vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I recently checked my credit report and noticed some unfamiliar inquiries, I believe I have become a victim of identity theft. The inquires are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  please remove these fraudulent inquires from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my numerous attempt to inform you that I am a victim of identity theft, and I am once again disputing certain items on my credit report that resulted from this fraudulent activity. I did not authorize, nor have I engaged in, any transactions related to the items in question. Therefore, I request that you remove any fraudulent information associated with my credit file. The items I am disputing are unfamiliar to me, and I have observed discrepancies in the information reported, including deletions by other credit bureaus and inconsistencies in the payment histories. These errors cast doubt on the accuracy of the information, and I am unable to verify any legitimate connection to these items.

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 2025-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my numerous attempt to inform you that I am a victim of identity theft, and I am once again disputing certain items on my credit report that resulted from this fraudulent activity. I did not authorize, nor have I engaged in, any transactions related to the items in question. Therefore, I request that you remove any fraudulent information associated with my credit file. The items I am disputing are unfamiliar to me, and I have observed discrepancies in the information reported, including deletions by other credit bureaus and inconsistencies in the payment histories. These errors cast doubt on the accuracy of the information, and I am unable to verify any legitimate connection to these items.

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 2025-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: WA

Complaint narrative:
I sent a chime to someone on XX/XX/XXXX for a service/product in the amount of {$40.00} but never received promised services/product then was unable to cancel the transaction. Kept receiving an error when usually you can cancel if it hadn't been claimed. I then notified Chime directly gave them the users pay tag and all information I had including screenshots of the promise of service. Chime refused to assist and also allowed the user to keep account even after they had been notified they are using the account to commit fraud on people. I never received my {$40.00} back or a resolution. This person STILL has an active Chime account as well. I even attempted to request my funds back but user cancelled my request. Chime should have at least suspended the user from their platform. They are condoning this person 's fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a 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 PLEASE REMOVE ALL ACCOUNTS A.S.A.P 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 USC 1681IS-2 15 USC XXXX XXXX : XXXX XXXX  Date opened XX/XX/XXXX - Account number XXXX XXXX XXXX Account number Date opened XX/XX/XXXX - XXXX Date opened : XX/XX/XXXX Balance : {$4300.00} XXXX XXXX XXXX Account number - XXXX Balance : {$23000.00} XXXX XXXX Account XXXX - XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number - XXXX XXXX Account number - XXXX Credit limit : {$2500.00} XXXX Account number - XXXX XXXX Account number - XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number - XXXX Date opened : XX/XX/XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number - XXXX Date opened : XX/XX/XXXX XXXX Balance : - {$630.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX - Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX - Account number XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX - Original balance - {$720.00} - Account info Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a 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 PLEASE REMOVE ALL ACCOUNTS A.S.A.P 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 USC 1681IS-2 15 USC XXXX XXXX : XXXX XXXX  Date opened XX/XX/XXXX - Account number XXXX XXXX XXXX Account number Date opened XX/XX/XXXX - XXXX Date opened : XX/XX/XXXX Balance : {$4300.00} XXXX XXXX XXXX Account number - XXXX Balance : {$23000.00} XXXX XXXX Account XXXX - XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number - XXXX XXXX Account number - XXXX Credit limit : {$2500.00} XXXX Account number - XXXX XXXX Account number - XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number - XXXX Date opened : XX/XX/XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number - XXXX Date opened : XX/XX/XXXX XXXX Balance : - {$630.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX - Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX - Account number XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX - Original balance - {$720.00} - Account info Account number : 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 2025-06-10 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear and detailed explanation of the reinvestigation process. Specifically, I requested information outlining the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to support the continued reporting of the item. 

To date, the agency has not provided any of the requested information. This failure to disclose required details violates the FCRAs standards for transparency and accountability and raises serious concerns about the accuracy and integrity of the reinvestigation process. The agencys noncompliance may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and could result in civil liability.

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 2025-06-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I am sending this complaint numerous times to inform you that I was a victim of identity theft. I am requesting the removal of the negative items from my file, but it seems like no one cares. I am now requesting again that Experian, Equifax, and TransUnion Credit Bureaus please remove the fraudulent items according to the law, as you are required to do. Please see the listed items below that need to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Response is incorrect to former case XXXX and clearly Equifax did not bother to read anything in the case notes. I have no access to my credit information using the Equifax platform. That has been repeatedly stated in multiple cases yet nothing in the responses from Equifax address that issue. Equifax makes no effort to restore the access. They routinely refuse to provide this access despite providing them with all of the requested information in the aforementioned case. This information has been provided to them over 20 times since XX/XX/year>XXXX  and they are doing absolutely nothing to resolve the issue. I am guaranteed both access to my credit information as well as the ability to dispute anything in my credit information that may be incorrect under federal and state law. Equifax refuses to provide this to me either via their agents or via their website. I need the website access restored since clearly theyre doing nothing to restore the ability to access or dispute information via the phone agents. 

