vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: VA

Complaint narrative:
Let me be absolutely clear : I never gave this company permission verbally, in writing, or digitally to access my credit report in any capacity. I have no existing business relationship with them, I did not apply for any product or service from them, and I did not authorize them to perform a credit check. 

This is a clear violation of my privacy and a potential breach of the Fair Credit Reporting Act ( FCRA ). Under federal law, no entity is allowed to pull a consumers credit report without explicit consent or a valid permissible purpose. Since neither exists in this case, this inquiry is not just inaccurate its unauthorized and fraudulent.

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 2025-06-18 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: VA

Complaint narrative:
I'm writing to formally dispute inaccurate and damaging information that appears on my credit report issued by your agency. After thoroughly reviewing the report, I identified specific entries that are completely incorrect and require immediate investigation and removal. 

Let me be crystal clear : this information is not only incorrect, but it is also negatively affecting my creditworthiness, my access to financial opportunities, and my overall reputation as a responsible borrower. I have enclosed supporting documentation that backs up my claim. I urge you to review these documents carefully.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am writing to follow up on a matter I initially raised on XX/XX/year>, concerning Truist Bank and its client, XXXX XXXX. On XX/XX/year>, I received a call from XXXX XXXX from the CEO 's office, who informed me that efforts were underway to retrieve the funds and re-route them to my bank. However, when I followed up with XXXX XXXX on XX/XX/XXXX, I was told that the issue was no longer with Truist, as the funds had been released to their client, XXXX XXXX. 

This is in direct contradiction to my previous communication with Truist on XX/XX/year>, when I was assured that the funds were being held in XXXX XXXX ' account, pending review, and that the check had my name on it. At that time, I was also informed that XXXX XXXX was under investigation for a fraudulent transaction unrelated to my case. Despite these assurances, XXXX XXXX has consistently denied receiving the funds, and I have text messages to substantiate this claim. 

Furthermore, I submitted an XXXX form to my bank on XX/XX/year>, which was forwarded to Truist Bank . I am deeply concerned that Truist has released the funds to XXXX XXXX despite knowing that he is involved in a fraud investigation. Additionally, I believe that Truist 's handling of my case has been insufficient and lacking in transparency. XXXX XXXX communication was vague, uninformative, and dismissive of my concerns. His responses were unclear, and he did not address my requests in a satisfactory manner. 

My primary concern is why my requests to recall the funds were denied despite the knowledge that XXXX XXXX is linked to suspicious activities. The actions of Truist have caused me significant mental distress, which has contributed to the need for three different antidepressants. I am also continuing to make payments on a loan that Truist refunded to their client without coordinating with my bank, which issued the check. 

I would appreciate your prompt attention to this matter and a clear explanation of why my concerns have not been properly addressed, as well as a resolution to the situation. 

Thank you for your time and understanding. I look forward to your response. 

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 2025-06-18 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: MA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/year>, someone used my chime card for XXXX on the XXXX XXXX. I immediately requested a new card and filed a dispute with Chime. I called XXXX, who suggested I file a dispute with my bank. On XX/XX/XXXX, my dispute was denied. I called asking for the documentation regarding the reason for the dispute and was told I would get an email with in XXXX business days. I also filed a second dispute for this transaction, and wrote a letter to the dispute team, on the suggestion of the agent I was talking with. On XX/XX/XXXX, my second dispute was also denied. I called again, asking why, and was told the same thing, that I would receive an email stating why. I did finally receive an email, bit all ot had in it was what I had provided to them! A letter stating I didn't authorize the transaction, and a screen shot of the unauthorized transaction. They will not give me a reason as to why they are denying my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am a victim of identity thief ; I was in the Equifax data breech. i am trying to purchase a home and i need the accounts deleted asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violateXXXX USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: NV

Complaint narrative:
Summary of Customer Interactions with IQ Data XXXX  XXXX, XXXX  First Call ( XXXX ) : I informed the female representative that I was at work and would need to return the call later. She insisted on resolving the collections amount immediately, using a rude and unprofessional tone when I asked about payment plans or settlements. I requested to speak with another agent who could answer my questions respectfully. 

A male agent then took the call, answered my questions, and explained a risk assessment was required to determine eligibility for a payment plan. I stated I would need to continue the process later due to being at work. He insisted that resolution must occur immediately and stated payment in full was requiredno payment plan was permitted. When I asked for clarification, he cut me off and repeatedly pressured me to pay immediately without explaining. 

Second Call ( XXXX ) : I spoke with a different agent, explained my concerns about the earlier agents behavior, and requested a validation noticenone had been mailed. He refused, stating I must submit a written request. When I asked for the companys mailing address, he repeatedly interrupted, spoke over me, and threatened that they could open a credit card in my name and make a payment without my consent. I asked to be transferred ; he yelled that he was marking me as refusing to pay and then hung up. 

Third Call ( XXXX ) : The same agent from the second call answered. He stated he would not speak with me unless I provided a credit card number. He quoted an amount different from that provided by my apartment complex, claiming daily interest of 8 % had accrued over six days. I questioned how this applied when it was our first contact of the day. He refused to explain, continued to raise his voice, would not transfer me, and again withheld the companys mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: J J Marshall & Associates, Inc
State: SC

Complaint narrative:
This is account is my daughters account I moved out and she took over apartment using her own name and credit. The signature on the lease contact is fraud I never seen the form nor signed it. 

Sending all documents with proof

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
Been in foreclosure XXXX years ( started 2009 ) XXXX XXXX to XXXX XXXX I have evidence my promissory note is a copy, the signature is not mine. FDIC state they have NEVER had my loan so how could XXXXXXXX XXXX say they got it from them. XXXX years on and STILL no one is listening to me. XXXX assignments all fraud. This current company just want the {$1.00} XXXX dollar insurance payout when they finish stealing my home. Even tried to modify again through bankruptcy ... knowing I am dealing with crooks but NO they don't want to give modifications as they would not be able to collect on that big win of {$1.00} .. XXXX mill. 
This is pure robbery, and no one seems to care, XXXX and well into my late XXXX 's. I did everything XXXXXXXX XXXX asked of me, a trial modification of XXXX months turned into XXXX months. How can they ... whoever they are be allowed to put the general public through this horrible nightmare, knowing they are stealing someone's home AND without evidence of REAL paperwork and original promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: MD

Complaint narrative:
Please remove these fraudulent account due to Equifax data breach identity I am a victim of Data Breach. Please, block and delete the account within 4 business days as required by FCRA 605B15 U.S.C. 1681c2. 15 USC 1681b, I request this account be removed, I have no know knowledge. Please find ftc report attached. 

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX { Last XXXX XXXX * * * _ * * XXXX } Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Urgent Dispute of Fraudulent Accounts Due to Data Breach Identity Theft Report # XXXX Dear Equifax Dispute Resolution Team, I am writing to urgently dispute multiple fraudulent accounts that have been opened in my name and linked to my Social Security number as a result of the Equifax data breach. I have included a copy of my Identity Theft Report # XXXX ) for your reference. As a victim of this breach, I have identified unauthorized accounts that I did not open or authorize. 
The details of the fraudulent account are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accordance with 15 USC 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within XXXX ( XXXX ) business days of your receipt of this letter. Should you fail to respond adequately, I may pursue a small claims action against your agency, seeking damages of {$1000.00} per violation under 15 U.S.C. 1692k for the following reasons : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation of 15 U.S. Code 1681o Violation of 15 U.S. Code 1681n ( b ) ( Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681b ) Violations under 15 U.S. Code 1681c Violation of 15 U.S. Code 1681a ( 4 ) ( Right to privacy ) Under 15 U.S.C. 1681 ii ( 7 ) ( Method of verification ) Thank you for your urgent attention to this critical 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 explanation
Consumer complaint received 2025-06-18 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:
I am writing to formally dispute and request the removal of a federal student loan account from TransUnion, based on an apparent violation of my rights under the Privacy Act of 1974 ( 5 U.S.C. 552a ). 
Recent reports confirm that XXXX XXXX so-called Department of Government Efficiency ( DOGE ) gained access to Department of Education systems housing borrower data, including personally identifiable information ( PII ) such as Social Security numbers , income, and citizenship status. Upon review of all relevant System of Records Notices ( SORNs ) and routine use disclosures, I found no mention of DOGE as an authorized party. Therefore, this access appears to be unauthorized and in violation of federal law. 
Under the Privacy Act : Unauthorized disclosure of records without consent or lawful routine use constitutes a violation. 
Individuals have the right to request amendment or removal of information that was accessed or maintained unlawfully.

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 2025-06-18 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:
This is a formal notice disputing fraudulent accounts that appear on my credit report. I never applied for or approved these accounts, and I demand their immediate removal in compliance with 15 U.S. Code 1681g. Supporting proof is included.

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 2025-06-18 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: CA

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX XXXX 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 AND XXXX. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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