vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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:
There was a data breach in the credit bureau and my information was stolen and used on the black market.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
There was a data breach in the credit bureau and my information was stolen and used on the black market.

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 2025-07-17 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: CO

Complaint narrative:
To whom it may concern, this is in regards to XXXX XXXXXXXX XXXX XXXX # XXXX * * * I've already requested Equifax to delete an account that is too old to be on my credit report, both XXXX and XXXX  have deleted such. Your investigation into this was XXXX based and generic. you failed to not only catch discrepancies such as age of the account, but also the fact that comments and dates on it are all wrong according to the facts. This it is a violation of my rights according to the FCRA XXXX XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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 victim 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 605B 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 non-monetary relief
Consumer complaint received 2025-07-17 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: IN

Complaint narrative:
In XX/XX/XXXX, I discovered an account from XXXX XXXX listed on my TransUnion credit report that I did not open. The account was reportedly opened in XX/XX/XXXX and is now closed, but I have no knowledge of this account and never authorized or applied for any loan with XXXX XXXX. 

When I contacted XXXX XXXX, they told me that because I did not dispute the account in a timely manner, they would not provide any documentation or conduct an investigation. This response is unacceptable, as I had no knowledge of the account until recently. 

In XX/XX/XXXX, I was contacted by the XXXX Police Department and shared relevant information with them. I also submitted an identity theft affidavit via the FTC at IdentityTheft.gov. On XX/XX/XXXX, I initiated a formal dispute with TransUnion. However, TransUnion advised me to temporarily remove the dispute so my mortgage lender could complete their credit review, with plans to refile the dispute once the loan closes. 

Despite these steps, XXXX XXXX has refused to take action or provide documentation validating the debt, which is both frustrating and concerning.

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 2025-07-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
On XX/XX/year>, someone used my bank routing number for some sort of retail purchase. The money was taken from my account in the amount of XXXX to Td Bank. I have never heard of them, nor did I purchase furniture, jewelry or a car. They said they have no record an account with my name on it. They said they will file a fraud investigation on their end and my bank has filed a dispute of the charges. I have put a stop payment in place for this company. It was a direct payment from my account, not on my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: MO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rightsXXXX under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center.

regarding inaccurate and unverifiable information on my credit report ( XXXX XXXX XXXX ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: MIDFIRST BANK
State: NY

Complaint narrative:
My loan payment has gone from XXXX in XXXX to XXXX in XXXX. My expenses have increased significantly without enough increase in my salary. I have communicated hardship to XXXX XXXX  for years. All they do is increase the payment. I recently applied for a lower monthly payment due to hardship. Their response was modification with a higher interest rate and a much higher payment. I am a XXXX. I work very hard. I have an income. I simply cant afford anything higher than XXXX a month. I have triplets going to college in the Fall. I am basically the soul provider because I havent received an increase in child support in XXXX  years. My XXXX  XXXX bill is high because I lost my heating system in hurricane XXXX. I had to go with electric because they couldnt fit a new oil tank in my basement. XXXX XXXX  does not want to help customers or provide a reasonable solution for customers.

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 2025-07-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or missing disclosures — 
Company: DailyPay, Inc
State: MI

Complaint narrative:
XXXX filing this complaint because DailyPay took wages from my paycheck without proper notice or authorization. 

On XX/XX/year>, I was supposed to receive {$250.00} in wages from my employer after taxes and earlier advances. Instead, DailyPay withheld the entire {$250.00}, claiming it was repayment for a {$260.00} advance I scheduled from my upcoming XX/XX/XXXX paycheck which had not yet occurred. 

DailyPay told me that because I canceled my account and changed my direct deposit on XX/XX/XXXX, they werent sure if theyd receive the XX/XX/XXXX paycheck. So they took repayment early from my XX/XX/XXXX wages, before the debt was even due. 

I was never clearly warned this would happen, and I never consented to repayment being taken from an earlier paycheck. This left me short {$250.00} in wages I legally earned.

Worse, DailyPay is now claiming I still owe {$11.00}, meaning the {$250.00} was only partial repayment so Ive essentially lost access to two checks for the same wage advance. 

Im requesting that the CFPB investigate DailyPays : Early repayment practices when accounts are canceled Failure to disclose critical repayment terms Wage withholding without notice or legal basis I am seeking : 1. A full refund of the {$250.00} from my XX/XX/XXXX paycheck XXXX. Cancellation of the {$11.00} remaining balance 3. Written proof of where I agreed to early repayment being taken from prior paychecks if I cancel my account Ive also notified my employer and am pursuing next steps if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: GA

Complaint narrative:
- Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments.There was a time where I didnt have to make payments because I had set it up accordingly to that. I recently changed my email account and I was not aware that my payment plan has started back up. Which cause this late payment on my account which affected my credit. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to refiect their true status as on-time, as I have consistently upheld my payment obligations without delay.

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 2025-07-17 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: SC

Complaint narrative:
When I reviewed my credit report today like I usually do, I was surprised to see several discrepancies. I initially thought it might be a glitch and tried refreshing the browser, but the incorrect accounts were still there. Due to this, Im requesting that the documents Ive submitted be thoroughly reviewed so I can have peace of mind moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: PA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: WI

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

FRAUDULENT ACCOUNTS : Account Name : 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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-07-17 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: TN

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under 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 non-monetary relief
Consumer complaint received 2025-07-17 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: NV

Complaint narrative:
I sent a certified letter to Equifax on XX/XX/year> with tracking XXXX XXXX it shows the delivery date of XX/XX/year> at XXXX XXXX in XXXXXXXX XXXX The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts XXXX - {$640.00} ( account XXXX XXXXXXXX ) XXXX XXXX XXXX - {$3200.00} ( account XXXX XXXX XXXX XXXX XXXX XXXX - {$22000.00} ( account XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$1900.00} ( account XXXX XXXX XXXX XXXX XXXX XXXX - {$2300.00} ( account XXXX XXXX XXXX XXXX - {$1500.00} ( account XXXX XXXX XXXX XXXXXXXX XXXX - {$1500.00} ( account XXXX XXXX XXXX XXXX  - {$5900.00} ( account XXXX XXXX XXXX XXXX XXXX - {$930.00} ( account XXXX XXXX XXXX XXXX XXXX - {$1000.00} ( account XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ( account XXXX XXXX ) Equifax failed to respond XXXX I sent another letter on XX/XX/year> which they failed to respond once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have three accounts that are closed accounts on my report that are charge offs that still reporting late payments a late payment status after the date of being closed. I have disputed them several times to have them corrected but unfortunately was unable to recieve proper documentation to validate the account nor have any of the credit bureaus will stop the payment status from incorrectly reporting past the closed date

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 2025-07-17 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXXXX/XX/XXXX, Balance : {$7000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00}

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 explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-17 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Im extremely frustrated to see an unauthorized inquiry suddenly appear on my credit report this morning. I regularly check my report, and this time, I was shocked to find discrepancies that I cant explain. I even tried refreshing the page, hoping it was a glitch, but the issue remained. I need the documents I submitted to be carefully reviewed and this matter addressed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: EQUIFAX, INC.
State: CO

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: IL

Complaint narrative:
I am reaching out to request an investigation into these accounts due to inaccurate reporting on my credit report. Under USC 1681g, I am formally asking for their removal within 15 days. I have included all pertinent documents for your thorough review. In addition, the information related to these accounts is not only inconsistent but also incorrect across the major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
XX/XX/scrub>XXXX phone encounter. Had really bad customer experience with XXXX from fraud department. Asked for supervisor. She keeps delaying it and finally hanged up on me. Unable to reach supervisor for complaints.

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