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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because a debt collection account from XXXX XXXX XXXX has been reported to my TransUnion credit report on XX/XX/year>, for the amount of {$2200.00}, allegedly originating from XXXX XXXX XXXX XXXX 

I have no knowledge of this account, have never entered into any agreement with this company, and was never notified of any debt transfer or collection activity. I have not received a debt validation notice, nor have I authorized any reporting of this alleged debt.

Under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must provide written validation before engaging in collection activity, including reporting to credit bureaus. Reporting a debt that has not been validated is a violation of federal law.

Additionally, under 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) and 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), furnishers of information must ensure the accuracy of the data they report and delete any item that can not be verified within 30 days of dispute. This account is inaccurate and unverifiable and therefore must be deleted immediately. 

The continued presence of this unverified and unauthorized collection account is causing damage to my credit profile. I am requesting that the CFPB investigate XXXX  XXXX XXXX and TransUnion for violations of the FCRA and FDCPA and require the immediate deletion of this account from all of my credit reports. 

Applicable laws violated include : 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) Furnishing inaccurate information 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failure to delete unverifiable data 15 U.S.C. 1692g ( b ) Failure to validate debt before collection 15 U.S.C. 1692e ( 8 ) Communicating false credit information

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I sent XXXXn, TransUnion, Equifax my FTC report, License and police report. I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: AZ

Complaint narrative:
I sent XXXXn, TransUnion, Equifax my FTC report, License and police report. I am a victim of identity theft.

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: ND

Complaint narrative:
My Experian credit report contains incorrect names and addresses that do not belong to me. These inaccuracies may have resulted from identity theft or a mixed file. 

I discovered the errors while reviewing my credit report in [ month and year you noticed it ]. I immediately attempted to correct the issue by submitting proof of identity and current address through XXXX dispute system, but the incorrect names and addresses still appear. 

These errors could negatively impact my credit profile and may cause confusion with accounts that are not mine. I am requesting that Experian conduct a full investigation, remove all incorrect names and addresses, and update my report to reflect only my verified information.

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: Closing an account — Can't close your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/XXXX my phone carrier got hacked and all my bank. information got stolen also my SSN. They try to change my username and password which they successfully opened a new account with XXXX and started transfer moneys. Also soon as I found out I called the bank and freeze it but I can't stop the identity theft using my SSN to do other stuffs. I also call the 3 credit unions to freeze credit but unfortunately they're still able opening new accounts. On XX/XX/XXXX I received an letter from XXXX XXXX  stating that I have a saving and checking account opened and when i told them it was fraud and I did not open the account but they won't let me close the account. So as the Chime account, I received a card from them on XX/XX/XXXX which i told them again it was not me it was fraud. I also reported it to the Police Department with everything that happened and one of the officer was on the phone with me when we called Chime to cancel the account but they won't let me. Chime customer service XXXX from protection team even end up my call because he can't closed my account and didn't try to help me when I'm so Panic and can't even fall in sleep at night.

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: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Square , Inc. ( Block , Inc. ) regarding the restriction of access to my business funds after a security-related account update initiated by Square. 
Details of the Issue : On XX/XX/year>, I was contacted by Square to update my account email address for security purposes. I followed all instructions and successfully updated my email. Square representatives informed me that the account review process would take 23 business days to complete.

It has now been over five business days, and the issue has not been resolved. While I am still able to process payments and sell my services through Square, I am completely unable to access or view my funds. This has disrupted my business operations and cash flow.

I have spoken with three different Square support agents, and each one confirmed that I should regain access to my funds within a few hours. However, despite multiple assurances, several days have passed without any progress or communication from Square.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I settled my XXXX XXXX account ending in XXXX with XXXX XXXX XXXX  for {$1300.00} on XX/XX/year>. XXXX confirmed that the account was fully resolved and closed, and I received written confirmation. Despite this, another collection agency ( Resurgent/LVNV Funding ) began reporting the same XXXX XXXX debt as a new collection account on my credit report in XX/XX/year>. 

This is a duplicate and inaccurate tradeline because the debt was already settled in full with XXXX. I have contacted both XXXX and Resurgent to correct this, but they have not provided written confirmation or removed the tradeline. 

