vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please be advised that due to a data breach, fraudulent accounts now appear under my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$2300.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$5100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please be advised that my credit report has been compromised due to a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting the blocking and removal of fraudulent accounts 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX  XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please be advised that my credit report has been compromised due to a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting the blocking and removal of fraudulent accounts 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX  XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have recently become aware of unauthorized accounts due to a data breach. Under Section XXXXB of the FCRA ( XXXX U.S.C. XXXX ( a ) ), I request the immediate blocking and deletion of the following accounts 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 GA 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, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$960.00} XXXX - Account Number : XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX GRP XXXX Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX TRUE ACCORD All companies are contacting me on my phone and email also phone call harassing me and contacting me all hours and also email and texts from true accord and other debt collection agency I have never done business we with anyone of theses companies they are contacting me being unprofessional at all hours tactics are wrong

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Citibank is reporting a Home Depot credit card on my credit reports with late payments and a current balance. This account was opened inXX/XX/XXXX during a period when my identity and personal information were misused and distributed without authorization. I am submitting my FTC Identity Theft Report and passport ID as formal notice under FCRA XXXX. Citibank failed to verify identity, consent, or accuracy before furnishing this tradeline to the credit bureaus. This violates FCRA XXXXe ( b ), XXXX ( a ), and XXXX ( b ). The continued reporting of this item is causing harm and must be removed under federal identity theft protections.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian has been refusing to fix and remove any dispute I made on my credit report trying to fix my credit and improve my credit score this is preventing me from making any further changes in my life

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 2025-06-05 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: GA

Complaint narrative:
Subject : Formal Complaint for Unauthorized Credit Inquiries Demand for Wet Signature Validation To Whom It May Concern, I am filing this formal complaint regarding two unauthorized hard inquiries reported on my credit reports by the following entities : XXXX XXXX ( XX/XX/year> ) XXXX  ( XX/XX/scrub>/2023 ) Pursuant to 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), any party requesting a consumer report must have a permissible purpose and must obtain prior written authorization from the consumer. Verification of authorization must include documented proof of my wet ( handwritten ) signature consenting to these inquiries.

To date, I have not provided any such written authorization for these inquiries, nor have I received any validation thereof.

Accordingly, I demand the following actions : Immediate production and submission of the original documents bearing my wet signature authorizing the above-listed inquiries.

If such documentation can not be provided, I demand the immediate deletion of these unauthorized inquiries from all credit reporting agencies.

Written confirmation from the credit bureaus that these inquiries have been removed or validated with proper documentation.

Failure to comply with these demands constitutes a willful violation of the FCRA and may result in legal action, including claims for damages and formal complaints to federal enforcement agencies.

Please acknowledge receipt of this complaint promptly and provide a timeline for resolution.

Thank you for your immediate attention to this matter.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Due to a data breach that exposed my personal information, fraudulent accounts have surfaced on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete them 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX BANK XXXX - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$2000.00} Inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

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 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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have been made aware that due to a recent data breach, my personal information was used to open fraudulent accounts. Pursuant to Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts 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 XXXX : XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX NV XXXX Please delete and block the following accounts from my credit report Accounts XX/XX/XXXX IN - Account Number XX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6200.00} XXXX. XXXX XXXX - Account Number : XX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XX/XX/XXXX - Account Number : XXXXXX/XX/XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} XX/XX/XXXX Account Number : XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX, Balance : {$88.00} XXXX XXXX - Account Number : XXXXXX/XX/XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XX/XX/XXXX - Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXXXX/XX/XXXX Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} InquiriesXX/XX/XXXX Date : XX/XX/XXXX XX/XX/XXXXDate : XX/XX/XXXXXX/XX/XXXXDate : XX/XX/XXXX XX/XX/XXXXDate : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXX/XX/XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXX/XX/XXXXDate : XX/XX/XXXXXX/XX/XXXXDate : XX/XX/XXXX XXXXXX/XX/XXXXDate : XX/XX/XXXXXX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Date : XX/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 non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: MD

Complaint narrative:
I had a loan with Upgrade where the payments were automatically deducted from my account. A month after my last payment was made in the year of XXXX I received a call from Upgrade stating that a payment back in XXXX was not made. I asked the person if it was not made then have it automatically deducted from my account. They said that was not possible and I will have to make the payment. Knowing that there are a lot of fraudulent calls going on I asked if they can send me something in the mail. He told me no but I can check my dashboard. I said okay and ended the call but when I logged into the dashboard it would not allow me to get into the system that my account was closed. It is not until I saw that my credit score dropped that I realized that is was not a scam. I called them to see why the automatic debit was never taken out and they were giving me stories that I may have changed accounts and they show that the automatic debit was canceled. I then asked them can they see if the information for my banking account was the same before the missed payment and after the missed payment that should show that I did not cancel the automatic debit and that it could have been a computer error on their part. I do not understand if a payment was missed back in XXXX why would they not debit the account instead of waiting until the loan was paid off in XXXX. This has affected my credit report tremendously and would like to get that resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX Code XXXX 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 ( XXXX ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I transferred money from my XXXX account to my Citizens XXXX Bank account. Citizens XXXX Bank rejected the transfer on XX/XX/XXXX. The amount was {$790.00}. 

Citizens XXXX Bank was supposed to credit the money back into my XXXX account since it was rejected. However, they never did. 

I have called multiple times and some customer service employees have no idea what I am talking about. One guy told me my money would be back in my XXXX account by today, XX/XX/XXXX. However, it has not been credited back. 

I did research and have seen people talk about how it could be the " middle man '' between XXXX and Citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I am writing to formally dispute a credit inquiry that appears on my credit report, which I did not authorize or recognize. The inquiry in question is listed as : Under the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ), only entities with a permissible purpose may access a consumers credit file. I did not provide authorization or consent to [ Company Name ] to obtain my credit report, and I have no existing or prior relationship with them that would warrant such access. Therefore, this inquiry is a violation of the FCRA and constitutes an unauthorized credit pull.

This inquiry is negatively affecting my creditworthiness, and I am requesting that you take immediate action to remove it from my credit file.

Please consider this letter a formal demand for : 1. The immediate deletion of the unauthorized inquiry from my credit report.

2. A written confirmation that this has been done.

3. Disclosure of the source of the inquiry, including any documentation allegedly authorizing it.

If this issue is not resolved within 30 days as required by the FCRA, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. I will also consider pursuing legal remedies as permitted under FCRA provisions.

Attached is a copy of my government-issued identification and a recent utility bill to verify my identity. Please consider this matter urgent and take appropriate action as required by federal 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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOVERY has violated my rights as a consumer and failed to properly investigate the inaccurate and incomplete information I disputed and they continued to collect on the debt while it was in dispute. They have violated 15 usc 1681s-2b for failure to conduct a proper investigation and considering all relevant information regarding the dispute. If this is not removed from my credit report I plan on taking them to arbitration using the original creditors agreement since I have the right to do so.

Company response to consumer: Closed with explanation