vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am a victim of identity theft, and my personal information was used without consent to create accounts that were later assigned to third-party collectors. I have no contractual relationship with these collectors. The credit reporting agency has failed to block these items despite my submission of an FTC Identity Theft Report, proof of identity, proof of address, and detailed statements. This violates the Fair Credit Reporting Act 605B, which requires removal within 4 business days, as well as 611 and 1681e ( b ) regarding maximum possible accuracy. I am seeking immediate enforcement of my rights and deletion of all fraudulent accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft, and my personal information was used without consent to create accounts that were later assigned to third-party collectors. I have no contractual relationship with these collectors. The credit reporting agency has failed to block these items despite my submission of an FTC Identity Theft Report, proof of identity, proof of address, and detailed statements. This violates the Fair Credit Reporting Act 605B, which requires removal within 4 business days, as well as 611 and 1681e ( b ) regarding maximum possible accuracy. I am seeking immediate enforcement of my rights and deletion of all fraudulent accounts and inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: Zions Debt Holdings
State: TX

Complaint narrative:
I am a victim of identity theft, and my personal information was used without consent to create accounts that were later assigned to third-party collectors. I have no contractual relationship with these collectors. The credit reporting agency has failed to block these items despite my submission of an FTC Identity Theft Report, proof of identity, proof of address, and detailed statements. This violates the Fair Credit Reporting Act 605B, which requires removal within 4 business days, as well as 611 and 1681e ( b ) regarding maximum possible accuracy. I am seeking immediate enforcement of my rights and deletion of all fraudulent accounts and inquiries.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I 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 {$390.00} UNAUTHORIZED INQUIRIES 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 2025-08-10 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: SC

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under XXXX U.S.C. XXXX ( a ) ( XXXX ) of the Fair Credit Reporting Act ( XXXX  ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXX timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-08-10 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: WA

Complaint narrative:
I am disputing multiple hard inquiries that appear on my credit report without my authorization or permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

I recently reviewed my credit report and identified one or more hard inquiries that I did not authorize. Specifically : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Under the FCRA, a hard inquiry may only be made with my written authorization or for another legally permissible purpose. I have never applied for credit or otherwise provided authorization to these companies for these inquiries.

I disputed these inquiries directly with the credit bureau ( s ), but they failed to provide proof of my authorization, a copy of any signed application, or documentation showing permissible purpose. Instead, they allowed the inquiries to remain, despite not verifying them with original source documentation. 

This is a violation of : FCRA 604 ( a ) Permissible purposes of consumer reports.

FCRA 611 Failure to conduct a reasonable investigation of disputed information.

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 2025-08-10 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: WA

Complaint narrative:
I am disputing multiple hard inquiries that appear on my credit report without my authorization or permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

I recently reviewed my credit report and identified one or more hard inquiries that I did not authorize. Specifically : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Under the FCRA, a hard inquiry may only be made with my written authorization or for another legally permissible purpose. I have never applied for credit or otherwise provided authorization to these companies for these inquiries.

I disputed these inquiries directly with the credit bureau ( s ), but they failed to provide proof of my authorization, a copy of any signed application, or documentation showing permissible purpose. Instead, they allowed the inquiries to remain, despite not verifying them with original source documentation. 

This is a violation of : FCRA 604 ( a ) Permissible purposes of consumer reports.

FCRA 611 Failure to conduct a reasonable investigation of disputed information.

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 2025-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/year>, I discovered that Equifax added a new collection account from " XXXX XXXX  '' for {$1500.00}, allegedly owed to " XXXX XXXX XXXX XXXX, '' date assigned XX/XX/year>. I have never had any account, contract, or obligation with this creditor. This is the result of identity theft. 
I submitted a valid FTC Identity Theft Report, government-issued ID, proof of address, and a sworn statement to Equifax, fully satisfying FCRA 605B requirements for blocking of fraudulent information. Under federal law, Equifax is required to block this information within 4 business days of receipt. Instead, they have continued to publish the account, in violation of FCRA 605B ( a ) and 623 ( a ) ( 6 ). 

I have already notified the furnisher and the credit reporting agency. Both parties have continued to report this fraudulent debt after being provided with clear documentation. This is willful and negligent noncompliance with the FCRA, subject to civil liability under 15 U.S.C. 1681n and 1681o. 

I am requesting that the CFPB order Equifax to : Permanently delete and block this fraudulent account from my credit file ; Provide written confirmation of the deletion ; Investigate the repeated violations of federal law by Equifax and the furnisher. 
This inaccurate reporting has already caused significant harm, including a XXXX drop in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
II am writing to formally request validation of a debt you claim I owe, which was last reported on XX/XX/year>, in the amount of {$690.00}. I believe your company has listed this debt on my credit report under the name Portfolio Recovery A.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: MD

Complaint narrative:
I am filing this complaint to demand accountability for the blatant disregard of my rights by the credit bureaus, who have willfully ignored their obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, Section 605B. As a documented victim of a data breach, with proof of compromised personal information, I provided the required evidence and formal identity theft report to have fraudulent entries removed from my credit file. Despite my compliance, the bureaus have refused to block the inaccurate information, resulting in severe damage to my financial standing and personal reputation. This is a clear and unlawful violation of consumer protections, and I demand immediate corrective action by the Consumer Financial Protection Bureau ( CFPB ). If these egregious violations are not addressed promptly, I am fully prepared to initiate litigation to hold the bureaus accountable and recover full damages for the harm inflicted upon me.

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 2025-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Netspend Corporation
State: VA

Complaint narrative:
I used ace check cashing to cash a check from insurance from the death of my mother, at which time they put the money on a XXXX XXXX I was allowed to spend money for a day and by the end of the first day and the account was being closed. I was giving no notice no warning no options, I found out the next day that the money would be put on a paper check and sent back to me. I asked the guy I was talking to you know here I'm used this place to cash my check and they charged me {$200.00} and then put the money back on a check, it's not right. Here they are messing with my money without my permission moving it around and doing whatever and have the audacity to say the way I was spending set off red flags in their security. No, I was spending money that my mom left me however I saw fit. They never attempted to contact me or anything. I was blocked the same day I opened the account from withdrawing money and when I called to find out why I was being blocked they tell me to send them copies of my id. A few hours later, they have made a decision to close the account and send me a check. I mean I did everything they asked and they still closed my account, the money I spent cashing the check {$200.00} by the way, was never offered to be returned and I was left on the phone ignored when I called the customer service place back to find out what was going on.

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 2025-08-10 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: SC

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under XXXX U.S.C. XXXX ( a ) ( XXXX ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXX timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ, XXXX XX/XX/year> To Whom It May Concern, The following account remains on my credit report despite my previous dispute. I still disagree with the reporting and am requesting an immediate reinvestigation. This information is harming my credit and must be corrected or removed. 

Account Name & Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Enclosed : Drivers License Social Security Card Proof of Address Furthermore, in accordance with The Fair Credit Report Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please also send me the name and business address of the entity that verified this information and provide an updated copy of my credit report when the investigation is complete. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: OH

Complaint narrative:
I had gotten into situation around XX/XX/year> where my car broke down and I needed to fix it to keep my job. I got desperate so I started looking on how to get a loan online to fix my car. I got denied like 4 times but then this minto money company sent me. Email when I was getting denied for loans so I clicked on it and followed the process. I honestly thought I was gon na pay it in a week like I told them cause I already complained to them about the Document the interest was like 660 % but they said if I pay it in a week I would be fine but I also had to wait for my paycheck. Because I couldn't cancel it in 3 days I got stuck with the loan cause I was a few XXXX off every week. Now I can't keep up and I feel like this is illegal they gave me a loan knowing I didn't even have a job technically. I told my bank fo cancel them from taking my money cause it dont seem right. I also finally missed one payment and they charged a expensive late fee that wasn't discussed in the loan document

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Friday XX/XX/XXXX While on vacation in XXXX XXXX, NM : Discovered by happenstance that my business operating account, account # ending in XXXX, XXXX XXXX, XXXX, was overdrawn by {$760.00}. 

Discovered check # XXXX had been cashed for the amount of {$8000.00}. I did not write this check. The person to whom it is made out to is illegible.

Immediately called Chase Fraud Department XXXX XXXX XXXX XXXX XXXX XXXX - fraud dept Informed me : Check # XXXX cashed at a XXXXXXXX XXXX Chase needs to know if the physical check is still in check book I do not know. I am on vacation. XXXX advised me that time was crucial and I needed to get the answer ( as to if I had the physical check ) back to him ASAP. 

XX/XX/XXXX I sent someone to my house in XXXX XXXX to look at the physical check book. 

Spoke to claims rep & escalated to supervisor : XXXX XXXX XXXX # XXXX check # XXXX is missing from checkbook. 
Check was written & signed by me on XX/XX/XXXX for {$75.00}. 
Check was made out to a business colleague, " XXXX XXXX '' for office space sublease. 
Mailed XX/XX/XXXX from XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX inside a greeting card that also had a XXXX gift card for {$25.00} inclosed. 

This check was never received by its intended recipient. Instead it was cashed in the amount of {$8000.00}. ( instead of {$75.00} ) by a name I can't read & don't recognize. 

XXXX informed me that she could not file a claim for me until I signed a form called Declaration of an Unauthorized Endorsement or Altered Item form.

I asked that this form be emailed. She denied the request. 
I asked this form to be sent overnight. She denied the request.

I asked this form be faxed to me. She denied the request.

I asked if this form was located on the Chase website or somewhere on the internet. She denied. 

XXXX informed me that the only way I could obtain this form was for her to mail it to me via regular mail. It would take 7-10 business days to receive the form. She also told me I could try to get this form emailed to me from a local Chase branch. If I had a relationship with my local branch officer. '' ( I do not. ) Chase has no problem overnighting a credit card to me. If I was taking out a loan from Chase, they would have no problem sending the docs for me to electronically sign.

Chase is creating deliberate barriers to delay refunding me {$8000.00}. BTW : That check looks very suspicious. I can't believe any bank would ever cash that check. It should have never been cashed in the first place. Clearly it has been altered. 

Meanwhile, not only do I not have access to my money, I also have been charged an overdraft fee. I am not going to meet the minimum balance, so I will face additional monthly charges for not meeting a minimum balance of {$8000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-10 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-08-10 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: GA

Complaint narrative:
1. XXXX XXXX XXXX account from has reported inaccuratley for 27 months on XXXX, Equifax, and TransUnion who has also played a part in reporting the inaccurate information and has refused to provide their method of verification of names adddress, phone number and the specialist who continues to falsely report. 


Because of the inaccurate reporting it has caused me, denied credit and much higher interest rates. 

I've suffered from XXXX XXXX  and reputational harm. -- -alot of out-of-pocket expenses that incurred disputing the inaccuracies. 

XXXX reports to the different reporting agencies : XXXX, Equifax and Transunion either closed or open forthe past 27 months on a full termination of the loan and XXXX  monthly payment loan.

Company response to consumer: Closed with explanation