vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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:
I am a victim of identity theft. I am writing XXXX request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information XXXX obtain loans XXXX credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me XXXX block this information from my credit report. Thank you.

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 2025-05-03 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: OH

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have been battling ID Theft for the last XXXX  years. The most significant issue is these individual keep changing the phone number on the fraud alert notice from my phone number to their phone number by calling into the bureaus. Then the group proceeds to unfreeze the account and begin submitting loan applications. 

This has been ongoing for XXXX  years with all XXXX credit bureaus. I've asked many times for more protection. I've mentioned the use multi-factor authentication or some other method ( other than my personal information ) before making any changes to my account. This has fallen on deaf ears so far. 

If all XXXX bureaus would close this loophole, it would shut down the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I open this account had it for XXXX months lost card they said they sent it never received. It kept getting bills on it. Let them know. Ive lost the card. They said that reset another one didnt get it then I get this big bill.There is a report on a XXXX XXXX on using my credit. This may be XXXX of the cards that he used also.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: MI

Complaint narrative:
XXXX  XXXX {$340.00} XXXX XXXX {$300.00} XXXX XXXX {$2000.00} XXXX XXXX  {$3300.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX  XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX  XXXX {$15000.00} 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 2025-05-03 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: MI

Complaint narrative:
XXXX  XXXX {$340.00} XXXX XXXX {$300.00} XXXX XXXX {$2000.00} XXXX XXXX  {$3300.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX  XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX  XXXX {$15000.00} 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 2025-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I selected my wife XXXX XXXX ( now XXXX ) from my previous recipients. They money went to another account with which I've never interacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to formally file a complaint against Equifax Information Services LLC for failing to comply with the Fair Credit Reporting Act ( XXXX  ) XXXX ( XXXX U.S.C. XXXX ), which requires consumer reporting agencies to block fraudulent information on a consumer credit file resulting from identity theft within XXXX ( XXXX ) business days of receiving proper documentation. 

I submitted a written request to Equifax identifying multiple fraudulent accounts that appeared on my credit report, requesting they be blocked as required by law. The accounts in question are : XXXX XXXX XXXX, IN Account Opened : XX/XX/year> Partial Account Number : XXXX XXXX XXXX XXXX, IN Account Opened : XX/XX/year> Balance : {$680.00} Nature of Account : Medical Collection These accounts were not opened, authorized, or initiated by me. They are the result of identity theft. I have never had any dealings with XXXX XXXX XXXX, IN. Despite providing Equifax with a formal request and the appropriate supporting documentation, including : A copy of my FTC Identity Theft Report ( # XXXX ), A copy of my government-issued ID, and Equifax has XXXX to block or remove the fraudulent information from my credit report within the timeframe required by law. Their inaction has allowed these false accounts and associated negative reporting ( including hard inquiries and derogatory collections ) to remain on my file, causing harm to my creditworthiness and violating my rights as a consumer. 

I am requesting the CFPB to investigate XXXX failure to meet its legal obligations under FCRA XXXX and to take appropriate enforcement action. 

Thank you for your time and assistance. Please contact me if any further information is needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Subject : Predatory Auto Sales Practices, Deceptive Tactics, and Unconscionable Loan Terms by XXXX XXXX XXXX To Whom It May Concern, I am filing this complaint regarding a XXXX XXXX XXXX XXXX purchased approximately XXXX year and XXXX months ago, XX/XX/XXXX. XXXX XXXX XXXX. This transaction involved deceptive practices, high-pressure sales tactics, exploitation of vulnerable consumers, and resulted in unconscionable loan terms and ongoing vehicle issues. 
Background and Exploitation of Vulnerability : At the time of purchase, my family was under extreme duress. My mother-in-law had just found out she had XXXX XXXX and required reliable transportation for medical appointments located XXXX minutes away. Compounding this, she had recently been defrauded out of her home and possessions by her deceased partner 's family, tricked out of her own vehicle, and subsequently abandoned in XXXX by a friend, leaving her displaced and emotional/financial upside down. We informed the dealership staff, including our initial contact XXXX, about these sensitive circumstances and our urgent need for a reliable vehicle. We also disclosed known XXXX  and mental health challenges faced by myself, my wife, and the co-signer. We believe XXXX XXXX XXXX, particularly the closer XXXX, knowingly exploited our vulnerability and limited car-buying experience ( this being only our XXXX  vehicle purchase ). 
Deceptive and High-Pressure Sales Tactics : * Initial Promises : Before visiting the dealership, we were led to believe terms would be reasonable. We discussed a trade-in- {$3500.00}, a down payment- {$500.00}, and employment perks- {$5000.00} ( XXXX ), none of which were honored in the final deal. 
* Bait-and-Switch : Upon arrival, we were passed from XXXX to a high-pressure closer named XXXX. Despite a large inventory, including cheaper vehicles, we were told we qualified for only XXXX specific car : the XXXX XXXX XXXX. 
* Unconscionable Terms : We were presented with a 29 % interest rate, which XXXX claimed was the " best they could do, '' and a month

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ACIMA CREDIT, LLC
State: MD

Complaint narrative:
Acima is charging me over {$7000.00} for furniture That I purchased but the amount of the furniture was only {$3500.00} their saying that I'm renting it I was under the impression that I just buying it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Sent a letter denying a credit card I never applied for

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 2025-05-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: CO