In other cases Equifax has gone as far as to create an elaborate fiction that none of my credit information exists in their systems despite proof that information is being shared with third parties. 


As Equifax has all of the requested information on record it should be absolutely trivial to restore this access yet they refuse repeatedly despite request being made multiple times every month for the last six months. This is a blatant violation of my FCRA rights and clearly indicates willful negligence on their part to resolve any such issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: GA

Complaint narrative:
Subject : Unauthorized Hard Inquiries on My Credit Report To the Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding unauthorized hard inquiries that have been made on my credit report. After reviewing my credit file, I identified the following inquiries that I did not authorize, initiate, or consent to : Disputed Inquiries : XXXX. XXXX Experian XX/XX/year> XXXX. XXXX Experian XX/XX/year> XXXX. XXXX XXXX XXXX  XX/XX/year> XXXX. XXXX XXXX XXXX XXXX XXXX  XX/XX/year> These inquiries were made without my knowledge or permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, which limits access to consumer reports to specific, lawful reasons such as a credit application initiated by the consumer. 

I did not apply for credit or authorize these entities to pull my credit. Under 15 U.S.C. 1681b ( f ), obtaining a consumer report without a permissible purpose is a violation of federal law. 

Additionally, 15 U.S.C. 1681n and 1681o provide for remedies when such violations occur, including the right to recover damages from entities that willfully or negligently access a consumers credit report without authorization. 

I request that the CFPB investigate these unauthorized inquiries and hold the reporting agencies and inquiring institutions accountable. I also request removal of these inquiries from my credit reports and any appropriate enforcement actions for violations of the FCRA. 

Please find attached screenshots and documentation to support my claim. 

Thank you for your time and assistance.

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 2025-06-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/XXXXXXXX  TransUnion XX/XX/XXXX equifax XX/XX/XXXX Experian XXXX. XXXX - {$12.00} XXXX. XXXX XXXX XXXX - ( Reported balance {$25000.00} ) XXXX XXXX  XXXX XXXX XXXX XXXX ( Charged off for {$720.00} ) XXXX. XXXX XXXX XXXX - ( Late payment reported XX/XX/XXXX ) Sent dispute letter for inaccurate items to be removed.

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 2025-06-10 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: PA

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 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 2025-06-10 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP

Complaint narrative:
I was a XXXXXXXX XXXX XXXX XXXX  working in XXXX, North Dakota in the summer of XXXX. My employer paid me through a US Bank XXXX XXXX. After I returned to XXXX, a final paycheck of {$530.00} was deposited into the card. 

The card initially worked for a short period ( about 23 weeks ), during which I was unaware that XXXX subscription fees were being charged. After that, the card stopped working completely. I have not been able to use it in any ATM or store, either in XXXX or in the U.S. when tested by a trusted friend. 

I also can not perform any actions through the mobile or online banking system because it requires verification through a U.S. phone number, which I no longer have access to. 

At the time I attempted to access the funds, the card was still valid. It has since expired, but the funds remain unclaimed and inaccessible to me. 

I have contacted customer support more than 10 times, but they either say the account does not exist or they are unable to help due to verification limitations. 

I kindly requested US Bank to assist me by : 1. Reactivating the card, 2. Transferring the remaining balance to my active XXXX XXXX account in the U.S., or 3. Mailing a check to my current address in XXXX. 

None of these options have been supported so far. I am simply requesting access to the wages I earned legally and in good faith.

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 2025-06-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
15 USC 1681c-2 This is a formal statement regarding fraudulent activity found on my credit report. I never gave consent to any of the listed items. Block and remove all entries mentioned in the FTC report and attached PDF. They are to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: PA

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: VA

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 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 non-monetary relief
Consumer complaint received 2025-06-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I am sending this complaint numerous times to inform you that I was a victim of identity theft. I am requesting the removal of the negative items from my file, but it seems like no one cares. I am now requesting again that Experian, Equifax, and TransUnion Credit Bureaus please remove the fraudulent items according to the law, as you are required to do. Please see the listed items below that need to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation