vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
I recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me. The following alleged account is listed as a collection with a PAST DUE balance of {$10000.00} Account Name XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliance reporting standards. 

According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed. 

I demand you remove the inaccurate account immediately to avoid further persecution from the CFPB and Federal Trade Commission. Please send me an updated copy of my credit report showing your compliance with all FCRA and XXXX XXXX Reporting requirements. 

With Great Sincerity, 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 2025-05-30 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: TX

Complaint narrative:
I recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me. The following alleged account is listed as a collection with a PAST DUE balance of {$10000.00} Account Name XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliance reporting standards. 

According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed. 

I demand you remove the inaccurate account immediately to avoid further persecution from the CFPB and Federal Trade Commission. Please send me an updated copy of my credit report showing your compliance with all FCRA and XXXX XXXX Reporting requirements. 

With Great Sincerity, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth:XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX XXXX XXXX BALANCE : {$75000.00}, XXXX XXXX XXXX XXXX XXXX XXXX BALANCE : {$28000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE : {$0.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are 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 non-monetary relief
Consumer complaint received 2025-05-30 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: AL

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 non-monetary relief
Consumer complaint received 2025-05-30 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: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : collection account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX the account is shown in collection on Equifax only mortgage loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX account is showing late payment history on TransUnion and Experian only mortgage loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX account is showing late payment history on TransUnion and Experian only which is being inconsistently reported among the national credit bureaus.

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 2025-05-30 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: Chime Financial Inc
State: OH

Complaint narrative:
I filed a dispute on my chime credit builder account on XX/XX/XXXX. I was told they dont provide provisional credit and that it would take up to two billing cycles to resolve the issue. Today XX/XX/year> they denied my dispute with no reason why after making me wait well over 45 days. I called today and I was told to check my email on the reason of the denial. The reason for denial stated. As applicable, we coordinate with other financial institutions, merchants and networks as part of the claim review. Which is ridiculous and unacceptable. If you can do anything to help please feel free to do. My claim ID is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/year> my computer was hacked. I received a text from Citibank asking if I made a wire transfer for {$49000.00}. I responded No and was texted a phone number to call and open a fraud dispute. I also went to Citibank and had a fraud dispute form filled out and had it notarized. I spoke with Citibank numerous times and Denial letters were mailed to me. They said I gave access to the person who performed the wire transfer every time I received the letter of denial. I kept telling them my computer was hacked.

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX reported a false " fund transfer fraud '' designation to Early Warning Services ( EWS ) under account number XXXX. I obtained my EWS report and discovered this damaging and inaccurate entry, which I dispute entirely. I was never notified of this reporting or provided an opportunity to address the allegation. This has negatively impacted my ability to open financial accounts and harmed my reputation. 
I submitted formal dispute letters to both XXXX XXXX and Early Warning Services and requested evidence to substantiate the fraud claim. As of this filing, I have not received documentation that supports the reporting, nor any indication that a proper reinvestigation has been completed. 
I believe XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ), particularly sections 1681s-2 ( a ) and ( b ), by furnishing inaccurate information and failing to conduct a reasonable reinvestigation. This may also constitute a violation of the Consumer Financial Protection Act ( UDAAP ) and defamation under state law. 
I am requesting that the CFPB require XXXX XXXX to : Fully investigate and verify or remove the fraud designation from my EWS report, Provide all documentation used in making the determination, Notify me in writing of their findings and corrective actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
I reviewed monthly loan statements and all available information regarding my XXXX  loan on Goodleap 's current servicing app, legacy payment website, and by calling into the customer service number. Not a single document, including the monthly statements, details the accrued interest for the loan. When speaking with a customer service representative today on XX/XX/XXXX, I asked for the accrued interest as of XX/XX/XXXX. The customer service agent did not seem to have any idea what I meant. He then provided me with a dollar total in response to my question, and I asked for substantiating documentation. He emailed me a summary, which did not list any information related to accrued interest at all, and I realized that he provided me with the sum of all loan payments that I made in XXXX rather than accrued interest. I don't think he has enough of a basic understanding of loan terms to understand or answer my question, which is unacceptable for a customer service agent for a loan servicer. I still have not been able to get any information about accrued interest. I believe that the lender / servicer is in violation of laws and regulations requiring the inclusion of accrued interest information in periodic statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : DISPUTE OF FRAUDULENT ACCOUNT - XXXX XXXX Account : XXXX XXXX Account Number : XXXX To Whom It May Concern : I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681 et seq., to formally dispute inaccurate and fraudulent information that appears on my credit report. This letter serves as my official notification that the above referenced account was opened without my knowledge, authorization, or consent, and therefore constitutes a violation of federal law. The account in question, XXXX XXXX with account number XXXX, was fraudulently opened in my name. I have never applied for, authorized, or utilized this account in any capacity. This unauthorized account constitutes a clear violation of my rights under the FCRA and potentially indicates identity theft as defined under the Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028.

Under Section 611 ( a ) ( 1 ) of the FCRA [ 15 U.S.C. 1681i ( a ) ( 1 ) ], you are legally obligated to conduct a reasonable investigation into this matter. Furthermore, pursuant to Section 605B of the FCRA [ 15 U.S.C. 1681c-2 ], you are required to block the reporting of any information in my file that I identify as resulting from an alleged identity theft. 
I hereby demand that you immediately initiate an investigation into this fraudulent account and remove all information related to this account from my credit report. You must also notify all entities that have received my consumer report containing this fraudulent information within the last six months and provide me with written confirmation once this fraudulent account has been removed from my credit report.

Be advised that failure to comply with this request may constitute a violation of the FCRA, which provides for statutory, actual, and punitive damages, as well as attorney 's fees. Additionally, any continued reporting of this fraudulent information may violate the provisions of the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq.

I expect your prompt attention to this serious matter. Under the FCRA, you are required to complete your investigation and respond to my dispute within 30 days of receipt of this letter. I reserve all rights under federal and state law, including but not limited to the FCRA, the Fair Debt Collection Practices Act, and applicable state consumer protection statutes. 

Sincerely, XXXX XXXX Enclosures : Copy of identification ( if applicable ) cc : Consumer Financial Protection Bureau Federal Trade Commission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: FL

Complaint narrative:
My credit file now contains fraudulent accounts due to a major data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting blocking and deletion within 4 days : 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 FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00}

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 non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CO

Complaint narrative:
I would like to kindly request that the credit freeze on my file be lifted, as I am in the process of applying for credit and need my report to be accessible to authorized parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
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 explanation
Consumer complaint received 2025-05-30 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2025-05-30 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: NJ

Complaint narrative:
In review of my credit profile I saw some inquiries that did not belong to 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 2025-05-30 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: FL

Complaint narrative:
I am writing to formally dispute inaccuracies in my Social Security account that I believe have resulted from the breach that occurred in 2024. 

The breach has led to unauthorized access to my personal information, which is a violation of the privacy provisions outlined in 15 U.S.C. 6801. This statute emphasizes the necessity for financial institutions and other entities to safeguard consumers private information and to notify affected individuals in the event of a breach. 


Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Account Number : 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 non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation