vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstCollect, Inc.
State: PA

Complaint narrative:
Complaint Regarding Unauthorized Medical Debt Collection by XXXX XXXX XXXX XXXX I am filing this complaint against XXXX XXXX XXXX XXXX, a third-party collection agency, for attempting to collect a medical debt that is not owed. Despite multiple requests, XXXX XXXX has failed to provide verifiable proof or valid documentation that substantiates the alleged debt. 

This collection effort is not only unfounded but also a direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits third-party agencies from pursuing debts without proper validation. The FDCPA also protects consumers from harassment, false representation, and unfair practicesall of which are relevant to this situation. 

XXXX XXXX XXXX conduct has caused unnecessary stress, and the inclusion of this unverifiable debt in my credit reporting ( if applicable ) may constitute further harm. 

I request that the CFPB investigate this matter and take appropriate action to ensure that : XXXX XXXX immediately ceases all collection efforts on this alleged debt, Provides valid documentation proving the origin and ownership of the debt if they wish to continue, Removes any derogatory information related to this debt from my credit file, if it has been reported. 

Thank you for your attention to this matter and for protecting consumer rights under federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

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 2025-05-08 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: HI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

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 2025-05-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: NV

Complaint narrative:
I am being charged an unfair and illegal intrest rate, APR XXXX XXXX which I was unaware of at the time of the loan because I was in an emergency and needed the loan for relocation. I wasn't aware these places could break the law like that I just assumed this was a normal rate until recently when I found out it is illegal. They are taking advantage of me and I'm sure many others by charging this outrageous APR. It may be too late for me to get help with this as I've already almost paid the loan off but I'm hoping we can prevent them from doing this to others in the future. This is a well known company with several locations so I never expected they could just break the law like this and still be in business. The name of the company is Rapid Cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: WA

Complaint narrative:
I paid this loan off and the company refuse to turn off the auto pay, refused to update the account since XX/XX/XXXX so that it only reflects late payments, and have decline my email request to update account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


3. Incorrect Employers :. My correct Employer is : XXXX XXXX. 



Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-05-08 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: NC

Complaint narrative:
I Recently reviewed a copy of my credit report and notice i had fraudulent accounts on my credit report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Ive tried to get this debt removed since i am a victim of identity theft. I disputed the debt and it is still on credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: WI

Complaint narrative:
Recently I reviewed my consumer report and noticed accounts that are not verified accounts on my consumer report. 

XXXX USC XXXX ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumer. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grace responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 

Inaccurate information on my consumer report is unfair to me. It's ruining my reputation and causing me mental stress. As well as hindering my ability to get the extended credit that ; XXXX XXXX given right to me. 

XXXX UCS XXXXb Permissible purposes pf consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Furnishing information on my consumer report without my permissible purpose ( consent ) is also identity theft. I haven't granted EXPERIAN nor any other person/s to furnish anything. Breach of my privacy. 

FCRA states any person that willfully, and knowingly breaks the law will be held accountable to consumer pursuant XXXX USC XXXXn XXXX USC XXXX Block information resulting from identity theft ( a ) Block- Expect as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date by such agency of- ( 1 ) Appropriate proof of identity of the consumer ( 2 ) A copy of identity theft report ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC report has already been filed, I don't want to take legal action. However ; If my hand is forced I have no other choice.

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 2025-05-08 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: GA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
My Checking account was said to be closing for unknown reasons and that Im being refused my funds that I deposited on my account. As soon as I deposited funds on my account it was instantly taken from me and refused to be given back to me even when I requested it to be sent through my other bank account or XXXX. I am going through a hardship and Im suffering in life and really needed the funds for an emergency matter and the bank doesnt care. So now i am suffering from Emotional Distress and much more form the situation I was put in by the bank that supposed to be here to help manage my funds not take from me and refuse to give me my money back. If I dont receive my funds in the correct manner as I respectfully requested it to be sent to me then I will be looking for a courtroom to settle this. 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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am reporting two fraudulent inquiries on my Transunion Credit Report : XXXX XXXX XXXX XXXX XXXX these inquiries do not belong to me and should be removed from my Credit Report. I talk to the credit reporting agency and they told me to fi le an identity theft report if I want these inquiries to be removed. Now I am requesting Transunion to mark these inquiries as fraudulent and remove from my Credit Report. Thank you.

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 2025-05-08 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-08 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against EXPERIAN regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


3. Incorrect Employers :. My correct Employer is : XXXX XXXX. 



Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-05-08 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-08 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: AL

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I FOUND NUMEROUS INQUIRIES FROM CREDITORS WHO I DID NO GVE MY PERMISSION TO PULL MY CREDIT REPORI. THESE INQUIRIES ARE FRAUDULENT. PLEASE REMOVE THESE FRAUDULENT INQUIRIES FROM MY CREDIT REPORT. 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 non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXXXX/XX/XXXX. Delete this hard inquiry because of violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX Delete this hard inquiry because of violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXXXX/XX/XXXX. Delete this hard inquiry because of violation of 15 USC 1681b. 
Any person who fails to comply and fix this matter will be liable under 15 USC 1681n which is civil liability for willful noncompliance

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 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had no knowledge of this account. It falls under the FCRA, SCRA, and MLA company did not honor a solution due to my husband 's military service.

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 2025-05-08 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: MS

Complaint narrative:
My information was leaked in the Equifax Data Breach. I have created an identity theft report with the FTC. The document is uploaded to this complaint and needs to be sent to all 3 credit bureaus.

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 2025-05-08 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: MS

Complaint narrative:
My information was leaked in the Equifax Data Breach. I have created an identity theft report with the FTC. The document is uploaded to this complaint and needs to be sent to all 3 credit bureaus.

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 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After reviewing my recent credit report, I was shocked to discover several accounts that I did not open or authorize. These unauthorized accounts are clear evidence of identity theft and are causing serious complications, particularly as I am in the process of purchasing a new vehicle for my family. I urgently request that these fraudulent accounts be removed from my credit report immediately to prevent further damage.

Company response to consumer: Closed with non-monetary relief