vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: AZ

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation. 

I am sincerely looking forward to your understanding and kind consideration of my request. Your assistance in addressing this matter would not only help resolve the inaccuracies on my credit report but also alleviate the challenges I am currently facing due to the drop in my FICO score. Your efforts in handling this dispute would make a significant difference, and I truly value the time and attention you dedicate to reviewing and resolving this issue. I deeply appreciate your willingness to help, and I remain hopeful for a positive outcome. Thank you once again for your support and consideration.

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 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: IN

Complaint narrative:
Someone opened bank account in my name at us bank the account number is XXXX they wouldn't tell me who or where but started the fraud information to close account

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 2025-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, I processed a {$15000.00} wire transfer to a beneficiary to pay back a loan My wire transfer originated from SoFi ( Transaction ID XXXX ; Federal Reference XXXX XXXXXXXX ) XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Routing XXXX. XXXX ) will not release the funds to her for unknown reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
XXXX XXXX I requested proof of the debt and that it be removed and I havent received any proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX I requested proof of the debt and that it be removed and I havent received any proof.

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 2025-07-21 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:
XXXX XXXX I requested proof of the debt and that it be removed and I havent received any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
I attended an presentation over the phone, to get a free hotel stay they never gave me the hotel stay, and was charging my credit card. but i never signed up for this and never signed a contract, I have a copy and it shows I never signed, they wont take off my credit report, even thopugh i showed i never signed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint because a charged-off installment loan is being reported on my credit report with a {$0.00} balance, yet the account still reflects a negative/derogatory status. This is misleading and damaging to my credit profile.

The account was settled/paid in full, and there is no outstanding balance owed. According to the Fair Credit Reporting Act ( FCRA ), credit reporting must be accurate, complete, and not misleading.

I am requesting the immediate removal of this account from my credit report, or at minimum, a correction to reflect that it has been resolved with no negative impact, as the continued derogatory status with a {$0.00} balance is inaccurate and unfairly penalizing me.

I have previously attempted to resolve this directly with the furnisher and/or credit bureaus, but the inaccurate reporting persists.

Please investigate this matter and ensure compliance with FCRA regulations.

Thank you for your attention.

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 2025-07-21 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: IL

Complaint narrative:
I am filing this complaint because a charged-off installment loan is being reported on my credit report with a {$0.00} balance, yet the account still reflects a negative/derogatory status. This is misleading and damaging to my credit profile.

The account was settled/paid in full, and there is no outstanding balance owed. According to the Fair Credit Reporting Act ( FCRA ), credit reporting must be accurate, complete, and not misleading.

I am requesting the immediate removal of this account from my credit report, or at minimum, a correction to reflect that it has been resolved with no negative impact, as the continued derogatory status with a {$0.00} balance is inaccurate and unfairly penalizing me.

I have previously attempted to resolve this directly with the furnisher and/or credit bureaus, but the inaccurate reporting persists.

Please investigate this matter and ensure compliance with FCRA regulations.

Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint because a charged-off installment loan is being reported on my credit report with a {$0.00} balance, yet the account still reflects a negative/derogatory status. This is misleading and damaging to my credit profile.

The account was settled/paid in full, and there is no outstanding balance owed. According to the Fair Credit Reporting Act ( FCRA ), credit reporting must be accurate, complete, and not misleading.

I am requesting the immediate removal of this account from my credit report, or at minimum, a correction to reflect that it has been resolved with no negative impact, as the continued derogatory status with a {$0.00} balance is inaccurate and unfairly penalizing me.

I have previously attempted to resolve this directly with the furnisher and/or credit bureaus, but the inaccurate reporting persists.

Please investigate this matter and ensure compliance with FCRA regulations.

Thank you for your attention.

