vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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: TN

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I called this morning to cancel a XXXX  card which i had previously paid off all charges. the rep found my account and verified it was me but said a different department has to cancel the card. she put me on hold for a good XXXX minutes and came back and said the other department could not find my account. she told me to call back in an hour. i called back XXXX hours later and encountered the same issue. i then asked to speak with a supervisor and was put on hold for another XXXX minutes. she came back and said a supervisor can't speak with me because they can't see my account. i then said i don't care if they can see it or not, i just want to speak with them to explain the issue/situation. the rep apologized and said i'll have to call back another time and said if i don't want the XXXX card then just don't use it! not the answer i wanted- i want the card cancelled. i spent nearly XXXX hours on the phone today and got nowhere. this is hands down THE worst experience i've ever had with a XXXX card company.

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 2025-06-13 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 submitted identity theft disputes to the credit bureaus regarding two fraudulent accounts XXXX XXXX XXXX XXXX XXXX Despite submitting the required documentation ( identity theft report, ID, and written dispute ), both accounts were not removed within the FCRA 605B-required timeframe. 

A third fraudulent account, listed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), was also identified and has now been formally disputed. All three accounts were opened without my knowledge or consent and should have been blocked under 15 U.S.C. 1681c-2.

The credit bureaus have failed to comply with FCRA 605B, 1681n, 1681o, and 1681i ( a ) ( 5 ) ( A ). I am requesting that the CFPB require the credit bureaus to delete the accounts, block reinsertion, and ensure full compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
I submitted identity theft disputes to the credit bureaus regarding two fraudulent accounts XXXX XXXX XXXX XXXX XXXX Despite submitting the required documentation ( identity theft report, ID, and written dispute ), both accounts were not removed within the FCRA 605B-required timeframe. 

A third fraudulent account, listed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), was also identified and has now been formally disputed. All three accounts were opened without my knowledge or consent and should have been blocked under 15 U.S.C. 1681c-2.

The credit bureaus have failed to comply with FCRA 605B, 1681n, 1681o, and 1681i ( a ) ( 5 ) ( A ). I am requesting that the CFPB require the credit bureaus to delete the accounts, block reinsertion, and ensure full compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
I take my credit seriously, and I'm really concerned about the mistakes on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. I've worked hard to build my credit, and it's frustrating to see it affected by mistakes that aren't my fault. It's getting me XXXX. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

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 2025-06-13 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: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

I looked at my XXXX XXXX XXXX  TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to XXXX XXXX XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-13 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: SC

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 non-monetary relief
Consumer complaint received 2025-06-13 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: SC

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: PA

Complaint narrative:
On XXXX XXXX going over my credit report I noticed inquiries that is inaccurate from Equifax is reporting 4 hard inquiries on my credit report it is seriously hurting my credit report. I am allowed to shop mortgage brokers within a 14 day. Period and going over my credit report.Equifax has subtracted 15 points off of my credit score for this inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: VA

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

1681c-2 ) that you, the XXXX 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. 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IN

Complaint narrative:
Getting fraudulent billed, paid by chime, and denied. How is this possible? XXXX is fraud. What jurisdiction is XXXX ordered computer component, when products did not show up, I went to website, no contact information and showed up on chime as individuals under ficticious products. No way to contact ability, no products, no recourses to get money back. Clearly a scam website, I provided you with website address so you could check it out for your self. Scam website off XXXX. Clearly disputable incident. All disputes came from this same website, proclaiming to be out texas. 

dispute claim number is XXXX dispute claim number is XXXX These payments were unauthorized, they used a website with discounted prices of computer components. The website had no customer service available on the site or contact information. I received no products, but chime paid these people for description not matching anything I requested. Clearly a scam website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Company : XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX Product : Installment Loan Issue : Inaccurate Credit Reporting / Deceptive Loan Terms/ Unfair Lending Practices Submitted by : XXXX XXXX Email : XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX Complaint Description : This complaint is against XXXX XXXX, also doing business as XXXX XXXX. 

I am reporting the following issues : FCRA Violations Inaccurate Credit Reporting : XXXX XXXX XXXX XXXX XXXX is furnishing inaccurate information to credit bureaus regarding a XXXX  loan. The account XXXX have been sold or transferred, yet they continue to report a balance as if it is XXXX. I submitted a dispute, but they failed to conduct a reasonable investigation or correct the information, violating their obligations under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ). 
Misleading Loan Structure Deceptive Marketing : The loan was advertised as having optional payroll allotments. However, allotment setup was made a mandatory requirement, contradicting the advertised flexibility. This constitutes a deceptive practice under UDAP ( Unfair and Deceptive Acts and Practices ), and XXXX violate the Truth in Lending Act ( TILA ) due to lack of clear and truthful disclosure. 
Failure to XXXX XXXX : Despite my written requests, XXXX / XXXX has not provided proper documentation to validate the account or support continued credit reporting. Their response was a blanket denial of wrongdoing, with no evidence of a good faith investigation. 
Request for XXXX : Given the ongoing XXXX to my creditworthiness and the failure to properly investigate, I respectfully request the temporary removal of this account from all consumer reporting agencies while the matter is under CFPB review. This account is causing damage to my ability to obtain housing and credit. 

I also request that XXXX XXXX XXXX XXXX  : Provide full account validation and investigation records Accurately correct or permanently delete the tradeline Cease deceptive lending practices tied to mandatory allotments I reserve the right to initiate arbitration or legal action if not resolved appropriately.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Company : XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX Product : Installment Loan Issue : Inaccurate Credit Reporting / Deceptive Loan Terms/ Unfair Lending Practices Submitted by : XXXX XXXX Email : XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX Complaint Description : This complaint is against XXXX XXXX, also doing business as XXXX XXXX. 

I am reporting the following issues : FCRA Violations Inaccurate Credit Reporting : XXXX XXXX XXXX XXXX XXXX is furnishing inaccurate information to credit bureaus regarding a XXXX loan. The account XXXX have been sold or transferred, yet they continue to report a balance as if it is active. I submitted a dispute, but they failed to conduct a reasonable investigation or correct the information, violating their obligations under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ). 
Misleading Loan Structure Deceptive Marketing : The loan was advertised as having optional payroll allotments. However, allotment setup was made a mandatory requirement, contradicting the advertised flexibility. This constitutes a deceptive practice under UDAP ( Unfair and Deceptive Acts and Practices ), and XXXX violate the Truth in Lending Act ( TILA ) due to lack of clear and truthful disclosure. 
Failure to XXXX XXXX : Despite my written requests, XXXX / XXXX has not provided proper documentation to validate the account or support continued credit reporting. Their response was a blanket denial of wrongdoing, with no evidence of a good faith investigation. 
Request for XXXX : Given the ongoing XXXX to my creditworthiness and the failure to properly investigate, I respectfully request the temporary removal of this account from all consumer reporting agencies while the matter is under CFPB review. This account is causing XXXX to my ability to obtain housing and credit. 

I also request that XXXX XXXX XXXX XXXX  : Provide full account validation and investigation records Accurately correct or permanently delete the tradeline Cease deceptive lending practices tied to mandatory allotments I reserve the right to initiate arbitration or legal action if not resolved appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has failed to fulfill its illegal obligation under the Fir Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, ( Grow Credit accounXXXX XXXX XXXXXXXX ) leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing XXXX to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: PR

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Request for Removal of Unauthorized Credit Inquires from Credit Report. 
To Whom It XXXX Concern, I am writing to formally dispute and request the removal of certain XXXX  inquires listed on my credit report that I do not recognize and did not authorize. These inquiries are XXXX impacting my XXXX XXXX. After reviewing my credit report carefully, I have identified the following unauthorized inquiries : XXXX. XXXX XXXX XXXX XXXX XX/XX/year>, XXXX. XXXX XXXX XX/XX/year>. Please investigate these inquiries that I did not XXXX permission for these entities to access my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting a prompt investigation and the removal of these unauthorized inquiries from my credit file. I appreciate your prompt attention to this matter and expect a written response within the timeframe allowed by federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-13 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief