vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXXTransUnion Consumer SolutionsXXXX XXXX XXXX PA XXXXSubject: Follow-Up  Request to Block and Delete Fraudulent Accounts  Identity\nTheft Victim\n\nDear Transunion Consumer Services,\nI am following up again regarding my previous request to block and delete fraudulent\naccounts and information related to my identity under the Fair Credit Reporting Act\n(FCRA), specifically pursuant to 15 U.S.CXXXX XXXX. I am a victim of identity theft\nbecause of the TransUnion data breach, and unauthorized accounts have been\nfraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:XXXX XXXX XXXX XXXXINQUIRIESXXXX 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 2023XXXX XXXX XXXX XXXX XXXX 2023XXXXUnder 15 U.S.C.  XXXX I request that Transunion promptly block and delete the\nfraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as\nwell as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please\ncontact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in\nensuring my credit report remains accurate and free from fraudulent activity.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 2025-09-05 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXXXXe XXXXe ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXXXXe XXXXe ) for deceptive and misleading reporting.

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 2025-09-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
I deposited a check from my tenant on XXXXM and T bank decided to hold the money without telling me about it. I called them and they gave me vague responses about why they were holding my money. I verified the check with the issuing bank and the issuing bank responded and said that the money was posted and paid the issuing back is XXXX but MandT bank decided that the issuing bank was XXXX. It's a cashiers check and it should have been cleared without any issues. I would like them to give me my funds and I would also like to close all my accounts with them. Not only did they tell me they couldn't talk to me on the phone. They asked me to go to the banking hall to verify my identity, after I verified my identity They told me I couldn't talk to anyone except the person that was assigned to my account as an investigator. While my mortgage company is charging me interest for not paying my mortgage on time. I have never had this problem with any other bank but them. I called M & T BANK multiple times and they did not have a real resolution for me, but kept giving me vague answers. if I hadn't even called them, they wouldn't have told me about any issues.

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 2025-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On XX/XX/scrub> 2025, Transworld Systems Inc. placed a collection account on my credit report for a XXXX XXXX bill. This was done in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. XXXX ) and Regulation XXXX ( XXXXXXXX XXXX  Part XXXX ). 

Transworld told me that their only attempts at notice were by email. I never received anything by mail or by phone. The only email I saw from them went directly to my junk mail folder and I did not open it at the time. Transworld has confirmed to me that they did not send me any letters or make any phone calls. 

The email they sent was not a valid validation notice because it did not include the required dispute rights language. I never gave Transworld consent under the E-SIGN Act to receive legal notices by email, and XXXX XXXX never sent me the transfer-and-opt-out notice required by XXXX XXXX  XXXX ( d ) ( XXXX ) before allowing a debt collector to use my email address. 

Despite this, Transworld reported the debt to the credit bureaus only 8 days later, which is less than the XXXXday waiting period required under Regulation XXXX XXXXXXXX ( a ). Because of this improper reporting, I suffered stress, anxiety, and harm to my credit. 

I am requesting that the CFPB review this violation and require Transworld Systems Inc. to remove the collection account from my credit reports and ensure they comply with federal law going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: IN

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-05 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: IN

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America offset over {$36000.00} from my account, which was earmarked to purchase a new home. My account had been charged off, and I had previously tried to set up a repayment plan but was told it was too late due to charge off and told I would be reported to the credit bureau. The funds taken were essential to complete my home purchase, and I am at risk of homelessness. I am willing to repay the debt, but the offset was improper and must be corrected immediately. A prior representative by the name of XXXX admitted the offset probably shouldnt have happened. XXXX XXXX was the last rep I spoke with and he said that this is a valid offset and that they cant help and that they apologize for all of the miscommunication. All he said he could do is make a report of the agents that miscommunicated with 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 2025-09-05 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: Klarna AB
State: CA

Complaint narrative:
To : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Unauthorized Hard Inquiry Dear XXXX, I am writing to dispute a hard inquiry that appears on my credit report. On XX/XX/XXXX2025, a hard inquiry was reported by XXXX XXXX XXXX Bank ). I did not authorize this inquiry, nor was I made aware that my application would result in a hard credit pull. 

Under the Fair Credit Reporting Act ( FCRA ), only inquiries that I have expressly authorized should appear on my credit file. Since I did not knowingly provide consent for this hard inquiry, I am requesting that TransUnion remove it from my credit report. 

Please investigate this matter and provide written confirmation of the results of your investigation. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX [ Your SSN XXXX [ XX/XX/XXXX [ Your Signature ] XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
On XX/XX/year> I went to go purchase a new phone at a store downtown they showed me the website Acima and they told me I can pay payments with lt. The cost of the phone was {$410.00} and with tax XXXX. So I brought the phone and made my payments on time and everything. So every month I make XXXX payments then after a good amount of months passed by I felt like I should be done paying for the phone already each month I pay {$46.00} twice plus a {$4.00} for optional liability and with both that added up and tax its a total of {$64.00}. So I go check on the website of Acima and then I see I have to pay a total of {$1100.00} then I was shocked and confused by this because it did not say anything about this and this was not the amount I agreed on all it said and I was told was I just had to pay for my phone thats what the people told me at the store and what the website told me. And now I feel like I have been cheated on and scammed by this website because it did not say nothing about this doubling fees.And after all this I XXXX this website to look at the reviews and I see almost or mostly completely bad reviews about Acima about how that scammed them as well and up charging them with they didnt even tell us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- Please correct/update this inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- Please correct/update this inaccurate information on my credit 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 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> at XXXXXXXX XXXX I received an email notification from XXXX XXXX and later from XXXX XXXX XXXX indicating that a new credit inquiry had been initiated. When I checked my email at XXXXXXXX XXXX., I saw that the hard inquiry was made through Capital One. I did not authorize this inquiry. 

I immediately called Capital One at XXXXXXXX XXXX. to report the fraudulent application/inquiry. Later, at XXXXXXXX XXXX I contacted XXXX to open a dispute regarding this credit inquiry and to set up a fraud alert. I was transferred to their fraud department and was advised to file a fraud/identity theft complaint with the FTC at ftc.gov and to submit a copy of the complaint to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Experian Executive Consumer Relations XXXX XXXX XXXX XXXX, TX. XXXX Subject : Immediately Remove All Late Payments To Whom It May Concern, In accordance with the Fair Credit Reporting Act this creditor XXXX # XXXX has violated my rights under 15 u.s.c 1681 section 602 states that 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 on account without my written instructions. 15 u.s.c 1681b ( 2 ) and pursuant to 15 u.s.c 1666b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose..

I demand my late payments be updated to paid on time according to these U.S. laws stated above Thanking You In Advance 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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : $ XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-05 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. 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 non-monetary relief
Consumer complaint received 2025-09-05 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: MI

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : [ XXXX XXXX ] [ XX/XX/year> ] [ XXXX XXXX ] [ XX/XX/year> ] [ XXXX XXXX XXXX XXXX XXXXXXXX ] [ XX/XX/year> ] [ XXXX XXXX ] [ XX/XX/year> ]

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