vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: IDAHO CENTRAL CREDIT UNION
State: NV

Complaint narrative:
This statement is submitted in response to Idaho Central Credit Union 's ( ICCU ) determination that " no error occurred '' regarding my Regulation XXXX dispute filed in XX/XX/year>. XXXX 's conclusion is fundamentally flawed, ignores the factual impossibility of the transactions, and fails to meet its obligations under the Electronic Fund Transfer Act. 

XXXX. The Facts of the Legitimate Transactions : In XX/XX/XXXX to XXXX, 2025, my son was at a church camp at XXXX University in California. 

He made XXXX ( XXXX ) separate purchases from a vending machine for drinks, each at the standard price of {$1.00}. 

The legitimate total for his activity was {$2.00}. 

XXXX. The Disputed and Fraudulent Transactions : XX/XX/year> : {$7.00} at " XXXX VENDING MACHINE XXXX XXXX '' XX/XX/year> : {$37.00} at the same merchant identifier. 

These transactions are factually and physically impossible. A standard vending machine can not and does not charge {$7.00} for a single drink, let alone {$37.00}. The amounts themselves are prima facie evidence of a system error or a compromised terminal. 

XXXX. Rebuttal of XXXX 's Inadequate Investigation : XXXX 's justification for denying my claim is insufficient for the following reasons : Irrelevant " Evidence '' : XXXX 's claim that " other charges associated with the token are listed and verified '' is irrelevant. The validity of other transactions on the same terminal does not prove the validity of these specific, impossible amounts. A compromised terminal can process both legitimate and fraudulent transactions. Their response confuses transaction volume with transaction validity. 

Misapplication of Dates : The statement that " other disputed transactions occurred both before and after the dates shown '' is a non-sequitur and does not address the core issue : the nature of the XXXX specific charges I am disputing ( {$37.00} and {$7.00} ) is fundamentally illegitimate, regardless of other activity. 

Failure to Investigate the Merchant : Regulation XXXX requires the financial institution to conduct a meaningful investigation. XXXX has apparently accepted the merchant 's " verification '' at face value without questioning how a vending machine could logically generate these amounts. A proper investigation would require the merchant to explain the pricing mechanism that results in a {$37.00} vending machine charge, which they can not do because no such mechanism exists. 

Conclusion & Demand : The charges for {$37.00} and {$7.00} are unequivocally unauthorized electronic fund transfers. They do not correspond to the service rendered ( a {$1.00} drink ) and could not have been knowingly authorized by my son or myself. 

XXXX 's determination is incorrect and fails to comply with the error resolution procedures mandated by Regulation XXXX Therefore, I respectfully demand that you reverse your decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
Accounts are appearing on my credit report in my name that I did not open, authorize, or manage. I never gave permission for these accounts and I am not responsible for them. This inaccurate information is misleading and has caused me significant concern.

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 2025-10-21 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: KY

Complaint narrative:
To : Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX Subject : Request to Update / Change Address on My Credit File Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX New Mailing Address : XXXX XXXX XXXX XXXX XXXX KY XXXX Dear Credit Bureaus, I am writing to request that each of the credit reporting agencies listed above update my address in your records. Please ensure that all files and reports associated with my credit history reflect my new current mailing address shown above. 
Remove fraudulent addresses : XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX, TX XXXX Enclosed are copies of the following documents to verify my identity and address : Government-issued photo identification ( copy ) Proof of current residence ( such as a utility bill, lease agreement, or bank statement showing my name and new address ) Please send written confirmation of the update to my new mailing address. If any additional verification or information is needed, you may contact me at the phone number or email address listed below. 
Thank you for your prompt attention to this matter. 
Sincerely, ( Signature ) XXXX XXXX Date : XX/XX/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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have made several attempts to remove wrong information connected to my credit report due to fraudulent activity. The two addresses on my credit report that are inaccurate are XXXX XXXX XXXX XXXX XXXX mo XXXX, and also XXXX XXXX XXXX XXXX XXXX mo XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Subject : Follow-Up Complaint TransUnion Refusal to Investigate Fraudulent Accounts ( FCRA Violations ) To Whom It May Concern : I am submitting this follow-up complaint to request the CFPBs continued assistance regarding my prior case ( CFPB Complaint # XXXX ) against TransUnion LLC. 

Despite my original filing on XX/XX/year> and the supporting documentation providedincluding my government-issued ID, proof of address, and a signed identity-theft statement compliant with FCRA Section 605C [ 15 U.S.C. 1681c-2 ] TransUnion has refused to process my dispute or block the fraudulent accounts listed below. 

TransUnion closed my prior complaint stating that the request did not come from me, which is inaccurate. All correspondence was submitted directly by me through the CFPBs secure portal, and I provided verifiable identifying documentation. This failure constitutes a violation of both FCRA 605C ( blocking identity-theft information ) and FCRA 611 [ 15 U.S.C. 1681i ] ( reasonable reinvestigation of disputed information ). 



Fraudulent Accounts Remaining on File XXXX XXXX Acct ending XXXX XXXX XXXX Acct ending XXXX XXXX XXXX Acct ending XXXX XXXX XXXX Acct ending XXXX XXXX XXXX XXXX Acct ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct ending XXXXXXXX XXXX XXXX XXXX Acct ending XXXX Requested CFPB Actions 1. Investigate TransUnions refusal to process my properly submitted identity-theft dispute. 
2. Ensure compliance with FCRA 605C, requiring deletion or blocking of the above accounts within four ( 4 ) business days after receiving my dispute.

3. Direct TransUnion to provide written confirmation once the fraudulent accounts are permanently removed. 
XXXX. Determine whether TransUnions conduct constitutes non-compliance with federal consumer-protection obligations. 



Attachments Included Original CFPB complaint and TransUnion response Police report and FTC Identity-Theft Report Government ID and proof of address Identity-theft statement ( FCRA XXXX certification ) TransUnion refusal notice I am resubmitting these materials for CFPBs review and enforcement. I respectfully request confirmation that this complaint has been escalated for regulatory action, as TransUnions refusal to investigate and block these fraudulent accounts directly violates my rights under the FCRA. 

Thank you for your attention to this matter.

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 2025-10-21 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: MD

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 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 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 XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX Ive done this before and both companys are refusing to say that they need more than a social security account and the problem is I can not remember XXXX digit account number that nobody can remember from years ago like XXXX and the problem is that I have done this before but I have not collected the money. Also I have received poor customer service from both companies when I say whats the next number after a XXXX and both companies have never answered my question about the next number. Obviously if your company and not answer a simple question like that. Then maybe I can not answer a question about a XXXX digit account number. And like I said Ive done this before. And like I said what if I had more then XXXX bank account do yall have any recordings from XXXX years ago is the question

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/year> Unknown Account Please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Credit Reporting by XXXX Bank Account : XXXX Account ( last four digits : [ insert last 4 of your XXXX card ] ) To Whom It May Concern, I am filing this formal complaint against XXXXXXXX XXXX for inaccurate reporting on my credit file. My XXXX account is being reported in a manner that misrepresents my payment history. I have never missed or made a late payment on this account since its opening. 

Despite maintaining a perfect payment record, the account appears to be reported with inaccurate information that may be negatively affecting my credit profile. I request that this account be reviewed and corrected to accurately reflect an on-time payment history with no delinquencies. 

Please contact XXXX XXXX  and confirm that the account is in good standing, with no missed or late payments, and ensure this correction is communicated to all three major credit bureaus ( Experian, Equifax, and TransUnion ). 

I have attached supporting documents, including my payment records and account statements, which confirm my timely payment history. 

I request a written response confirming that the error has been investigated and corrected as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

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
Consumer complaint received 2025-10-21 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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Credit Reporting by XXXX Bank Account : XXXX Account ( last four digits : [ insert last 4 of your XXXX card ] ) To Whom It May Concern, I am filing this formal complaint against XXXXXXXX XXXX for inaccurate reporting on my credit file. My XXXX account is being reported in a manner that misrepresents my payment history. I have never missed or made a late payment on this account since its opening. 

Despite maintaining a perfect payment record, the account appears to be reported with inaccurate information that may be negatively affecting my credit profile. I request that this account be reviewed and corrected to accurately reflect an on-time payment history with no delinquencies. 

Please contact XXXX XXXX  and confirm that the account is in good standing, with no missed or late payments, and ensure this correction is communicated to all three major credit bureaus ( Experian, Equifax, and TransUnion ). 

I have attached supporting documents, including my payment records and account statements, which confirm my timely payment history. 

I request a written response confirming that the error has been investigated and corrected as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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:
My personal information was compromised in multiple credit bureau data breaches ( Experian XXXX, Equifax XXXX, TransUnion XXXX ). Since then, numerous unauthorized accounts have appeared on my credit reports without my consent. These include charge-offs and collections from CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and others. 

I have already filed identity theft disputes directly with Experian, Equifax, and TransUnion under FCRA 605B and 611, and attached my FTC Identity Theft Report, government ID, and proof of address. Despite this, the bureaus have not permanently removed the fraudulent accounts.

These errors are causing severe harm to my creditworthiness and my business ( XXXXXXXX XXXX XXXX  ) by preventing access to funding, trade credit, and essential financial services. 

I am requesting that all fraudulent and unverifiable accounts and inquiries be permanently deleted, that all inaccurate information be corrected, and that the credit bureaus provide written confirmation of these deletions within 30 days as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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:
My personal information was compromised in multiple credit bureau data breaches ( Experian XXXX, Equifax XXXX, TransUnion XXXX ). Since then, numerous unauthorized accounts have appeared on my credit reports without my consent. These include charge-offs and collections from CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and others. 

I have already filed identity theft disputes directly with Experian, Equifax, and TransUnion under FCRA 605B and 611, and attached my FTC Identity Theft Report, government ID, and proof of address. Despite this, the bureaus have not permanently removed the fraudulent accounts.

These errors are causing severe harm to my creditworthiness and my business ( XXXXXXXX XXXX XXXX  ) by preventing access to funding, trade credit, and essential financial services. 

I am requesting that all fraudulent and unverifiable accounts and inquiries be permanently deleted, that all inaccurate information be corrected, and that the credit bureaus provide written confirmation of these deletions within 30 days as required by 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 2025-10-21 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 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 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: FL

Complaint narrative:
Previous report number : XXXX I have repeatedly submitted documents to this company, such as police reports, notarized affidavits, FTC reports XXXX and other personal identification, not required, to ensure that I am not the person who requested any account with this company. Further, I would like this account removed from my credit reports, as this is causing undue hardship. When requested validation, an identity theft account was also used to make payments towards this account and others, obtained under the same. I want all three credit bureaus, as well as this company, to remove this negative and false information from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( insert date XXXX add month and year ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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:
PLEASE BLOCK AND REMOVE. 
The inaccurate inclusion of this account has been mentally draining and emotionally distressing. Ive attached evidence to support its removal.

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 2025-10-21 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 record is inconsistent with my history of timely payments and may be an error. Please correct it after review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
According to FCRA section 1681, it is illegal to report anything on my credit report without my permission. Please remove this negative item off my report. Thank you.

Company response to consumer: Closed with non-monetary relief