vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My credit report has unauthorized accounts resulting from a data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please 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 Address : XXXX XXXX XXXX XXXX TN 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 XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX 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 : {$110.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} Inquiries XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX 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 2025-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Due to unauthorized activity stemming from a data breach, fraudulent accounts now appear on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please 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 Address : XXXXXX/XX/XXXXXXXX XXXX NY XXXX Please delete and block the following accounts from my credit report AccountsXX/XX/XXXX - Account Number : XXXXXX/XX/XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00XX/XX/XXXXAccount NumberXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XX/XX/XXXX - Account Number :XX/XX/XXXXDate Opened : XX/XX/XXXX, Balance : {$03.00} Inquiries XX/XX/XXXX Date : XX/XX/XXXX XXXXXX/XX/XXXX Date : XX/XX/XXXXXX/XX/XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXX/XX/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 2025-06-06 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: TX

Complaint narrative:
I did not open or authorize these accounts, and it is unjust for me to be held responsible for them. I request immediate action to resolve this issue.

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 2025-06-06 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: EQUIFAX, INC.
State: NH

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 response to consumer: Closed with non-monetary relief
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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: PulteGroup, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Pulte Mortgage due to their failure to comply with federal mortgage disclosure timing and the severe disruption caused to my scheduled home closing. 

I locked my rate on a XXXX XXXX ARM at 5.25 % and was scheduled to close on XX/XX/year>. I followed up with my loan officer more than a week prior to confirm that the I need Closing Disclosure ( CD ) for review. 

Despite my proactive outreach, Pulte Mortgage failed to issue the CD in time. I was later told that my loan officer and their leadership was unaware of the 3-day CD rule until compliance team rejected it the day before closing, which is a basic regulatory requirement. This failure caused the entire closing to be delayed through no fault of my own. 

As a result of the missed closing : I incurred significant financial hardship, including moving complications, furniture delivery issues, and being unable to move into the home on time Tenants were scheduled to move into my current residence, leaving me in a housing crisis Family members had traveled for the scheduled closing and were disrupted Pulte Mortgage admitted the error and offered a {$5000.00} compensation, which I accepted under pressure to avoid further delays or housing insecurity. However, this amount does not come close to the financial and emotional losses I experienced, and I only proceeded with closing to avoid further personal hardship. 

I had negotiated over {$27000.00} in credits from the seller and realtor, which were applied toward closing costs. In addition to my 10 % down payment, I was unexpectedly asked to pay more at closing due to errors that were entirely on Pultes side.

I am requesting that the CFPB review this case for : Failure to issue a timely CD under TRID rules Lack of proper communication and regulatory awareness by licensed mortgage staff Insufficient financial remediation for the resulting harm Pulte Mortgages actions reflect a breakdown in compliance, customer care, and legal responsibility and I believe a formal investigation is warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
What happened : In XXXX, XXXX XXXX XXXX XXXX was assigned two credit card accounts from Citibank ( ending in XXXX and XXXX ). I submitted formal debt validation requests for both accounts on XX/XX/XXXX, and again on subsequent dates ( XX/XX/XXXX and XX/XX/XXXX for XXXX ; XX/XX/XXXX for XXXX ). These disputes were made under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ).

Despite never receiving full and proper validationincluding a complete account history, charge-off info, and an itemized breakdownXXXX XXXX continued collection activity. They issued collection notices and eventually transferred both accounts to law firms : XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX ). Both firms began pursuing legal action and threatening collection while the debts were still in dispute. 

On XX/XX/XXXX, I sent XXXX XXXX a certified follow-up letter detailing the violations and requesting corrective action. It was received XX/XX/XXXX. No response was received. 

XXXX XXXX violated FDCPA provisions by continuing to collect and transferring the disputed debts without validation. Their inaction and the downstream legal threats have caused unnecessary stress, confusion, and harm. 

I am requesting enforcement action, deletion of the tradelines, and acknowledgment of the FDCPA violations.

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 2025-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Every day for the past year I have been harassed with unknown phone numbers who never leave a message. If I answer I get a representative who can't help discuss this issue. I have talked to various personnel from Commenity Bank in the past year and they were unable to help. The last conversation I stated that I would like them to send this problem to a collection agency. They continue to call everyday and usually 4 times a day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/year> I created an online account which provided me access to my student loans services by MOHELA. To my surprise, I discovered that my accounts were reported delinquent, despite the fact that I never received any notices or monthly statements regarding the status of my accounts via mail or e-mail. I have not never signed up for paperless communication, or paperless monthly statements and despite all this, MOHELA claims that they are not in the wrong, as long as they sent the notification into allegedly " my account '' which I did not even had access prior to XX/XX/scrub>XXXX XXXX The last communication received from MOHELA prior to XX/XX/year> was a letter dated XXXX XXXX while I was still in school. I immediately called MOHELA and spoke to an advanced agent name XXXX. As I explained to XXXX, the lack of communication from MOHELA and the fact that I did not receive the monthly statements for my loan, I also explained to her that as a new graduate in the current economic environment, I was unable to find any job until XX/XX/year> when I was finally able to get hired on a job position that provides me with under $ XXXX after taxes. Despite the stressful financial situation, I was willing to pay right then over the phone, and clean up my account, but the agent ( XXXX XXXX explained to me that they will update the account and place it under forbearance which will bring the account current and resolve the late payments reported to the credit bureaus with the next reporting which should be by XX/XX/year> when they usually report to the 3 credit bureaus. 
On XX/XX/year> I called MOHELA to inquire about them not updating the account with the credit bureaus and I was told by the agent who took my call that it may take another couple of days. 
On XX/XX/year>, I called MOHELA again and the current agent stated that the account status will eventually be updated as current, since the forbearance took care of the past months but they will not remove the late payments reported prior to the credit bureaus. He stated that although legally my account is current and in good standards, and the forbearance postponed any prior payments on my account, they will not do any so called " good will '' reporting, and that MOHELA will not remove the late payments reported to the credit bureaus during the forbearance period. Technically, if the forbearance is in place and is postponing the payments during temporary hardship, any reporting for that period of time while the account was under forbearance should clearly show no late payments since no payments were legally due and, thus MOHELA should remove the late payments reported prior as it falls under the forbearance rules. 
I will be attaching the fobearance letter I have received as well as the first paymnt statement which shows no amount past due.

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: EQUIFAX, INC.
State: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXXXX/XX/XXXXXX/XX/XXXX -- {$0.00} XXXXXX/XX/XXXX XX/XX/XXXX -- {$0.00} XXXXXX/XX/XXXX-- {$8100.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- {$0.00}

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing regarding fraudulent accounts resulting from a data breach that has affected my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block 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 TX XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00XXXX XXXX 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 : {$1400.00}

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT 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 non-monetary relief
Consumer complaint received 2025-06-06 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 RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

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

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

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

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Subject : Formal Complaint Unauthorized Hard Inquiries in Violation of 15 U.S.C. 1681b ; Demand for Wet Signature Validation and Immediate Deletion Dear CFPB Officer, This is a formal and urgent complaint against multiple unauthorized hard inquiries that have been recorded on my credit file without my knowledge, consent, or legally required authorization, in direct violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ).

These inquiries were made without a permissible purpose, and the entities involved have failed to produce a copy of a signed authorization ( wet signature ) permitting them to access my consumer report. 

B. Unauthorized Hard Inquiries DEMAND FOR DELETION The following hard inquiries were not authorized, and I have never applied for credit or initiated any transaction that would justify these access attempts : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX LIGHTSTREAM  XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX These parties must provide proof of my written consentspecifically, my wet signaturefor each inquiry. Absent such documentation, these inquiries are illegal and constitute an impermissible access of my consumer file.

Federal Law Violations : 15 U.S.C. 1681b ( f ) prohibits any person or entity from obtaining a consumer report without a permissible purpose and proper authorization.

No permissible purpose exists under law for these inquiries as I never applied for credit or services with these entities. 

The failure to maintain or provide a signed authorizationespecially in light of my formal disputeis a breach of duty under FCRA and a serious privacy violation. 

Continued reporting of these unauthorized inquiries without the ability to validate them using my original signature will be treated as willful noncompliance and referred for further action. 

Requested Relief : I respectfully demand that the CFPB : Require all credit bureaus to delete the above inquiries immediately from my credit reports. 

Require each furnishing party to either produce a signed application bearing my wet signature or submit a formal retraction of the inquiry. 

Investigate these violations and initiate enforcement actions where applicable. 

If these unauthorized inquiries are not deleted within 30 days, I will escalate this matter with formal complaints to the FTC, State Attorney General, and, if necessary, file a civil action for willful FCRA violations. 


Thank you for your immediate attention to this serious privacy and credit violation. I look forward to your prompt response and resolution. 

Sincerely,

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 2025-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unf
air and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation