vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 2025-06-19 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit 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 non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MO

Complaint narrative:
{$1500.00} was disputed through chime & Chime denied my dispute twice. Unauthorized transactions I am not responsible for, I stated this to chime, individually, for each transaction when my information was stolen & used fraudulently. 12 CFR 1005.2 ( m ) Under this act I am entitled to every dollar they stole to be given back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: NV

Complaint narrative:
I try to credit accounts on experian but the address, phone number and email is not my. 
My address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number XXXX The wrong address had been created XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And the phone number ending XXXX is no my phone number. 
Email XXXX XXXX XXXX is not my too

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 2025-06-19 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: TX

Complaint narrative:
I am disputing several hard inquiries that appear on my credit report, which I did not authorize. These inquiries were made around XX/XX/year>, by various auto finance companies and dealerships ( e.g., XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, etc. ). 
I never gave written or verbal permission for these entities to run my credit. It appears my information was shared among multiple lenders without my direct consent, resulting in numerous hard pulls that are hurting my credit. 
Per the FCRA, I am requesting the removal of these unauthorized inquiries from my credit report : Ally Financial ( Experian & Equifax ) XXXX XXXX XXXX XXXX ( Experian ) XXXX XXXX via Dealer ( Equifax ) XXXX XXXX ( TransUnion ) XXXX ( TransUnion ) First Community Credit ( Equifax XXXX XXXX XXXX XXXX ( Equifax ) Please investigate and remove these inquiries. Thank you.

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 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UMB FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had made a purchase from XXXX company. It was a purchase of gold on XXXX 2024, in the amount of {$4600.00}. I used XXXX issued credit card ( XXXX card ) to make the purchase. Tracking order said that I had signed for it at the local post office on XXXX XXXX. 
I had ordered XXXX times from this company in the past, they just left the package on the door step. Post office said i went to the post office and signed for it. I filed a complaint with the XXXX card as well. I called XXXX to find out who to send the police report to. They said because I filed a complaint with the XXXX card, they would no longer talk to me. They insured the package for only {$100.00}. XXXX being valued at {$4600.00}. XXXX card recharged my card I

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: MD

Complaint narrative:
I am a victim of identity theft and a verified data breach. Several fraudulent accounts were opened or reported in my name without my knowledge or consent. Despite submitting proper disputes, the companies involved have failed to provide lawful validation or supporting documentation. Some falsely claimed I was served court documents, which never occurred. Based on that false claim, my wages were garnished, and Ive been left barely surviving. 

This situation has caused severe emotional distress, anxiety, XXXX, and has directly affected my health, housing, and stability. Ive received harassing calls, threats, and emails in violation of my rights. Ive been treated unfairly, and the inaction of these companies has caused long-term harm. 

On XX/XX/year>, I submitted formal disputes to all three credit bureaus with my FTC Identity Theft Report, government-issued ID, proof of address, and a statement identifying all fraudulent accounts. These agencies are now in violation of : 15 U.S.C. 1681c-2 Requires deletion/blocking of fraudulent information within XXXX business days after receiving proper documentation.

15 U.S.C. 1681i Failure to conduct a reasonable investigation of disputed items.

15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy in reporting.

15 U.S.C. 1692d Harassment and abuse by debt collectors.

15 U.S.C. 1692e Use of false or misleading representations, including threats of legal action.

15 U.S.C. 1692g Failure to properly validate debts when requested in writing.

These companies have failed to comply with the law. If they do not delete these accounts immediately, I will pursue formal legal action for damages, report them to the Maryland Attorney General, and take this to court if needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: MD

Complaint narrative:
I am a victim of identity theft and a verified data breach. Several fraudulent accounts were opened or reported in my name without my knowledge or consent. Despite submitting proper disputes, the companies involved have failed to provide lawful validation or supporting documentation. Some falsely claimed I was served court documents, which never occurred. Based on that false claim, my wages were garnished, and Ive been left barely surviving. 

This situation has caused severe emotional distress, anxiety, XXXX, and has directly affected my health, housing, and stability. Ive received harassing calls, threats, and emails in violation of my rights. Ive been treated unfairly, and the inaction of these companies has caused long-term harm. 

On XX/XX/year>, I submitted formal disputes to all three credit bureaus with my FTC Identity Theft Report, government-issued ID, proof of address, and a statement identifying all fraudulent accounts. These agencies are now in violation of : 15 U.S.C. 1681c-2 Requires deletion/blocking of fraudulent information within XXXX business days after receiving proper documentation.

15 U.S.C. 1681i Failure to conduct a reasonable investigation of disputed items.

15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy in reporting.

15 U.S.C. 1692d Harassment and abuse by debt collectors.

15 U.S.C. 1692e Use of false or misleading representations, including threats of legal action.

15 U.S.C. 1692g Failure to properly validate debts when requested in writing.

These companies have failed to comply with the law. If they do not delete these accounts immediately, I will pursue formal legal action for damages, report them to the Maryland Attorney General, and take this to court if needed.

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 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I received a Letter from the Debt Collector SUNRISE CREDIT SERVICES INC.

for an alleged debt of {$10000.00}. I'm enclosing my DISPUTE DEBT LETTER along with the Letter I received from them.

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 2025-06-19 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate and fraudulent information that appears on my XXXX  credit report, which I believe is the result of identity theft stemming from the XXXX  XXXX  data breach. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i and 1681c-2, I am exercising my right to dispute items I did not authorize and request their immediate removal or correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: NC

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

1681c-2 ) that you, the Experian 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 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 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 2025-06-19 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: OH

Complaint narrative:
Subject : Request for Full Disclosure of Consumer Report Information Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am writing to request all information contained in the full consumer report that DATAX, Ltd has on me. Access to this information is essential to address concerns regarding this inquiry and to ensure that my rights are fully protected.

Specifically, I am requesting : A complete copy of the full consumer report that DATAX, Ltd has on me.

Any additional details or documentation related to this inquiry that may assist in resolving this matter.

I kindly ask for your assistance as the overseeing consumer agency to ensure I receive all relevant information and that this issue is addressed appropriately. If additional documentation is required to process my request, please let me know.

You may contact me at [ your phone number ] or [ your email address ] for further communication. Thank you for your time, attention, and support in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-06-19 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: DISCOVER BANK
State: IL

Complaint narrative:
In XXXX and XX/XX/year>, I submitted formal written requests to Discover Bank demanding full validation of an alleged debt related to a credit card account. Discover responded with generic statements, but failed to provide any of the documents I explicitly requested, including : ( 1 ) a copy of the original signed agreement, ( 2 ) a complete accounting of charges and payments, ( 3 ) a written notice of charge-off or default, ( 4 ) a certified P & L or charge-off justification, ( 5 ) a Form 1099-C if the debt was canceled, and ( 6 ) confirmation the debt was not sold or reassigned. 

Despite failing to validate the debt as required by FCRA 623 and FDCPA 809, Discover continues to report the account negatively to XXXX, XXXX, and XXXX as a Charge-Off with inconsistent balances and dates. Their responses ignore my legal demands and do not meet the standards of proper verification under federal law. I believe this constitutes a willful violation of FCRA 623 ( a ) ( 1 ) ( A ), 623 ( b ), and FDCPA 807. I am requesting the CFPB to require Discover to properly validate this debt or permanently remove it from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-06-19 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
There are entries on my credit report that I did not initiate. These accounts are unauthorized and must be deleted. Per 15 U.S. Code 1681g, I request resolution within 15 days. Attached are documents confirming my identity and claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: NJ

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation