vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Albert Corporation
State: GA

Complaint narrative:
XX/XX/year> XXXX EST -- XXXX XXXX  EST Albert ( the company www.albert.com ) I am unable to call into their support line, it tells me to go into the app when the app is locked. Then I've texted the number but their support is unable to help me.

I tried to go to their website www.albert.com to view terms of service and privacy policy to gather additional information or further contacts and both are unavailable even though they list them at the bottom.

https : //albert.com/privacy https : //albert.com/terms

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Collectors Corp.
State: WI

Complaint narrative:
This debt was sold to a XXXX party with my information that I did not approve of no acknowledment of debt. Please remove from my credit report immediately. My information was involved in a data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. It was really stressful and hurtful to find out that someone took advantage of my good relationships with banks and applied for cards. I found fraudulent accounts and inquiries on my credit report. Please dispute and remove listed fraudulent credit inquiries from my credit report. XXXX XX/XX/year>, XXXX XX/XX/year> 2025

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 2025-10-12 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: TrueAccord Corp.
State: MI

Complaint narrative:
TransUnion has reinserted a previously deleted collection account without providing the legally required notice or verification. The collection in question, reported by TrueAccord Corporation, had been previously deleted from my TransUnion report after investigation. However, it was re-added in XX/XX/year> without any communication, notice, or certification of accuracy from the furnisher as required by the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ). 

This reinsertion occurred without new evidence or consent and conflicts with my reports from the other major bureaus, where the account remains deleted. Reintroducing an account that was already removed is a violation of the FCRA, as TransUnion is obligated to notify me within XXXX business days of any reinsertion and confirm its accuracy before doing so. 

I am requesting immediate and permanent deletion of the reinserted account from my TransUnion report and a written explanation detailing how this reinsertion occurred without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
I was emailed by indebted on behalf of midland credit with a settlement offer. The offer said it was valid through XXXX. I tried to log into XXXX  to accept offer and that website said to contact midland credit. I contacted them with a chat now tab on there website and told them about the offer I was trying to accept. The said that there company took that offer away to settle the account quicker.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: MO

Complaint narrative:
I am filing a complaint against Experian, Equifax, and TransUnion for multiple inaccuracies related to XXXX account. My credit reports contain false and inaccurate information, including : Incorrectly reported late payments Inaccurate account number Wrong account type classification Incorrect credit limit Wrong last reported date Inaccurate or wrong date opened I have contacted all three credit bureaus several times to dispute these errors, but they continue to give me the runaround, claiming they dont believe I personally sent my dispute letterseven after I provided proof and verification of mailing. Their repeated failure to properly investigate has caused harm to my credit score and unnecessary stress.

I request that the CFPB investigate this matter and require the credit bureaus to verify all reported information directly with XXXX. If proof can not be provided, I ask that these inaccuracies be promptly corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: MO

Complaint narrative:
I am filing a complaint against Experian, Equifax, and TransUnion for multiple inaccuracies related to XXXX account. My credit reports contain false and inaccurate information, including : Incorrectly reported late payments Inaccurate account number Wrong account type classification Incorrect credit limit Wrong last reported date Inaccurate or wrong date opened I have contacted all three credit bureaus several times to dispute these errors, but they continue to give me the runaround, claiming they dont believe I personally sent my dispute letterseven after I provided proof and verification of mailing. Their repeated failure to properly investigate has caused harm to my credit score and unnecessary stress.

I request that the CFPB investigate this matter and require the credit bureaus to verify all reported information directly with XXXX. If proof can not be provided, I ask that these inaccuracies be promptly corrected or removed.

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 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to formally file a complaint against Chase and XXXX XXXX XXXX regarding my denied XXXX XXXX and Trip Cancellation claim. Despite submitting all required documentation through both the Chase portal and the XXXX  XXXX XXXX email address, my claim was instantly denied. The reason given was that the cause of my cancellation is not included under the XXXX Losses are Covered section of the Guide to Benefits. 

This is both inaccurate and inconsistent with the language provided in the policy. On XX/XX/2025, I contacted Chase to report that my flight from XXXX to XXXX had been canceled due to a nationwide strike by XXXX XXXX XXXX controllers, and I was advised to file a claim under the travel protection benefit. A case was subsequently opened, and I submitted all required documentation promptly. 

According to the Guide to Benefits, under the section titled What Losses are Covered ( page XXXX ), coverage includes : An organized strike affecting public transportation which causes the Covered Traveler or their Traveling Companion to : a ) miss at least 20 % of the scheduled duration of the Trip ; or b ) miss the departure of a prepaid cruise or tour ( booked through a Tour Operator ) that the Covered Traveler is scheduled to take. 

The circumstances of my cancellation fall squarely within this definition. From XX/XX/XXXX to XX/XX/2025, a documented, organized strike by XXXX  air traffic controllers caused widespread disruption to public air transportation, including the cancellation of both of our scheduled flights. As a direct result, we were unable to continue with our planned itinerary, satisfying the criteria for coverage under this provision. 

Given the facts and the clear applicability of the policy language, I respectfully request that my claim be re-evaluated. I would also appreciate a detailed explanation for the initial denial, particularly in light of the information provided. 

Please confirm receipt of this request and advise on the next steps in the appeal process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-13 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Under the * * ECOA ( 15 U.S.C. 1691 et seq. ) * * and * * Regulation B ( XXXX C.F.R. XXXX ) * * : * It is * * illegal * * for any creditor or credit reporting agency to discriminate based on * * XXXX * *, * * marital status * *, * * race * *, * * XXXX * *, * * religion * *, * * national origin * *, * * age * *, or * * receipt of public assistance * *. 
* This includes * * the way credit information is reported, scored, or shared * * with lenders if that process disproportionately disadvantages you because youre female. 

Under the * * FCRA ( 15 U.S.C. 1681 et seq. ) * *, its also illegal for Experian to : * Report inaccurate or misleading information, or * Refuse to provide you fair and equal access to your report and score data. 

-- - # # XXXX. Sample CFPB complaint language ( discrimination focus ) You can copy and paste this directly into the CFPB complaint form : [ XXXX : XXXX ] ( https : XXXX  ) -- - * * Complaint Description : * * I am filing this complaint against * * Experian Information Solutions, XXXX XXXX XXXX XXXX XXXX discrimination in credit scoring and reporting practices. 

My Experian credit report contains * * no negative items * * no late payments, collections, or delinquencies yet my XXXX XXXX is significantly lower than expected. I have requested an explanation from Experian, including the scoring model used and key factors affecting my score, but I have not received a clear or complete response. 

As a * * female consumer * *, I have reason to believe I XXXX be subject to * * sex-based discrimination * * in how my credit information or score is being handled, calculated, or presented. The unexplained scoring disparity appears inconsistent with my positive credit history and does not align with the data in my report. 

I am requesting that the CFPB : XXXX. Investigate whether XXXX credit scoring or data practices have resulted in discriminatory treatment or adverse impact on female consumers. 
XXXX. Require Experian to provide me with the * * specific scoring model details, key factors, and explanation * * supporting my score under * * FCRA 609 ( f ) * *. 
XXXX. Ensure Experian corrects or clarifies any inaccurate or biased scoring or reporting practices. 

This situation has directly affected my ability to obtain fair credit terms and appears to violate both the * * Equal Credit Opportunity Act ( ECOA ) * * and the * * Fair Credit Reporting Act ( FCRA ) * *. I am requesting full investigation and a written response confirming the findings and actions taken.

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 2025-10-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Unauthorized access to my credit report by several companies has caused direct harm to both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, as the inquiries remain. This lack of action is completely unacceptable. The continued presence of these potentially fraudulent entries is highly concerning and strongly indicates possible identity theft. This ongoing issue is causing me significant emotional and financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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:
I am writing to formally dispute several accounts that appear on my Experian credit report. These accounts are inaccurate and may be the result of unauthorized use of my personal information following a national public data leak. Under my rights provided by 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and removal ( or blocking ) of the following accounts from my credit file : XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX In accordance with 15 U.S.C. 1681c-2, I am exercising my right to request that Experian block and remove all information relating to these accounts that resulted from identity theft or unauthorized use of my personal information. Please conduct a thorough reinvestigation and provide written confirmation once these items have been deleted or corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
On friday ( XX/XX/year> ), between XXXX AM - XXXX PM, I tried to log into my TransUnion account and had back-and-forth chats with TransUnion reps. 
The reps were : XXXX, XXXX, someone with a name similar to 'Hazel XXXX, and XXXX XXXX 


