vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-09-05 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: CA

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$3900.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Peer Advisors, LLC
State: VA

Complaint narrative:
My mother passed away XX/XX/XXXX. She had a reverse mortgage on her home. Myself and two brothers put her house up for sale, when we got a contract the people handling the closing asked me to get an updated payoff from XXXX. They sent me and the people handling the closing a statement saying she owed {$83000.00}. We closed on the house XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX at Law stating Compu-Link made a mistake and the payoff should have been {$270000.00} and that I should send them {$190000.00} in certified funds within three days. This is totally their mistake and we should not be responsible. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: CA

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXXXXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$840.00} XXXX XXXX - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: CO

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
They call all the time. I refuse to answer personal questions and they will not tell me who their are and what they want. I do know it is a collection agency. They keep calling me for the past 5 years. I want it to stop everything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am filing this complaint against Experian for willfully failing to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>2025, I submitted a formal written dispute requesting an investigation into inaccurate information on my credit report. To meet identity verification requirements, I enclosed all necessary documents, including my government-issued photo ID, Social Security card , and a recent W-2 reflecting my current address.

In my dispute, I specifically requested that Experian provide detailed information regarding its verification process, including : - The method used to verify the disputed item - The date Experian contacted the creditor and furnisher - Contact information for both the creditor and the furnisher - The name of the individual who verified the item - The communication method used ( e.g., phone, email, mail ) - Confirmation of whether any sensitive personal datasuch as my Social Security Number, address, and date of birthwas shared during the verification process. 
On XX/XX/year>2025, I received an email from Experian stating : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' This response is unacceptable and constitutes a blatant violation of my rights under the FCRA. The law requires Experian to conduct a reasonable reinvestigation of any disputed items in a consumers file. Despite receiving sufficient proof of my identity and a clear, lawful request, Experian refused to investigate. This failure to act demonstrates willful noncompliance with its statutory duties. 
As evidence, I am providing a copy of my original dispute letter and Experians response.

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 2025-09-05 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: TX

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-05 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:
I am submitting this complaint with absolute certainty and deep frustration. My credit report contains multiple errors that I can no longer overlook, as they have been severely damaging my credit score and preventing me from achieving financial stability and independence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-09-05 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:
I am submitting this complaint on my own behalf regarding disputed late payments that have appeared on my credit record. Upon conducting a thorough review of my credit report, I discovered these questionable late payment entries that do not align with my actual payment history. Despite sending formal dispute letters to the creditor over 30 days ago, I have not received any response or adequate validation of these disputed items. The creditor 's failure to provide satisfactory documentation or verification of these late payments violates my consumer rights under federal credit reporting laws, and I am requesting your assistance in resolving this matter through proper investigation and correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: Giggle Finance Inc.
State: IN

Complaint narrative:
To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXXXXXX D.C. XXXX Subject : Formal Complaint Forged XXXX by Giggle Finance on XX/XX/scrub> 2025 To Whom It May Concern, I am submitting this complaint to formally report a case of financial fraud involving a forged e-check that was unlawfully processed against my bank account by Giggle Finance on XX/XX/year>2025 in the amount of {$150.00}. 

Company Information : Giggle Finance XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, FL XXXX Immediately upon discovering this unauthorized transaction, I took the following actions : 1. Filed an Affidavit of Forgery with my bank. 
XXXX. My bank confirmed the item was indeed a forgery and required me to close my account as a result. 
XXXX. The affidavit was submitted through XXXX, a subsidiary of XXXX XXXX XXXX, which is managing the matter on behalf of my financial institution. 
4. I also filed a police report documenting this fraud. The police report number is : XXXX. 

This fraudulent transaction has caused me significant hardship, including the closure of my bank account and the disruption of my financial stability. I am requesting the CFPBs assistance in : Investigating Giggle Finance for their role in processing or initiating this forged transaction. 
Ensuring that I am not held financially responsible for this unauthorized e-check. 
Providing oversight to confirm that my rights under federal consumer protection laws are upheld. 

Please advise me on any additional documentation or information required to assist in your review of this matter. I am prepared to submit copies of my affidavit, police report, and related correspondence. 

Thank you for your time and attention. I respectfully request written acknowledgment of this complaint and updates on any actions taken. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-09-05 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair for me. Please investigate this and fix it. I'm really sick and tired of this. Should there be any updates on my inquiries. I'm gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: TX

Complaint narrative:
TransUnion has not removed the negative and incorrect information off 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
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/scrub>, 2025, my Target XXXX was fraudulently used for an online purchase of {$310.00}, which was picked up in-store by someone else. Of that total, {$100.00} was charged to my Target gift cards, and {$210.00} was charged to my Target XXXX. 

I immediately reported the fraud to Target and submitted all requested documentation. Target refunded the {$100.00} gift card portion quickly. However, for the {$210.00} XXXX charge, Target required me to pay the amount first while they conducted an investigation.

Target told me the investigation would be completed within 90 days. It has now been over 100 days ( as of XX/XX/scrub> 2025 ). When I called today, I was told to wait another two weeks, with no assurance of resolution even then.

I believe Targets handling is unfair because : 1. They required me to pay the disputed fraudulent amount upfront.

2. They have exceeded their own 90-day timeline.

3. They have not provided any clear resolution process or timeline beyond additional delays. 

I am seeking a full refund of the {$210.00} charged to my XXXX, removal of any related interest/fees, and confirmation that my account will not be held responsible for this fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX regarding a missing referral reward that was promised but never delivered. 

On XX/XX/scrub> 2025, I signed up for a XXXX  account using a referral link. I completed the requirement by trading {$100.00}. On XX/XX/year>2025, I received an email from XXXX  confirming that I had earned the {$75.00} referral bonus, which was supposed to be credited 30 days after my sign-up date. 

Despite meeting all the conditions, the reward has not been credited. It has now been 41 days since my sign-up, well past the promised time frame. 

I have opened multiple support tickets ( Ticket ID : XXXX ) with XXXX  regarding this issue. Each time, XXXX  representatives assured me they would follow up, but they never provided a resolution or response. 

I am requesting that XXXX immediately credit the missing {$75.00} referral reward to my account as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-09-05 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: AZ

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation