vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: AL

Complaint narrative:
Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, results from trafficking. 1. XXXX XXXX Account Number : XXXX. XXXX. XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
To Whom It May Concern, Pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, I am formally submitting this complaint regarding fraudulent and unauthorized activity associated with the following accounts, which have been inaccurately reported on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX  Acct. XXXX XXXX XXXX XXXX Acct. XXXX XXXX XXXX XXXX Acct. XXXX XXXXXXXX XXXX Account No. XXXX XXXX Acct. XXXX XXXX XXXX Account No. XXXX XXXX XXXX Acct. XXXX These accounts were not opened or authorized by me and are the result of identity theft. Additionally, my personal information was compromised in a data breach, which may have contributed to this fraudulent activity.

In accordance with federal law, I am requesting that these accounts be blocked from my credit report within four ( 4 ) business days. I further request that all related inquiries and negative reporting associated with these accounts be removed. 

Please confirm receipt of this request and advise of any additional documentation required to process it promptly. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CUSTOMERS BANCORP, INC
State: TX

Complaint narrative:
Between XXXX XXXX XX/XX/year>, I wire transfered some $ XXXX to this account : XXXX Routing # XXXX Bank Account : XXXX XXXX XXXX  Name : XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX CA XXXX Ref # 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 2025-05-15 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: CO

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX 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. 

Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/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 2025-05-15 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:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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 have received a letter in response to my previous complaint. The letter stated that my previous request did not include valid documents and that they were illegible. I however updated everything properly and I believe that the company failed to check all of the documents I sent. The letter states ( attached ) that I should send 2 copies of two different items one from each of the 2 categories below Category 1 identification : VALID SOCIAL CARD ( ATTACHED AGAIN ) Category 2 Current address with current address : Drivers license ( ATTACHED AGAIN ) I am submitting this fraud block request yet again including all of the documents your letter requested. There shouldnt be any problem with you to process my request. So here is my request YET AGAIN THERE SHOULD NOT BE AN EXCUSE FOR YOU TO VALIDATE MY REQUEST. 


Dear Equifax, I am writing to formally request a Fraud Block under Section 605B of the Fair Credit Reporting Act ( FCRA ) for the following accounts, which are the result of identity theft and do not belong to me : 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 In accordance with 15 U.S.C. 1681c2, I am submitting the following required documentation : Proof of my identity Included A copy of my identity theft report Included Identification of the fraudulent accounts Included Above A written statement confirming that these accounts are not mine This letter serves as that statement Under this law, Equifax is required to block this fraudulent information within four ( 4 ) business days of receiving this request.

Additionally, pursuant to 15 U.S.C. 1681j ( d ), I request a free copy of my updated credit report reflecting the removal of the above accounts.

Please confirm in writing once these accounts have been blocked and my file has been updated. If you require any additional information to process this request, please contact me at your earliest convenience. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: MA

Complaint narrative:
I noticed i became a victim on 2002 when I started to get calls saying I was filling a car insurance claim I filed a police report and a few years later again police came to arrest me for some court issues that was not my mugshot it was someone else with all my personal information and I reported to social security that by social security number was being used someone and if they could change and they said no

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
These accounts were opened without my authorization and should not be on my credit report. I urge you to correct this issue by deleting them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
I specifically contacted XXXX told them to block XXXX merchant from taking money out of my account because XXXX deleted my account without my authorization but still charging my bank XXXX continued to let them take money from me XXXX need to lose there licenses and rights customers doesn't have any type of protection

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: VA

Complaint narrative:
I am writing to file a formal and urgent complaint regarding recurring inconsistencies and unexplained fluctuations in my credit reporting and score calculations. I have made consistent, documented payments, including substantial balance reductions that brought my utilization into the recommended range ( under 30 % ), yet the resulting credit score changes have been wildly inconsistent and in some cases punitive.

For example : I received a +69 point increase for a minor payment made while I was still over 30 % utilization.

Later, I made a {$780.00} payment, bringing my utilization significantly below 30 %, and only received +23 pointsa disproportionate outcome.

Even more troubling, a {$590.00} payment was followed by a 36-point drop, despite following the exact advice that is supposed to improve credit health.

This pattern is not only illogicalit is deeply concerning. It suggests that scoring metrics are being applied inconsistently and unfairly, which raises serious questions about the integrity of the algorithms being used and the possibility of discriminatory bias. As an XXXXXXXX XXXX consumer, I have every right to question whether my profile is being subjected to a different standard. 

To date, I have filed over 10 complaints with the CFPB, and none have resulted in a meaningful resolution. My concerns have not been thoroughly addressed, and the same scoring inconsistencies continue to persist. At this point, I am left with no choice but to escalate this issue beyond the CFPB.

As of today, I am taking the following actions : Filing formal complaints with the FTC and the Department of Justice Civil Rights Division Documenting this pattern in detail to prepare for potential legal action under the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ) Consulting with civil rights attorneys to assess my case for racial discrimination and economic harm This is no longer just a matter of credit scoresit is a matter of equity, fairness, and accountability. If consumer reporting agencies are using opaque, automated systems that penalize responsible behavior and disproportionately affect certain demographics, that is not only unethicalit is unlawful.

I am requesting : 1. A full audit of my recent score fluctuations across Equifax and TransUnion.

2. A written explanation of how scoring decisions were calculated in relation to my utilization changes.

3. Assurance that my credit profile is not being subjected to discriminatory scoring practices, directly or through algorithmic bias.

I am demanding transparency, fairness, and immediate correction of any practices that result in unequal treatment. If I do not receive a timely and detailed response, I will continue pursuing this through all available legal and public channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: OH

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$170.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, results from trafficking. 1. EXETER FIN Account Number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: OH

Complaint narrative:
In accordance with the fair credit reporting and XXXX  account # XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604 A section 2. it also states a consumer reporting agency can not furnish a account without my written instructions : Experian XXXX XXXX XXXX XXXX  XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Transunion : 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 2025-05-15 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: OH

Complaint narrative:
In accordance with the fair credit reporting and XXXX  account # XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604 A section 2. it also states a consumer reporting agency can not furnish a account without my written instructions : Experian XXXX XXXX XXXX XXXX  XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Transunion : XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: IL

Complaint narrative:
This account was charge off on the following date XXXX, since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. A charge off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitation. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 
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 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Continental Finance Company, LLC
State: NC

Complaint narrative:
Someone applied for and opened a XXXX XXXXXXXXXXXX credit card issued by XXXX XXXX XXXX XXXX  and serviced by Continental Finance Company in my name under a different address and phone number on XX/XX/year>. It hit my credit report on XX/XX/year>. I got an email that it was approved and being sent to an address that I do not recognize. I called my identity theft company for them to help me call that bank but they would never answer the phone I finally got hold of their fraud department and they told me that they were going to cancel the card but did not give me any documentation stating this and also told me to put in a report with the FTC so that it can try to get cleared off of my credit 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 explanation