This duplicate reporting has caused my credit score to drop significantly and is blocking me from securing a car loan. I am requesting the CFPB to investigate and ensure this collection account is deleted from all credit bureaus immediately, as the debt was already resolved.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 



I am submitting this complaint to report several unauthorized credit inquiries appearing on my Experian credit report. Upon review, I discovered inquiries from XXXX XXXX XXXX  ( dated XX/XX/XXXX ), XXXX XXXX  ( dated XX/XX/XXXX ), and XXXX XXXX XXXX  ( also dated XX/XX/XXXX ). I never provided written or verbal authorization for these companies to access my credit file. This constitutes a clear violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681b ( c ), which limits permissible purposes for accessing consumer credit information. I have requested that Experian validate these inquiries and provide documentation bearing my signature authorizing them. In the absence of such evidence, I am requesting immediate deletion of these fraudulent inquiries from my credit report. These actions have caused distress and concern over the misuse of my personal and financial information.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX - Balance {$1100.00} Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$850.00} Account Name XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$430.00} Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX 'S XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/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 non-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: AZ

Complaint narrative:
This is not my account and appears as an inaccurate entry on my 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 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: AZ

Complaint narrative:
This is not my account and appears as an inaccurate entry on my 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 explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
I received an email from Acima leasing about a collection debt past due on XX/XX/XXXX for a purchase back in sept. XXXX, XXXX. I know I had not purchased anything Using Acima Leasing since XXXX. They kept telling me the fraud department handles the legal aspect of fraud and I need to submit a police report. I informed them I can't file a police report without having any information such as the company name that allowed them to open the account, the phone number, address, etc. He began telling me there's nothing more they can do. Contact fraud only through email. I called again and gave my social security number tied to that account. I was able to gain the phone number, address, and the place the item was purchase. My name and social security number was used to open the fraudulent account to purchase the item, but my phone number and address was not on the account. The location is predominately XXXX and XXXX. I only speak XXXX. Never been in that state. When I contact the company they only speak XXXX, then hang up on me. Today, XX/XX/XXXX, I received another email from Acima leasing stating that the application store used XXXX XXXX in XXXX Florida. I submitted was denied due to the collection of the past due debt from XX/XX/XXXX store XXXX XXXX. This is the second time, same area that Acima Leasing allowed someone to used my identity to open up fraudulent accounts. I'm not sure what to do as I would go to federal trade commission/ identity theft, but due to government shutdown, no claims can be file. I need this matter to be taken care of as it is and has affected my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint against Capitol One regarding the deceptive practices to there 360 high yield interest savings account Capitol One misrepresented the 360 savings account as having one of the nations highest interest rates, yet failed to notify account holders about the superior rates offered by the 360 performance savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many. Breaching the financial consumer protection Act and the truth in savings Act. I seek redress for the misleading and failure to fulfill their advertised promises

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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To all parties involved I need your attention to this matter XXXX XXXX XXXX XXXX i received some unfortunate news i been notified that I am a victim of the Equifax. data breach which has resy in the theft of my identity I am seeking guidance please I seek the enforcement of my consumer right as specific in FCRA. Section 605 B ( 15U.S.V 1681c-2 as an individual impacted by identify theft I am entitled to request the removal of fraudulent information from My credit. report thank you. This registration mandate that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification kindly ensure deletion occurs within four business days

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: 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding, i discovered discrepancies on my credit report that do not accurately reflect my financial history, and I am deeply concerned about their impact on my personal and professional life. Among these inaccuracies is a charge-off with XXXX, account number ending in XXXX, showing a balance of {$460.00}, and another associated with XXXX XXXX  XXXX reflecting a {$0.00} balance. Additionally, an inquiry from XXXX dated XX/XX/year>, which I did not authorize, appears on my report. 
I have always taken my financial obligations seriously, and it is important that my credit information accurately represents my true history. Under FCRA 609 ( 15 U.S.C. 1681g ), I have the right to request verification of the information reported about me. FCRA 611 ( 15 U.S.C. 1681i ) requires that any disputed information be reasonably investigated and remove if found inaccurate.

Furthermore, FCRA 623 ( 15 U.S.C. 1681s-2 ) establishes that furnishers of information must investigate and update records that are incomplete or unverifiable. The purpose of these protections, as stated in FCRA 602, is to ensure maximum accuracy, fairness, and privacy in credit reporting. 
Based on these rights,

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding, i discovered discrepancies on my credit report that do not accurately reflect my financial history, and I am deeply concerned about their impact on my personal and professional life. Among these inaccuracies is a charge-off with XXXX, account number ending in XXXX, showing a balance of {$460.00}, and another associated with XXXX XXXX  XXXX reflecting a {$0.00} balance. Additionally, an inquiry from XXXX dated XX/XX/year>, which I did not authorize, appears on my report. 
I have always taken my financial obligations seriously, and it is important that my credit information accurately represents my true history. Under FCRA 609 ( 15 U.S.C. 1681g ), I have the right to request verification of the information reported about me. FCRA 611 ( 15 U.S.C. 1681i ) requires that any disputed information be reasonably investigated and remove if found inaccurate.

Furthermore, FCRA 623 ( 15 U.S.C. 1681s-2 ) establishes that furnishers of information must investigate and update records that are incomplete or unverifiable. The purpose of these protections, as stated in FCRA 602, is to ensure maximum accuracy, fairness, and privacy in credit reporting. 
Based on these rights,

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