vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, 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 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This problem started last week on XX/XX/year>. I was trying to watch XXXX XXXX Movies on my TV. I got an error message on myTV that i needed to upgrade and was instructed to go to XXXX. I went to the url as instructed and it said to call the help desk. I reached the help desk, and the " technical support member '' instructed me to hold on the line. I held on the line, and then my phone froze. The support person, took control of my phone, and downloaded software that shared my screen. They then proceeded to make multiple transactions using my digital wallet, they transferred funds from my personal account at Bank of America and my business account at XXXX. 

They withdrew {$1300.00} from my personal checking, as an ACH payment, they made a second payment using my XXXX account for {$2400.00}. Then they did an XXXX XXXX payment from my XXXX business account for {$1500.00}. After they stole my funds, the phone shut off. When I was able to reboot my phone, the next morning, I started seeing all the transactions. I contacted both my banks and opened a fraud claim. I was told that they would open a fraud claim and reimburse me for the {$1300.00} payment, while they investigated the claim. Today I was told that B of A, will not reimburse me because it was a scam and not fraud, they further stated that the FDIC does not cover scams. This was a fraudulent transactions, and they have wiped out both of my accounts. Despite me only having {$49.00} in my account, and filing a claim with XXXX XXXX, they also paid out the {$2400.00} to the fraudsters, and are now coming after me to pay them {$2400.00}. 

While the payments were showing pending in my accounts, I tried repeatedly to tell the bank not to pay those transactions, but they said they couldn't stop the process. They had to let the payments go through, and then file the fraud claim??? 

At this point, I have lost a total of {$2900.00} i I also filed a fraud claim with XXXX XXXX, and they also said, that the transaction was made from my phone, and denied my fraud claim. I didn't even have {$2400.00} in my bank account, but they paid the fraudsters, despite my claims of fraud. 

Where do I go from here, I'm a retired senior, with an exemplary banking record at both banks. As for XXXX XXXX, I'm pretty certain, they are going to come after me for the {$2400.00}, since my bank actually couldn't pay that, because the funds were not available. I told XXXX XXXX in enough time to alert them, but they did absolutely nothing, to stop the payment process. 

I need help and don't know where to turn.

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 2025-05-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: CT

Complaint narrative:
My credit is very important to me, and I am genuinely concerned about the inaccurate information showing on my credit report. These errors are affecting my ability to get approved for new credit and have become a serious source of stress.

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 2025-05-20 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint to dispute inaccurate and unauthorized information on my credit reports from Equifax, Experian, and TransUnion, in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. and FACTA.

1. Unauthorized Hard Inquiries Lack of Permissible Purpose & Wet Signature Verification Under FCRA 604 ( a ) ( 3 ), a creditor must have a permissible purpose and my signed authorization ( wet signature ) to access my credit report. The following inquiries were made without my consent, and I demand validation of a wet-signed authorization for each. If they can not provide proof, they must be removed immediately : XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX OF XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Legal Demand : Per FCRA 611 ( a ) ( 1 ) ( A ), the credit bureaus must verify whether these inquiries had proper authorization.

If no wet-signed document or permissible purpose exists, they must be deleted under FCRA 611 ( a ) ( 5 ) ( A ) ( i ). 

XXXX. Incorrectly Reported Dismissed Bankruptcy Case Number : XXXX ( Chapter XXXX ) Status : Dismissed ( not discharged ) Dispute : This bankruptcy is inaccurately reported. I demand verification of the dismissal status under FCRA 611 ( a ) ( 1 ) ( A ). If it can not be confirmed, it must be removed per FCRA 605 ( a ) ( 1 ). 

XXXX. Inaccurate Late Payment Reporting XXXX XXXX Account Number : [ Last 4 digits XXXX XXXX XXXX XXXX XXXX XXXX Dispute : I never missed payments as reported. Under FCRA 623 ( a ) ( XXXX ) ( A ), XXXX XXXX must validate all payment records. If they can not, the late marks must be deleted. 

Requested Resolution : Immediate deletion of all unauthorized inquiries unless signed authorization ( wet signature ) is provided. 

Removal of the dismissed bankruptcy if verification fails. 

Correction of XXXX XXXX payment history or deletion if unverified. 

