vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: AZ

Complaint narrative:
My personal information was exposed in Transunion 's recent data breach. I was informed through mail from the bureau that my date of birth and social security number is at risk. Upon reviewing my consumers report, these accounts DO NOT belong to me! I haven't done any business with these creditors, and I haven't given them permission to have or report anything. 

XXXX XXXX XXXX XXXX, Bal- {$530.00}, opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX Bal- {$330.00}, opened : XX/XX/XXXXXXXX XXXX XXXX  XXXX, Bal- {$1500.00}, opened : XX/XX/XXXX Unknown collection- XXXX, Bal- {$730.00}, opened : 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 non-monetary relief
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: CA

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 XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
We have sent 15 complaints about Ovwen and PHh. We have provided plenty of information that after 20 years of their taking XXXX that they hid from us plus everything like loan modifications junk fees etc. they sent us this yesterday We have called XXXX 4 times and no return call back. Exactly what has happened since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: LA

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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 2025-10-22 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: LA

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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Hatfield, Inc.
State: IL

Complaint narrative:
I use a company called GRID. On XX/XX/XXXX I sent {$60.00} to my linked checking account and they initially stated that due to a slowdown with banks nationwide my cash advance was delayed. However time had passed - over 2 weeks and I still did not receive the money. At the same time, my repayment was due on XX/XX/XXXX but I was unable to pay back because I NEVER received the money in my account in the first place. I tried to contact them - along with my bank and we were UNABLE to get in contact with anyone. I sent chat messages, and they do not have a customer service number either!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: WY

Complaint narrative:
I have a XXXX  account that I do not use often. There is currently $ XXXX in the account. I need to add more $ to transfer to my mom. Whenever I try to add funds I get an error and told to contact support. I have tried several times to contact support via telephone and through the " Customer Support '' in the app, and I can not reach an agent or get a response. As of right now I can't get my {$40.00} or add any other funds or contact customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: KY

Complaint narrative:
i have reviewed my credit report and found these unverified items. please remove, update or correct these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: N.A.R., Inc.
State: NY

Complaint narrative:
I was first contacted on XX/XX/year> via email by XXXX. I told them I did not recognize or accept the debt they claimed was mine. I did offer a {$100.00} settlement to clear the debt from my credit report while saying I did not accept the debt as mine. I received a response from I then received a email response from XXXX who said they could not settle it but to reach out to him about other options. 

I responded asking for verification of the debt. I never received a response from them. 

I then contacted XXXX XXXX  who gave me the name of XXXX XXXX as being the owners. Who I then contacted and received no response as well. Of which you determined they do not own the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX my husband and I went on XXXX and we purchased a couch and the total was for {$1000.00} we decided to put it on Affirm to make monthly payments on it. Our first payment was of {$92.00} and every payment after that was {$97.00} which we paid up until XXXX when XXXX came around we saw that the total to pay in full was {$190.00}. We decided to pay in full on XX/XX/XXXX at XXXX XXXX. We paid {$190.00} which would total to {$1000.00} paid total so with the interest, it was a little more than the total was at the beginning. After we made that payment, on XX/XX/XXXX I received a text from the automated system from Affirm saying that there was an auto pay failed because I no longer had it on auto pay because I had paid in full. And they were trying to take out of my bank {$97.00} so I went back on the app to realize that after I made the full payment of one {$190.00} and took a screenshot of the page that they send you after you complete the payment indicating that it was the final payment they still wanted me to pay the {$99.00} expecting two payments one in XXXX {$97.00} and one in XXXX of {$2.00}. so I want to know why I need to pay that {$99.00} after I got confirmation saying that I paid in full I asked them for detail they say I just owe it and didnt help me at all, so this is my last hope for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: NC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I was the victim of fraud on XX/XX/XXXX and XXXX, XXXX, when criminals gained unauthorized access to my XXXX and banking credentials. They executed a coordinated attack on both my TD Bank accounts, stealing {$8300.00} total : {$3400.00} via XXXX gift cards from account ending in XXXX ( XX/XX/XXXX ) and {$4900.00} from account ending in XXXX ( XX/XX/XXXX ). Neither the gift cards nor the transfer ever reached me - all proceeds were intercepted by the criminals. 

