vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  received a notification from credit karma that there was a hard inquiry on my account. XXXX XXXX XXXX XXXX XXXX Concora Credit emailed me about registering my Indigo Mastercard account ending in: XXXX  and Milestone Mastercard account ending inXXXX XXXXnI was also informed through another email that I was enrolled in paperless statement.\XXXX XXXX XXXX XXXX XXXX XXXX was emailed that I applied for a Destiny Mastercard Account issued by XXXX XXXX XXXX XXXXThey are using my name with this addressXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was emailed informing me that my card was on its way. Both for the Indigo mastercard and Milestone mastercarXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and reported this fraudulent activity and advised them not to send the car and close the account since I was not the one to open these accounts.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-09-02 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: WA

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

1681c2 ) that you, the TransUnion 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 Date : XX/XX/year>XXXX XXXX Date : XX/XX/year> 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 2025-08-29 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: AL

Complaint narrative:
As per the guidance from the ConsumerFinancial Protection Bureau ( CFPB ) document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX {$500.00} XXXX XXXXXXXX {$2000.00} XXXX XXXX {$800.00} XXXX XXXX {$1300.00}

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: OH

Complaint narrative:
On XX/XX/XXXX, I discovered multiple unauthorized credit inquiries on my consumer reports from various financial institutions, including 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, and XXXX  XXXX ( with one inquiry on XX/XX/XXXX and another on XX/XX/XXXX ). 

I did not apply for credit with any of these entities, nor did I authorize these inquiries, making them fraudulent and without permissible purpose under the Fair Credit Reporting Act. To protect myself, I filed an official FTC Identity Theft Report ( # XXXX ) on XX/XX/XXXX, formally documenting my victim status and providing evidence that these inquiries were the result of identity theft. That same day, I also submitted requests to the major credit bureaus demanding the removal of these inquiries, as required under the FCRA and the FTC Identity Theft Rules. Despite my efforts, the fraudulent inquiries remain on my credit reports, continuing to harm my credit profile and financial stability. 



Legal Violations and Consumer Rights Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) gives me the right to block fraudulent information from my credit file after submitting an identity theft report. FCRA 611 ( 15 U.S.C. 1681i ) requires credit bureaus to conduct a reasonable reinvestigation and delete inaccurate or fraudulent information. FCRA 604 ( 15 U.S.C. 1681b ) prohibits credit inquiries without permissible purpose. These inquiries had no permissible purpose since I did not seek credit. FTC Identity Theft Rules ( 16 C.F.R. 603.3 ) reinforce that bureaus and furnishers must honor an FTC Identity Theft Report and immediately remove fraudulent data.

These fraudulent inquiries have significantly lowered my credit score, making it more difficult for me to secure legitimate credit and creating unnecessary financial barriers. Beyond the financial harm, this situation has caused me emotional distress and forced me to spend substantial time and effort filing reports, contacting credit bureaus, and closely monitoring my accounts. I continue to live with the ongoing concern that my personal information is still at risk, which has left me feeling vulnerable and uncertain about my financial security.

Supporting Documentation : FTC Identity Theft Report ( # XXXX, dated XX/XX/XXXX ) Copies of dispute letters to credit bureaus Credit report excerpts showing unauthorized 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 non-monetary relief
Consumer complaint received 2025-08-29 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:
On XX/XX/XXXX, I discovered multiple unauthorized credit inquiries on my consumer reports from various financial institutions, including 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, and XXXX  XXXX ( with one inquiry on XX/XX/XXXX and another on XX/XX/XXXX ). 

I did not apply for credit with any of these entities, nor did I authorize these inquiries, making them fraudulent and without permissible purpose under the Fair Credit Reporting Act. To protect myself, I filed an official FTC Identity Theft Report ( # XXXX ) on XX/XX/XXXX, formally documenting my victim status and providing evidence that these inquiries were the result of identity theft. That same day, I also submitted requests to the major credit bureaus demanding the removal of these inquiries, as required under the FCRA and the FTC Identity Theft Rules. Despite my efforts, the fraudulent inquiries remain on my credit reports, continuing to harm my credit profile and financial stability. 



Legal Violations and Consumer Rights Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) gives me the right to block fraudulent information from my credit file after submitting an identity theft report. FCRA 611 ( 15 U.S.C. 1681i ) requires credit bureaus to conduct a reasonable reinvestigation and delete inaccurate or fraudulent information. FCRA 604 ( 15 U.S.C. 1681b ) prohibits credit inquiries without permissible purpose. These inquiries had no permissible purpose since I did not seek credit. FTC Identity Theft Rules ( 16 C.F.R. 603.3 ) reinforce that bureaus and furnishers must honor an FTC Identity Theft Report and immediately remove fraudulent data.

These fraudulent inquiries have significantly lowered my credit score, making it more difficult for me to secure legitimate credit and creating unnecessary financial barriers. Beyond the financial harm, this situation has caused me emotional distress and forced me to spend substantial time and effort filing reports, contacting credit bureaus, and closely monitoring my accounts. I continue to live with the ongoing concern that my personal information is still at risk, which has left me feeling vulnerable and uncertain about my financial security.

Supporting Documentation : FTC Identity Theft Report ( # XXXX, dated XX/XX/XXXX ) Copies of dispute letters to credit bureaus Credit report excerpts showing unauthorized inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: NY

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

1681c2 ) that you, the Equifax 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 : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK

Complaint narrative:
Timeline of Events : XX/XX/year> : I attempted to initiate an international wire transfer via the Discover mobile application. The request was rejected, as the system required a U.S.-issued ID. I only possess my foreign passport and a valid U.S. visa. 

XX/XX/year> : I called Discovers wire transfer specialists and was explicitly told that if I did not have a U.S.-issued ID, I could complete the transfer by submitting a paper wire transfer form together with a Notarized ID verification. 

XXXX XXXX  : I paid {$25.00} for an online notary service. I submitted the required documentation with an electronic notary. Immediately afterward, I called Discovers wire department ( 21-minute call, XXXX ) and was told : The electronic notary could not be accepted. Section 13 of the form was inconsistent ( XXXX selected, but XXXX also listed ). 

Following this guidance : and later obtained an in-person notarization. 

XXXX XXXX  : I uploaded a new, fully compliant set of documents : An in-person notarization with full details. 
Corrected and re-signed forms, including Section 13. 

XXXX XXXX  : Immediately afterward, I called Discover again ( XXXX call, XXXX ) and was explicitly told that despite compliance, I must still provide a U.S.-issued ID and that my wire transfer must be canceled. 

XXXX PM and XXXX XXXX  : Only after the cancellation did I initiate alternative transfers ( ACH and XXXX ). These were a consequence of Discovers refusal, not the cause of the international wire failure. 

Issues Identified : Contradictory Requirements : Discover initially stated that paper applications with notarization were the proper alternative for non-U.S. ID holders. After I complied, they reversed course and demanded U.S.-issued ID only. 

Process Lacks Transparency : Each requirement was revealed only after I fulfilled the previous one ( piecemeal disclosure ), wasting significant time and money. 

Discriminatory Impact : The banks stance effectively blocks all foreign passport holders from executing international wire transfers, even though the notarization pathway was purportedly designed for that purpose.

Customer Treatment : Representatives displayed dismissive and arrogant attitudes, worsening frustration and demonstrating disregard for foreign customers. 

Harm Suffered : Direct financial loss : {$25.00} notary fee and related costs. 

Significant time wasted in complying with shifting requirements. 

Denial of reasonable access to funds that I am legally entitled to transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: NY

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: TX

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 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 2025-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
XXXX  company has been trying to get partial release from NewRez my mortgage lender. Tower company XXXX XXXX XXXX XXXX. 
Multiple emails sent for the past 4 months no response. NewRez has a vast amount of negative reviews and comments. This company is horrible. There is no phone number for partial release only an email. No one in NewRez can get ahold of partial release department. 3rd party me or NeeRez 's own agents. Soon I will loose my opportunity for XXXX  company and payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
NATLCRSYS AND XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS AND XXXX XXXX XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from 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