Updated credit reports sent to me post-correction. 

Legal Warning : Failure to comply with this dispute within 30 days violates FCRA XXXX ( a ) ( 1 ) ( A ) and may result in further legal action, including a private lawsuit for willful noncompliance ( 15 U.S.C. 1681n ).

Attachments ( if available ) : Copy of bankruptcy dismissal order Prior dispute letters ( if any ) Identity verification documents Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint to dispute inaccurate and unauthorized information on my credit reports from Equifax, Experian, and TransUnion, in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. and FACTA.

1. Unauthorized Hard Inquiries Lack of Permissible Purpose & Wet Signature Verification Under FCRA 604 ( a ) ( 3 ), a creditor must have a permissible purpose and my signed authorization ( wet signature ) to access my credit report. The following inquiries were made without my consent, and I demand validation of a wet-signed authorization for each. If they can not provide proof, they must be removed immediately : ONEMAIN ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX ) XXXX OF XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXXXX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Legal Demand : Per FCRA 611 ( a ) ( 1 ) ( A ), the credit bureaus must verify whether these inquiries had proper authorization.

If no wet-signed document or permissible purpose exists, they must be deleted under FCRA 611 ( a ) ( 5 ) ( A ) ( i ). 

2. Incorrectly Reported Dismissed Bankruptcy Case Number : XXXX ( Chapter XXXX ) Status : Dismissed ( not discharged ) Dispute : This bankruptcy is inaccurately reported. I demand verification of the dismissal status under FCRA 611 ( a ) ( 1 ) ( A ). If it can not be confirmed, it must be removed per FCRA 605 ( a ) ( 1 ). 

XXXX. Inaccurate Late Payment Reporting GM Financial Account Number : [ Last 4 digits XXXX XXXX XXXX XXXX XXXX  ] Dispute : I never missed payments as reported. Under FCRA 623 ( a ) ( 1 ) ( A ), GM Financial must validate all payment records. If they can not, the late marks must be deleted. 

Requested Resolution : Immediate deletion of all unauthorized inquiries unless signed authorization ( wet signature ) is provided.

Removal of the dismissed bankruptcy if verification fails.

Correction of GM Financials payment history or deletion if unverified.

Updated credit reports sent to me post-correction.

Legal Warning : Failure to comply with this dispute within 30 days violates FCRA 611 ( a ) ( 1 ) ( A ) and may result in further legal action, including a private lawsuit for willful noncompliance ( 15 U.S.C. 1681n ).

Attachments ( if available ) : Copy of bankruptcy dismissal order Prior dispute letters ( if any ) Identity verification documents Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Triton Recovery Group
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally report the conduct of XXXX XXXX  and their affiliated collections agency, XXXX XXXX XXXX. 


I only received XXXX in funding and paid over XXXX so far. 
Contract Start Date : XX/XX/2025 Daily Payment Amount : {$160.00} Total Business Days ( through XX/XX/2025 ) : XXXX days Total Paid as of XX/XX/2025 : {$7400.00} Upon reviewing the financing agreement with XXXX XXXX  ( I requested the finance in a bad situation so i didn't really examine as I should when I first got funded ), I discovered that my business was being charged not only a predatory rate exceeding XXXX XXXX XXXX, but also administrative and finance charges that were included in the financed amountdespite those funds never being disbursed. To my understanding, it is not lawful to finance amounts that were not actually lent, nor to charge interest on such fees. 

When I contacted XXXX XXXX to request a breakdown and clarification, I explained that I would pause payments until the matter was resolved. Rather than address the issue or provide transparency, XXXX forwarded my account to XXXX XXXX XXXX, who has since engaged in aggressive and harassing behaviorincluding contacting my personal employer. 

Even after a direct response from my employers CEO, XXXX continued to make contact, clearly attempting to apply inappropriate pressure on me personally and professionally. 

This situation has escalated beyond a business dispute and is now affecting my employment. I am urgently requesting the following : XXXX. A review of the financing practices used by XXXX XXXX, particularly the inclusion of fees in the financed amount. 
XXXX. An investigation into XXXX XXXXXXXX XXXX collection tactics, including third-party harassment. 
XXXX. Immediate protection against further personal and professional harm caused by these actions. 