My password did not work for some reason. I never changed my password. To get into my account, I used the alternative log-in method where I provide my personal information ( social security number, birth date, etc ). This allowed me proceed. 
The problem is that when I looked at the account details after logging in, it was someone else 's information. The entire account was not mine. My personal information somehow gave me access to another person 's account. I HAD ALL ACCESS TO THEIR ENTIRE CREDIT REPORT, their personal information, etc. 


I first thought this was someone else trying to fill in their own information in my account ( identity theft ). When I talked to representatives of TransUnion, they didn't help at all. They just said that I was in another person 's account, but didn't explain why or how. I asked for help and all they did was send me a PII form to confirm my identity, and then send a password reset link. I shouldn't have needed to reset my password because my original was never changed. 
After having to reset my password TWICE ( the first reset didn't work, and my XXXX attempt at logging in with my personal information got be back into that other person 's account ), I was finally able to see my own account. 


If I am able to see someone else 's entire credit history, address, contacts, and family this easily, with my own personal SS number, then my own information or anyone else 's is also available to the public. Please escalate this to protect consumer rights and identities. 


Attached is a snapshot of the other person 's information, proving that I had access to their account ( I censored most of it to help maintain their privacy ). I did not take any other snapshots of their other private info in order to protect their identity.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX  XXXX XXXX resolved reported by grantor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe.

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA.

Fraudulent Accounts and Inquiries ( Already Documented ) : 1. Under penalty of perjury I swear this account is false and misleading XXXX XXXX Account Number : 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 2025-10-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: CA

Complaint narrative:
I was contacted by someone who misrepresented themselves as an XXXX XXXX XXXX representative. This individual claimed I qualified for an upgrade, specifically for XXXX new iPhones, and that I would only be required to pay the taxes, which they calculated at {$110.00} per phone. The total cost, according to them, was {$570.00}, and I proceeded to pay this amount through my Cash App card. The promised delivery date for the iPhones was XX/XX/XXXX. After the payment was made, I was told I would receive a receipt, but I never did. Throughout the interaction, I was repeatedly given false reassurances. When XX/XX/XXXX came and went, the devices were not delivered, as anticipated. Subsequently, I contacted AT & T directly, and they confirmed that there was no order registered under my name. They identified the charge as fraudulent and advised me to contact my bank. I attempted to dispute the transaction with Cash App, but my initial dispute was denied, and my subsequent appeal was also rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Ive noticed late payment entries on my credit report that I believe are inaccurate. In accordance with 15 USC XXXX ( b ) and 15 USC XXXX, only accurate, complete, and verifiable information should be included in my report. I am requesting verification of these entries, and if they can not be confirmed, they must be updated or deleted accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MD

Complaint narrative:
I disputed a transaction with them for {$500.00} two times and both times they were rejected without telling me why. I received a response via email with no attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am submitting this complaint regarding TransUnion for failure to remove unauthorized hard inquiries that I have disputed more than once. Despite providing written notice, these inquiries remain on my credit report without proper verification or documentation. 

The inquiries in question are : XX/XX/XXXX ( Finance ) XX/XX/2024 XX/XX/XXXXK ( Finance ) XX/XX/2024 XXXX XXXX XXXX ( Bank ) XX/XX/2024 TransUnion has failed to provide proof of permissible purpose or signed authorization under FCRA XXXX ( a ) and XXXX ( a ). I have authorized XXXX XXXX XXXX XXXX inquiries only, related to XXXX approved products. 

I am requesting the CFPB ensure TransUnion complies with the FCRA by removing these unauthorized inquiries immediately or providing verified proof of my consent. 

I am attaching my dispute letter, proof of mailing, and a copy of the credit report showing the inquiries.

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