vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-24 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: OH

Complaint narrative:
On XX/XX/XXXX, I filed a dispute with experian to verify the recently added debt. I dont recognize the debt. They sent an update today ( XXXX ) stating the account was valid with no verification. I would like this account verified. I want the documentation and process that the debt collector have that prove they have the legal right to collect that debt from me.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-24 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: SC

Complaint narrative:
I am writing to request unauthorized credit inquiries on my Experian Credit Report. My latest credit report shows 4credit inquiries that I did not authorize. 

I am writing to dispute the following inquiries and asking for their removal from my credit report. 
INQUIRIES ACCOUNT : INQUIRY ACCOUNT NAME : XXXXXXXX XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXXXXXX XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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 2025-06-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: IN

Complaint narrative:
Originally I received communication from them in XX/XX/XXXX. I sent them the attached letter, which requested communication in writing, as well as a cease and desist on further telephone contact. Their communication stopped until now XX/XX/XXXX. They're repeatedly calling, and texting. This harassment needs to stop.

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 2025-06-24 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:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX 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 XXXXXXXX XXXX AZ XXXX ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$4300.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$3100.00} XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$5800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX  Account number : XXXXXXXX XXXX XXXX  Account XXXX UNAUTHORIZED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 explanation
Consumer complaint received 2025-06-24 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$3400.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1200.00} INQUIRIES : XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: CA

Complaint narrative:
I received a letter from National Recovery Agency. I am a victim of identity theft I never lived in XXXX. Im residential of California. I called XXXX the debit collector people to to dispute this falsely charge.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: NY

Complaint narrative:
Credit Karma I recently changed phone numbers. I tried logging in to change it, but it would not let me log in, as it would only use my old number for 2FA. So I opened a support ticket. The first person I talked to tried twice with me and then quit the chat. The second person told me to get the correct documents and try again later.

I used the correct document- my NYS driver 's license. I took 4 sets of photos, of myself and my license. The photos were all great. I changed lighting each time, just in case they were too bright or too dark. I changed backgrounds - dark and light- in case they had an issue with that. Credit Karma uses XXXX XXXX for identify verification, and XXXX kept kicking back my attempts as being unrecognizable. The agent kept telling me to take better photos, but XXXX wasn't saying what about my photos was wrong. 

I asked the agent to at least remove the old number from my account, but they said they can't even access it! They aid they would escalate this to a higher team, and that they * MAY *, I repeat - MAY - get back to me. 

I opened a third ticket, and the new agent never even responded. Never said hi, never responded to me. I waited 10 minutes, then quit.

This is my identity that Credit Karma is holding on to. I am at risk, and they won't help! 

The provided image is NOT one that I submitted to XXXX for verification. I simply provide it as proof of who I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: SD

Complaint narrative:
On Friday, XX/XX/XXXX at XXXXXXXX  I received an email from XXXX XXXX stating they have legal documents that require delivery to me for a legal matter filed in XXXX XXXX XXXX SD. And if I didnt sign electronically they would be served in person by someone the court authorized. This is before the hour of XXXX and after XXXX which is a violation of my rights according to the Fair Debt Collection Practices Act. They sent in an email without any prior notification or documentation to prove that my account had been sold or transferred and I never received written notice of the new debt owner or an opportunity to request validation of this debt prior to being sued. No letters, emails, or phone calls were made prior to this legal action to my knowledge. This feels like harassment and a violation of my rights under the Fair Debt Collection Practices Act. The amount of {$7600.00} is claimed to be owed to the Plaintiff now without any proof of how they came to this number nor that the alleged debt was sold or assigned from the original creditor. The failure to notify violates the FDCPA and relevant state consumer protection laws. I am disputing the debt collection lawsuit brought against me now allegedly on behalf of Velocity Investments LLXXXX XXXX XXXX XXXX XXXX XXXX. I was never notified that my account had been sold or transferred and I never received any written notice of the new debt owner or any opportunity to request validation prior to be sued! There has been no proof given to me on the original contract, account ownership documentation, complete transaction history, and notice of assignment. I am requesting a full investigation into whether the collector followed proper procedures to notify me of debt sale and my right to dispute or validate the debt before filing a lawsuit. I also want to know if their aggressive and sneaky tactics violate federal consumer protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
The late payment remark on my credit report is negatively affecting my FICO score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately 35 % of my FICO score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments.

This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on FICO scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Tesla, Inc.
State: CA

Complaint narrative:
I am filing this complaint because my active auto loan with Tesla Finance LLC, account number XXXX, is not appearing on any of my credit reports ( XXXX XXXX XXXX XXXX  ). I have been making regular, on-time payments and confirmed with Tesla that my account is in good standing.

Despite this, the loan has never been reported to the credit bureaus. I contacted Tesla directly and requested that they furnish the account information to the credit reporting agencies, but the issue remains unresolved.

This omission affects my credit profile by not showing my installment loan history, which could help improve my credit standing.

I request that the Consumer Financial Protection Bureau investigate this matter and urge Tesla Finance LLC to begin reporting my loan account to all three major credit bureaus as required under the Fair Credit Reporting Act ( FCRA ).

I am attaching statement from TESLA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Click n' Close, Inc.
State: OK

Complaint narrative:
This account was never delinquent. XXXX XXXX XXXX was rebranded/sold to Click and Close. I paid all of the months that they've reported as 30 days late. Any mishap or misplaced payment due to selling/rebranding companies is not my fault and needs to be removed from my and my husbands credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 2025-06-24 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: MA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: Early Warning Services, LLC
State: MD

Complaint narrative:
On XX/XX/year>, I submitted to Early Warning Services ( Consumer # XXXX ) my valid FTC Identity Theft Report ( No. XXXX ) along with government-issued identification and proof of address to block a fraudulent XXXX XXXX XXXX XXXX checking account that I never opened or authorized. Early Warning confirmed the block and ceased reporting that tradeline. 

On XX/XX/year>, without any of the legally required procedures, Early Warning reinserted the XXXX XXXX tradeline. They failed to : Provide me five business days advance written notice of re-insertion ; Supply the name, address, and contact information of the data furnisher ; Offer me the opportunity to dispute directly with the furnisher before re-insertion.

These actions constitute willful violations of FCRA 605B, which mandates that identity-theft blocks remain in place for seven years unless I request removal, and may only be reinserted following strict notice and dispute rights. Early Warnings conduct has caused the fraudulent tradeline to reappear on my consumer files with all three major credit bureaus, further damaging my credit score and impairing my ability to obtain housing and credit. 

On XX/XX/year>, I sent Early Warning a re-block demand letter via the portal, expressly citing FCRA 605B and requesting immediate reinstatement of the block and notification of all downstream users. I set a firm 10-business-day deadline for compliance. As of today, I have received no substantive response or confirmation that the block has been reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
So they will not let me into my old account, or transfer funds to my new account from my old acc. This has been an ongoing process and I just need the money. Im honestly tired of using this app and I just think its time to file a lawsuit or something. They cant get away with what they are doing Ive provided all of the information. I do have the account logged in on an old phone but it wont let me use it. I do not have the same phone number anymore and I dont have the same debit card number but I do have the same bank acc. Ive already talked to them aswell.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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 explanation