I am prepared to provide full documentation and correspondence upon request. I hope to receive assistance in resolving this matter quickly and fairly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: SD

Complaint narrative:
I received a debit and credit card from Chime today ( XX/XX/year> ). I never opened an account or received any emails from this company, but they managed to open a debit and credit card in my name. I spoke with Chime 's fraud department and they were able to close the account. However, I'm still unsure how they got enough information to open an account in the first place, as I didn't even have a log in on their website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-05-20 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: RI

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! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint to demand that Equifax conduct a thorough and lawful reinvestigation into multiple charge-off and collection accounts inaccurately reporting on my Equifax credit file. The accounts include XXXXXXXX XXXXXXXX ( account XXXXXXXX XXXX XXXX XXXX XXXX charge-off dated XX/XX/XXXX for {$600.00} ), XXXX ( account XXXXXXXX XXXX XXXX XXXX XXXX, charge-off dated XX/XX/XXXX for {$1100.00} ), XXXX ( account XXXXXXXX XXXX XXXX XXXX XXXX, charge-off dated XX/XX/XXXX with a {$0.00} balance ), XXXX ( account XXXXXXXX XXXX XXXX XXXX XXXX charge-off dated XX/XX/XXXX for {$1800.00} ), XXXX XXXX XXXX ( account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX for {$760.00} ), XXXX ( account XXXXXXXX XXXX XXXX XXXX XXXX charge-off dated XX/XX/XXXX XXXX a {$0.00} balance ), XXXX XXXX XXXX ( account XXXXXXXX XXXX XXXX XXXX XXXX  charge-off dated XX/XX/XXXX for {$2200.00} ) , XXXX XXXX XXXX ( account XXXXXXXX XXXX XXXX XXXX XXXX, charge-off dated XX/XX/XXXX for {$800.00} ) , and XXXX XXXX XXXX ( account XXXXXXXX XXXX XXXX XXXX XXXX, charge-off dated XX/XX/XXXX for {$3700.00} ). These accounts exhibit numerous issues including duplicative balances, charge-offs with XXXX balances incorrectly flagged as derogatory, and conflicting information about debt ownership and transfers. This suggests my personal information may have been compromised through a data breach, leading to these systemic errors. Despite my previous disputes, Equifax has not provided any legitimate verification or original documentation to support these accounts.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) reveal significant concerns about Equifaxs failure to conduct proper investigations. The CFPB lawsuit alleges sham investigations by Equifax, violating consumer protection laws and failing to meet obligations under the FCRA. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is mandated to perform a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, 15 U.S.C. 1681i ( a ) ( 5 ) requires Equifax to delete or correct any inaccurate, incomplete, or unverifiable information promptly. Ignoring these requirements is a violation of federal law and harms consumers like myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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:
Subject : Dispute Inaccurate Personal Information on Credit Reports Complaint Details : I am writing to formally dispute multiple instances of incorrect personal information being reported by the three major credit bureaus ( Equifax, Experian, and TransUnion ). Despite my previous disputes, this inaccurate information remains on my credit file, which is harming my creditworthiness and causing confusion. 

Incorrect Personal Information : Incorrect Name Variation Reported Incorrectly : " XXXX, XXXX '' Correct Name : [ Your full legal name ] Incorrect Previous Addresses Reported Incorrectly : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX, CA Correct Address : [ Your current and correct address ] Incorrect Employment Information Reported Incorrectly : XXXX XXXX XXXX XXXX XXXX XXXX Correct Employer ( if applicable ) : [ Your actual employer or " None '' ] Requested Resolution : I request that the CFPB investigate this matter and direct Equifax, Experian, and TransUnion to : Immediately remove all inaccurate personal information from my credit file. 

Provide me with updated credit reports reflecting these corrections. 

Ensure no future misreporting of this incorrect data. 

I have previously disputed this information with the credit bureaus, but it has not been corrected. Under the Fair Credit Reporting Act ( FCRA ), these inaccuracies must be removed promptly. 

Supporting Documentation ( if available ) : Copies of prior dispute letters ( if applicable ) Proof of identity ( e.g., drivers license, utility bill ) Any correspondence from the credit bureaus I appreciate your prompt attention to this matter and expect a resolution as soon as possible. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

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