of the same. I asked for an explanation of why it has taken over 70 days to resolve this issue, and now I have to wait another 14 business days, which equates to 21 calendar days. All XXXX could do was reiterate the need for an investigation and that I would hear back from them. All I want is my refund, that BofA acknowledge on XX/XX/year>. I've been told I would receive a check, and ACH for the balance, and now again, that an investigation would need to be completed. It should not take 90 days to complete any investigation after acknowledging an error. I have been financially harmed due to BofA 's lack of response, and I believe this is a UDAAP violation.

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 monetary relief
Consumer complaint received 2025-10-24 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: NJ

Complaint narrative:
This complaint concerns the unlawful and inaccurate reporting of an account by XXXX XXXX, which is being furnished and published by the credit reporting agencies listed above. The account ( partially identified as # XXXXXXXX XXXX XXXX XXXX XXXX ) is being reported as charged off / collection / derogatory with a balance of {$1500.00}. 

The reporting is false, misleading, and illegal, as it violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Details of Violations The debt is time-barred under XXXX XXXX law . 

Under XXXX Stat. Ann. 2A:14-1, the statute of limitations for open-ended accounts ( credit cards ) is XXXX years. 

The XXXX account shows no verified payments since XX/XX/XXXX. 

Therefore, any attempt to collect or continue reporting this debt as active or collectible is unlawful and misleading under 15 U.S.C. 1692e ( 2 ) ( A ) and 1681s-2 ( a ) ( 1 ) ( A ). 

This debt is legally uncollectible and unenforceable, yet it continues to appear as a charge-off with an outstanding balance. 

Inconsistent and inaccurate reporting among CRAs. 

Experian and Equifax report conflicting dates and remarks : Experian : Last activity XX/XX/XXXX, Date reported XX/XX/XXXX. 

Equifax : Last activity XX/XX/XXXX, Date reported XX/XX/XXXX. 

These inconsistencies clearly violate FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires CRAs to ensure maximum possible accuracy. 

Failure to properly verify upon dispute. 

I submitted disputes to both Experian and Equifax demanding validation of this debt under 15 U.S.C. 1681i. 

Despite the absence of any original signed contract, statements, or payment validation, the CRAs reinserted or failed to remove the account. 

This constitutes willful and negligent noncompliance under FCRA 616 and 617 ( 15 U.S.C. 1681n, 1681o ). 

Emotional and financial harm. 

This erroneous derogatory entry has significantly impacted my creditworthiness, leading to multiple credit denials, higher insurance rates, and emotional distress. 

The CRAs failure to ensure accuracy has directly harmed my ability to obtain fair credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XXXX I received {$100.00} from my renters who have been using XXXX to pay me any amount between $ XXXX and month. We have had maybe one hiccup prior where funds took a day or two to release. On the XXXX I tried to transfer the funds to another mobile app XXXX, XXXX XXXX as I normally do to withdraw the funds. I was unable to do so but I was having login issues because my cell phone was smashed since I am a XXXX abuse victim. I tried for over 12 hours to get access to my account since I was unable to complete the two factor authentication. O. XXXX i went back at troubleshooting and was told my account was in good standing and I changed email addresses a few times that day to try and receive the funds. I let the supervisor XXXX know that the funds were to help get me out of town away from my abuser. No word or follow-up. I called the XXXX, XXXX, XXXX, and XXXX. I was in another town two hours away where myself and the father of my child ( I'm XXXX ) were in a physical altercation which led to a hospital visit and we needed the funds to get a ride home to safety. Prior to this on XXXX I was told my account was deactivated due to my relationship or lack thereof with PayPal since PayPal and XXXX merged. I called on the XXXX and they said I just needed to verify my Identity and we should be good so I submitted my ID and selfie and called on the XXXX to no avail. I speak to multiple reps and a supervisor on the XXXX who let me know my case was escalated but there's nothing they can do and that department doesn't take calls. My renter called and they said my mo ey is in the account which is true but I am not able to access the funds. Then on XXXX I receive an email that they XXXX  is holding onto my funds for up to 180 days per user agreement. I asked them to provide all user agreements I've signed as I know this is PayPal policy but was unaware venmo did the same. I let them know I've been attempting to get access to my funds for over a week and have been given the runaround while my life is in danger and severe stressful turmoil. This is legal action should be taken as I've had no prior knowledge of this policy, there's no legal reason to be holding my funds as I only have one account with venmo but because I had multiple with PayPal I'm be punished. I think there's discrimination and lots of moving parts but the right hand is not speaking to the left hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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:
Identity Theft Request to Block Information under 15 USC 1681c-2 Date : XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern, I am writing to dispute and request the immediate blocking of fraudulent accounts and/or information appearing on my credit report in accordance with 15 USC 1681c-2 of the Fair Credit Reporting Act.

The following accounts are the result of identity theft and must be blocked : XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by law, I am including the following supporting documents : A copy of my government-issued ID Proof of address My official Identity Theft Report ( FTC ) According to 15 USC 1681c-2 , you are required to block this information within four ( 4 ) business days of receiving my request. Please also notify the furnishers to stop reporting this fraudulent data.

I expect written confirmation of the deletion once the block has been applied. 
Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : 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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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:
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT INQUIRIES : XXXXXXXX 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

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 2025-10-24 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: SC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-24 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: GA

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 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 FRAUDULENT INQUIRIES : EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: VA

Complaint narrative:
Dear Equifax 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 : UNAUTHORIZED COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: AL

Complaint narrative:
A single account is appearing on my credit report in my name that I never opened, authorized, or managed. Its presence is inaccurate and misleading, and it misrepresents my financial history. I take my credit profile very seriously, and discovering this unauthorized account has caused me significant concern and disruption.

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