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 2025-07-21 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX  XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1000.00XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00} INQUIRIES : XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  Date XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I made a hardship payment arrangement on XX/XX/year> with XXXX at the financial hardship department at Barclays over the phone. I set up the auto payments and paid every month on time, and they stopped taking my payments. They gave me no notice there was any problem. I didnt get any notification, until my app notified me on my phone there was a problem all of the sudden. I got zero calls from Barclays and no mail notices. I am a college student and they wont fix their problem and put me back on a payment arrangement. I have never neglected payments. Please help me. They refuse to reinstate my plan and have raised my interest rate over 30 %

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am writing to formally dispute XXXX 's failure to accurately report account information to ChexSystems in connection with a cancelled debt. On XX/XX/year>, I received a Form XXXX from XXXX regarding an account ending in XXXX, showing a cancelled debt in the amount of {$1100.00}. This 1099-C indicates that XXXX officially charged off and forgave the debt, which was closed on XX/XX/year>, with a status of unpaid. 

Despite this, when I recently pulled my ChexSystems consumer report, I found that XXXX had failed to report any information about this account. As ChexSystems is widely used by financial institutions to determine account approval, the absence of this reporting potentially misrepresents my financial record. 

I believe this is a failure on XXXX part to ensure accurate and complete data reporting. This may also violate the Fair Credit Reporting Act ( FCRA ), which requires that information furnished to consumer reporting agencies must be accurate and complete. 

I am requesting that : 1. XXXX confirm why this account was not reported to ChexSystems as canceled and forgiven with a XXXX balance. 
2. XXXX either submit the correct data or provide written confirmation that the account will not be reported. 
3. Any inaccurate or misleading entries related to this account be removed or corrected.

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 2025-07-21 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: DISCOVER BANK
State: AZ

Complaint narrative:
Order was made for 3 gaming mats from XXXX on XX/XX/XXXX with a Discover Bank Credit Card. Customer purchased supplemental non-receipt from company XXXX XXXX. Company promised a delivery date of 5-12 days.

Two weeks went by and company did not ship items. They then sent out an email that orders would be delayed 8-12 weeks and to please be patient with them.

Customer waited the updated promise and then contacted the company support via livechat ( attached in proof ). They were told to wait 4-6 weeks again.

Company shipped one of the three gaming mats to the customer in XX/XX/XXXX Customer went on contacting the company every month ( see attached documents ) with continued promises of delayed orders and please be patient with them. 

Customer on XX/XX/XXXX, submitted a dispute with Discover Bank XXXX Credit Card which was used to purchase from XXXX XXXX. 

Dispute was initially resolved in customer 's favor due to non-receipt of goods. 
Discover Bank modified the dispute XX/XX/XXXX, claiming many false statements to change the dispute in favor of said company. 

Discover Bank claimed that the whole order was shipped, when in their own documentation it shows 1 of 2 shipment was fulfilled. Discover Bank also claims that the dispute exceeded their time period which is also false, when non-receipt of goods, services do not carry the time period as Discover Bank stated. Discover bank also claimed they looked over the evidence which is also false, customer uploaded chat transcripts, emails, and communication from the company which proves the delay in shipment. Discover Bank is committing criminal CFPB fraud by not doing their due diligence and reviewing all facts in the disputed case and by falsifying documents and evidence in their favor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS PRESENCE ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND HAS CAUSED SIGNIFICANT EMOTIONAL XXXX. UNDER 15 U.S. CODE 1681e ( b ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ), CONSUMER REPORTING AGENCIES ARE REQUIRED TO FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION THEY REPORT. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS VIOLATION. PLEASE REFER TO THE ATTACHED DOCUMENTATION FOR SUPPORTING EVIDENCE.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately.

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within four ( 4 ) business days. 

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately XX/XX/XXXXXXXX XXXX Additionally, 15 U.S.C. 1681b states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report.

Therefore, the continued presence of this account constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements.

In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner.

I have contacted TransUnion on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage.

Furthermore, these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report this account on my credit file.

I have also requested copies of any contracts related to these accounts from the company reporting them, and after more than 60 days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information.

I respectfully request that you assist me by removing these accounts immediately.

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 2025-07-21 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: FL

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law.

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information immediately.

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 2025-07-21 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: FL

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law.

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: AZ

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX INQUIRIES : XXXX XXXX  Date : XX/XX/year>

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