I promptly reported these unauthorized transactions to TD Bank within the 60-day Regulation E timeframe. TD Bank reimbursed the {$4900.00} from account XXXX but denied the {$3400.00} from account XXXX, stating only " no error '' without explanation. The denial letter did not address why identical unauthorized transactions by the same criminals would be treated differently. 

I submitted a formal written appeal with supporting documentation, which TD Bank has ignored for over XXXX business days. TD Bank 's inconsistent application of Regulation E protections- reimbursing one account while denying another from the same coordinated fraud scheme - violates federal consumer protection law ( 12 CFR 1005.6 ). I am seeking full reimbursement of the {$3400.00} and enforcement of my rights under the Electronic Fund Transfer Act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within XXXX business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$310.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} Unauthorized Inquiries to Be Deleted : XXXX XXXX NA Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: PA

Complaint narrative:
Got a call from a man pretended to be with the bank. He walked me through how to refust charges and stole {$920.00} charges. i called the bank immediately, they declined my disput and said to file a police report, I did got the police report and they declined again saying it wasnt a crime. But an authorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS IS AN UNAPPROVED HARD INQUIRY NOT LINKED TO MY 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 explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Oliphant United, Inc.
State: MD

Complaint narrative:
OLIPHANT USA LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research OLIPHANT USA LLC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
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 INQUIRIES : 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 2025-10-22 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: TX

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2025-10-22 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: TX

Complaint narrative:
On my TransUnion credit report, there are several hard inquiries that are not associated with any active or open credit accounts. 
I never authorized these inquiries in writing, nor did they result in any approved credit or account. 
Because these entries were added to my report without a permissible purpose or my written consent, they represent unauthorized and inaccurate credit inquiries under the Fair Credit Reporting Act ( FCRA ). 

The inquiries in question are : FACTUAL DATA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX FACTUAL DATA XX/XX/XXXX I have no active or approved accounts with these companies, and none of these inquiries resulted in credit being extended to me. 

This violates my consumer rights under the following provisions of the FCRA : 15 U.S.C. 1681 Section 602A : Consumers have the right to privacy and accuracy in their credit reports.

15 U.S.C. 1681b ( Section 604A ) : A credit report can not be furnished without a valid permissible purpose or the consumers written authorization.

15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) : Prohibits furnishing information known or believed to be inaccurate.

15 U.S.C. 1681n and 1681o : Establish civil liability for willful or negligent noncompliance with the FCRA. 

I am requesting that TransUnion investigate and delete these unauthorized inquiries 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 2025-10-22 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: TX

Complaint narrative:
On my TransUnion credit report, there are several hard inquiries that are not associated with any active or open credit accounts. 
I never authorized these inquiries in writing, nor did they result in any approved credit or account. 
Because these entries were added to my report without a permissible purpose or my written consent, they represent unauthorized and inaccurate credit inquiries under the Fair Credit Reporting Act ( FCRA ). 

The inquiries in question are : FACTUAL DATA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX FACTUAL DATA XX/XX/XXXX I have no active or approved accounts with these companies, and none of these inquiries resulted in credit being extended to me. 

This violates my consumer rights under the following provisions of the FCRA : 15 U.S.C. 1681 Section 602A : Consumers have the right to privacy and accuracy in their credit reports.

15 U.S.C. 1681b ( Section 604A ) : A credit report can not be furnished without a valid permissible purpose or the consumers written authorization.

15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) : Prohibits furnishing information known or believed to be inaccurate.

15 U.S.C. 1681n and 1681o : Establish civil liability for willful or negligent noncompliance with the FCRA. 

I am requesting that TransUnion investigate and delete these unauthorized inquiries 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