vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been the victim of a data breach resulting in fraudulent accounts on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly 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 CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} Inquiries 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 2025-06-02 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi had been siding with a fraud merchant that has scammed millions of dollars from their customers, while Citi hasnt reviewed any of the evidence I have provided. When attempting to contact Citi, they have been extremely unhelpful in attempting to resolve my dispute. 

I havent been able to access my purchases since I bought them. And on XX/XX/XXXX, the company ( XXXX ) basically shut down operations without fulfilling the purchase I made and took everyones money. 

XXXX have not responded to any customer inquiry I have made through their any of their customer facing channels. I have been attempting to contact the merchant for months since the purchases. However, the fraud merchant has been unreachable through phone, email, or mail. All they have been doing is responding to disputes of customers who are trying to get their money back.

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 monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I have an account called LVNV funding for XXXX bucks on my XXXX  credit. Ive tried calling them. Them are a scam. They want me to pay money to fix my credit. Then when I say know they threaten me with lawsuits and I said I want to pay off this balance even though I am unaware of this XXXX  XXXX balance. They said I need to pay them monthly. Its a scam and XXXX  told me to contact u

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
I am filing a complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically 1681i ( a ). 

On XX/XX/year>, I submitted a formal dispute concerning the following inaccurate and unverifiable accounts : XXXX XXXX Account # XXXX {$1400.00} XXXX XXXX XXXX XXXX Account # XXXX [ {$2300.00} or actual amount ] After receiving no resolution, I followed up on XX/XX/year>, and sent a Final Legal Notice on XX/XX/year>. To date, TransUnion has not verified or removed the accounts and has provided no investigation results, which is a direct violation of FCRA 1681i ( a ). 

These accounts continue to harm my credit profile, and I have suffered damages as a result. 

I request immediate deletion of both accounts and written confirmation of correction.

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 2025-06-02 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the 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, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. 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 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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NC XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX To Whom It May Concern, I am writing to request an immediate update to the address listed on my credit file. Please update my records to reflect my new residential address, effective immediately : You are hereby demanded to add and make reference to my new home address and remove any and all old address appearing on my credit report! 
New Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX For verification purposes, I have enclosed copies of the following documents : A valid government-issued photo ID ( such as a drivers license ) A recent utility bill or official correspondence showing my new address Please confirm once this change has been made, and kindly ensure this new address is reflected accurately across my credit file. 
If you require any additional information or documentation, please contact me at the phone number or email listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NC XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX To Whom It May Concern, I am writing to request an immediate update to the address listed on my credit file. Please update my records to reflect my new residential address, effective immediately : You are hereby demanded to add and make reference to my new home address and remove any and all old address appearing on my credit report! 
New Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX For verification purposes, I have enclosed copies of the following documents : A valid government-issued photo ID ( such as a drivers license ) A recent utility bill or official correspondence showing my new address Please confirm once this change has been made, and kindly ensure this new address is reflected accurately across my credit file. 
If you require any additional information or documentation, please contact me at the phone number or email listed above. 
Thank you for your prompt attention to this matter. 
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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I asked that no other addresses be listed except the one that starts with XXXXXXXX XXXX XXXX XXXX XXXX on the account as any other addresses are not mine.

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 2025-06-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the 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, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. 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 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 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-02 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: MA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-02 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: MA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: TX

Complaint narrative:
There are XXXX transactions from XXXX in XXXX that I don't recognize or gave any permission to anyone. I have not received anything to my address from these purchases. I rarely use this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: Credit Control, LLC
State: CA

Complaint narrative:
To the CFPB : I am filing this urgent complaint against Creditor Control located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MO XXXX for unlawfully attempting to collect a debt that has no legal basis. 

Critical Facts : First contact received : XX/XX/year> Debt reference number : # XXXX No contractual relationship exists : I never signed any agreement with Creditor Control No proof of debt obligation has been provided This appears to be either fraudulent or a case of mistaken identity Legal Violations : FDCPA 1692g Failure to provide written validation within 5 days of initial contact ( XX/XX/year> ) FDCPA 1692e ( 2 ) ( A ) False representation of the legal status of this debt FCRA 1681s-2 ( b ) Reporting unverified information to credit bureaus without investigation Dodd-Frank Act UDAAP ( 12 USC 5531 ) Unfair and deceptive practice of pursuing collections without legal standing

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 2025-06-02 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: TN

Complaint narrative:
i have not did not inquiries please remove all inquiries from alll creditor

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 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NC

Complaint narrative:
I opened an online checking account with US Bank. After much research I decided to go with us bank because I currently have a credit card with them. I was able to make a deposit via XXXX XXXX account to open the account {$25.00}. The marketing provides that they are over 30,000 ATMs available for banking. Once I open the account I attempted to make a cash deposit I was then notified by US Bank when I called, there are no deposits available near me only withdrawal ATMs and nowhere was that in the advertisement I told them that I wanted to close my account and I wanted my {$25.00} back so I was told by the agent the manager to sell the money back to myself which I got my {$25.00} back however I also wanted the soft inquiry removed off of my credit report due to in my opinion false advertising bye us bank. The manager that I spoke with agreed with me that there was nothing shown to say that you can not make cash deposits at the ATM locations. The only place that I would be able to make a cash deposit was in another state I would not sign up to a bank account anywhere that I have to drive to another state in order to do my banking in cash. What I am requesting is that US Bank close my account which I have not used can I use and I would like this most importantly this soft credit inquiry removed off of my XXXX credit. I would be grateful for any and all assistance that you can give 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 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Long story short I was scammed into depositing a fraudulent check into my bank account for a painting job a lady needed done Ive been taking to her for week her name is XXXX and she sent pictures of the work she needed done so we agreed to a price and she sent a check I do a lot of work for different clients and I did not think anything of this being a scam so a few days went by I checked my account and it was locked and Bank of America said they are closing it do to that I ask them how I can fix this and they didnt have any answers at all I have a child Im a good person I want to fix this so it doesnt affect my future and I have all the messages and number and address and the check the scammer sent me I also made a police 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 monetary relief
Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
I am disputing the inaccurate reporting of the XXXX XXXX account credit file across the 3 bureaus. There are clear discrepancies between what you are reporting which makes your verification process questionable and unreliable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was looking at my credit report and i saw 1 account that was opened fraudulently. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CarMax, Inc.
State: GA

Complaint narrative:
My vehicle has been impounded since [ XX/XX/year> ], and I notified CarMax Auto Finance immediately to initiate voluntary repossession. I made multiple calls to inform them that I no longer had possession of the vehicle and requested they retrieve it from the impound lot. Despite this, the company has failed to act. 

I spoke with a representative and was told that the manager has not approved the impound fees, and therefore, they have not moved forward. As a result, storage fees are accumulating daily in my name, which is causing me financial harm. I am not in possession of the vehicle and have made it clear that I am surrendering it. This delay is entirely on the company. 

The vehicle is sitting untouched while CarMax delays processing, and Ive received no written confirmation or clear communication regarding resolution. 

I am requesting : Immediate repossession of the vehicle from the impound Removal of storage fees from my account Prevention of a repossession remark on my credit report Formal accountability for the companys delay and negligence I have documentation of the impound, dates, and phone logs verifying my attempts to resolve this early. Im asking the CFPB to step in before further financial damage occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The personal information on my credit report were outdated.

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