Complaint narrative:
Im writing to file a complaint against Sallie Mae regarding my private student loan. I have explained to them that I am currently facing significant financial hardship and can not afford payments, yet they are refusing to offer me any forbearance or deferment. They have also informed me that my loan will be reported to the credit bureaus on XX/XX/XXXX, which will negatively impact my credit. 
My hardship is not just financial but personal and ongoing. In XXXX, my family experienced major upheaval after discovering XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My father had been living on XXXX due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My mother became XXXX during XXXX and has been denied Social Security twice, with another appeal currently underway. 
Since my father moved out, Ive been helping with household bills while also trying to keep us afloat. We recently sold our family home, and I moved my mom and me into a smaller house with help from a co-signer ( XXXX XXXX XXXX XXXX ) since I couldnt qualify for a mortgage on my own. I was working a low-wage job and just started a better-paying position in XX/XX/XXXX, but came in mid-pay period, so I havent caught up yet on expenses. 
I have no more savings left, and my paycheck only covers the mortgage and some bills. Despite all this, Sallie Mae has denied me any payment relief or flexibility, even though I receive emails that say, " we will work with you. '' It is a complete lie. I am doing everything in my power to remain responsible and keep from going delinquent, and I believe their refusal to provide any hardship options is both unfair and damaging. I am struggling in this economy and trying to take care of my family after experiencing the worst few years of my life. It makes me wish I never went to college and focused on working, and when I call them, they are very degrading and make me feel worse. Im requesting that Sallie Mae offer a short-term forbearance or reduced-payment plan and delay any credit reporting while I stabilize financially. I hope the CFPB can help facilitate a resolution before lasting credit damage occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Midland Credit Management Account XXXX XXXXXXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " certified mail '' with receipt displaying my signature. If not please delete account XXXX XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One is reporting me late for my XX/XX/year> payment. Ive provided receipts of that payment within a timely manner which I will attach to this complaint. I just got the results of the investigation from experience and theyre not updating that to pay on time theyre still reporting me late and I am also attaching a before and after reports of investigation, they need to update this because the the payment was made, and it was made in a timely manner. Its not 30 days late. It was pay cash, and I have the receipt at the Kohls location in XXXX, despite providing proof of payment, they are not updating the information which has greatly affected my final scores and drop them a great deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: NC

Complaint narrative:
After carefully reviewing my credit reports from Experian, TransUnion, and Equifax, I discovered an alarming number of unauthorized hard inquiries around 74 entries for which I never gave any form of consent or authorization. I did not apply for credit with these entities, and I did not permit any third parties to access my credit profile. 
These inquiries constitute a direct violation of my privacy rights and a serious breach under the Fair Credit Reporting Act ( FCRA ). The excessive number of inquiries is not only damaging my credit profile and reputation but also making it increasingly difficult for me to provide for my family and secure future financing. I have suffered emotional distress and financial harm as a result. 
These actions appear to violate several key provisions of federal law : 15 U.S.C.1681b ( f ) : Prohibits any person from obtaining a consumer report unless they have a permissible purpose and proper authorization. These inquiries were made without my knowledge or consent and therefore lack a lawful basis.

15 U.S.C.1681c-2 : Grants consumers the right to block information resulting from identity theft. I assert that these inquiries were made without my authorization and may be linked to fraudulent activity or gross procedural misconduct.

15 U.S.C.1681d : Requires specific, written authorization before investigative consumer reports can be procured. I demand production of such written consent for each of these 74 inquiries.

15 U.S.C. 1681e ( a ) : Requires credit reporting agencies to adopt reasonable procedures to protect the confidentiality, accuracy, and relevance of information furnished. Allowing unauthorized access violates I am formally requesting that the CFPB open an investigation into this matter, and that Experian, TransUnion, and Equifax be compelled to : Provide written proof of my authorization for each of the 74 hard inquiries listed on my credit reports. 


Immediately remove all unauthorized and unverified inquiries that lack documented consent or permissible purpose. 


Implement procedural safeguards to prevent future unauthorized access to my consumer file. 


Provide a written statement confirming the completion of this investigation and detailing the corrective actions taken. 


If these inquiries are the result of identity theft or unauthorized access, then under the FCRA, they must be blocked from my report immediately upon request and proof of identity.

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 2025-05-03 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: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
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 non-monetary relief
Consumer complaint received 2025-05-03 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: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
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 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 2025-05-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Theres a lot of charges that I did not owe towards the apartment. I moved out XX/XX/XXXX at XXXX, and theres a lot of charged from after that, and the rent from XXXX that I did not live in.

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 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime Bank has stolen over XXXX $ from my account and isnt trying to return it everytime I call them they tell me something different.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XX/XX/year> Equifax information services llc XXXX XXXX XXXX XXXX, ga XXXX Identity Theft Affidavit and Request for Permanent Removal of Incorrect Information under 15 U.S.C. 1681c-2 ( FCRA 605B ) Dear equifax information services llc I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request.

Enclosed, please find the following supporting documentation : 1. copy of my credit report 2. Copy of my FTC report 186866285 3. copy of identification I am requesting that you block and remove the fraudulent account and any associated negative information as mandated by law. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA 605B. 

Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: FL

Complaint narrative:
I am writing to formally file a complaint against transunion for reporting multiple hard inquiries that I do not recognize or authorize. Under the Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX and XXXX ), consumers have the right to accurate reporting and prompt investigation of disputed information. Despite my prior efforts, these unauthorized inquiries remain on my credit report. 

This continued inaccuracy has significantly damaged my credit, resulting in both financial loss and emotional distress. I am requesting that these hard inquiries be deleted 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