vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TN

Complaint narrative:
Cash app closed my account with out my consent and refuse to provide documents for the reasons the provided and refuse to refund my money I understand your concern and appreciate you letting us know. I've logged this complaint for review and if you do not have anything else to add to this complaint, I'd like to continue assisting you with your support case. For reference, your case number is XXXX. 

If I don't hear back from you regarding this complaint, I will assume you recognize and understand the resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: IN

Complaint narrative:
This letter is to notify you that I was a victim of a data breach, and fraudulent accounts now appear on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I demand blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX IN XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-05-21 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: CA

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-21 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-21 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: GA

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Submitted via : CFPB Complaint Portal Complaint Details : Dear CFPB, I am submitting this formal complaint to dispute unauthorized hard inquiries on my credit report, which were made without my wet signature ( physical authorization ) or any valid consent. The following entities pulled my credit in violation of federal law, and I demand immediate validation of my signature and removal of these inquiries : Unauthorized Inquiries : XXXX 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/year> ) Legal Basis for Demand : Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX Creditors must have permissible purpose and proof of authorization before accessing credit reports. 

Equal Credit Opportunity Act ( ECOA ), Regulation B, XXXX XXXX XXXX Requires written applications for credit, implying signed consent. 

Truth in Lending Act ( TILA ), XXXX XXXX XXXX XXXX Mandates clear disclosure of credit terms, which can not exist without a signed agreement. 

Requested Actions : Produce Wet Signature Verification Each creditor must provide a signed document proving I authorized these inquiries. 

Immediate Deletion of Unauthorized Inquiries If no valid signature exists, Equifax, Experian, and TransUnion must remove these entries. 

Investigate Creditors for FCRA Violations These entities accessed my credit without permissible purpose, warranting CFPB enforcement. 

Provide Updated Credit Reports Confirm corrections in writing. 

Supporting Facts : I never applied for credit with these entities. 

No wet signature exists authorizing these inquiries. 

These inquiries may indicate identity theft or fraud, requiring further investigation. 

Failure to validate my signature within XXXX days means these inquiries must be deleted per FCRA XXXX. 


Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Submitted via : CFPB Complaint Portal Complaint Details : Dear CFPB, I am submitting this formal complaint to dispute unauthorized hard inquiries on my credit report, which were made without my wet signature ( physical authorization ) or any valid consent. The following entities pulled my credit in violation of federal law, and I demand immediate validation of my signature and removal of these inquiries : Unauthorized Inquiries : XXXX 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/year> ) Legal Basis for Demand : Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX Creditors must have permissible purpose and proof of authorization before accessing credit reports. 

Equal Credit Opportunity Act ( ECOA ), Regulation B, XXXX XXXX XXXX Requires written applications for credit, implying signed consent. 

Truth in Lending Act ( TILA ), XXXX XXXX XXXX XXXX Mandates clear disclosure of credit terms, which can not exist without a signed agreement. 

Requested Actions : Produce Wet Signature Verification Each creditor must provide a signed document proving I authorized these inquiries. 

Immediate Deletion of Unauthorized Inquiries If no valid signature exists, Equifax, Experian, and TransUnion must remove these entries. 

Investigate Creditors for FCRA Violations These entities accessed my credit without permissible purpose, warranting CFPB enforcement. 

Provide Updated Credit Reports Confirm corrections in writing. 

Supporting Facts : I never applied for credit with these entities. 

No wet signature exists authorizing these inquiries. 

These inquiries may indicate identity theft or fraud, requiring further investigation. 

Failure to validate my signature within XXXX days means these inquiries must be deleted per FCRA XXXX. 


Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
Im submitting this follow-up to a previous CFPB complaint regarding my Mazda Financial Services account XXXX which was charged off on XX/XX/2024, as confirmed in their written response. 

However, I received a collection notice from XXXX XXXX XXXX dated XX/XX/2024, attempting to collect on this same charged-off account. This indicates the account was transferred or assigned to a third-party collector, which typically triggers an IRS XXXX XXXX obligation. 

Mazda Financial previously stated that they could not issue a XXXX because the account was still in collection. But this collection activity is now being conducted by an external agency, not Mazda itself. 

I am requesting clarification : Has Mazda Financial issued a XXXX to the IRS for the charged-off balance? 

If not, do they still retain ownership and collection authority? 

If the debt was assigned or sold, please confirm whether a XXXX is forthcoming or was filed. 

I am attempting to resolve this matter in good faith and ensure that the account is properly reported to both the IRS and credit bureaus. I respectfully ask the CFPB to review this inconsistency and assist in obtaining a formal answer from Mazda Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on 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 2025-05-21 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: CORELOGIC INC
State: DE

Complaint narrative:
I previously submitted a complaint with CoreLogic Credco, regarding an identity theft isse due to the XXXX  data breach, and it was cancelled and stated it was a " Duplicate Complaint ''. My XXXX complaint was not a duplicate complaint. The complaint contained a new fraudulent credit account that I discovered and an updated FTC Report with the updated information. I am resubmitting my complaint against XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, as I did not authorize this account and I do not recognize this account. Due to the data breach with XXXX, my consumer credit file was compromised and false accounts have been discovered. 

I have enclosed : Original Canceled Duplicate Complaint Identity verification Notarized Affidavit of Identity Proof Of Address Dispute Letter FTC Report # XXXX ( Updated with New Account ) Proof of XXXX XXXX XXXXXXXX

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 2025-05-21 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: IL

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Credit Report Dispute Incorrect Address, Employment Information, and Unauthorized Inquiries Dear Equifax, XXXX am writing to formally dispute inaccurate information listed on my credit report. After reviewing my Equifax credit file, I noticed the following errors which I request be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are XXXX or more addresses listed on my credit report that I have never resided at. Please remove any addresses not associated with my verified residence history. 

XXXX. Incorrect Employment Information : XXXX XXXX XXXX My credit report includes employment details that are inaccurate. I have never been employed by the listed employer ( XXXX ). I request that all incorrect employment information be removed from my credit file. 

XXXX. Unauthorized Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There are several hard inquiries on my report that I did not authorize. I request these inquiries be removed as they were made without my consent. 



Please investigate these matters and remove or correct the inaccurate information in accordance with the Fair Credit Reporting Act ( FCRA ). I have attached a copy of my government-issued ID and a utility bill as proof of identity and address. 



I respectfully request that the results of your investigation be sent to me in writing at the address above. If you need any further information from me to assist with your investigation, please let me know. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: IL

Complaint narrative:
I have not supplied under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-05-21 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CO

Complaint narrative:
My TransUnion credit report is currently reflecting multiple derogatory accounts that are either inaccurate, unverifiable, or outdated, and their continued presence is unjustified and harmful. XXXX such entry is a charge-off from XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX, reporting a balance of {$1700.00} dated XX/XX/XXXX, XXXX beyond the allowable reporting period under the FCRA. Additionally, there is an account from XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX with a charge-off balance of {$13000.00} that lacks any supporting documentation proving its accuracy or legitimacy. My report also reflects a {$0.00} balance charge-off from XXXX XXXX , account number XXXXXXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, as well as another {$0.00} balance charge-off from XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX, from XX/XX/XXXX. It is misleading and damaging to report charge-offs with XXXX balances, especially when no supporting documentation has been provided to validate the debt. In addition, a collection from XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX for {$520.00}, and a collection from XXXX XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX for {$1100.00}, both appear on my file without any legitimate verification of the debt, contract, or chain of custody. I never authorized any of these accounts, nor have I received any original contracts or documents substantiating them. These inaccuracies may be the result of data compromise, considering the growing concerns regarding breaches affecting consumer data. 

Under XXXX XXXX. XXXX, TransUnion is required to conduct a thorough reinvestigation and remove any unverifiable or inaccurate information. Additionally, XXXX XXXX. XXXX outlines liability for willful noncompliance with the FCRA. If TransUnion fails to act in accordance with these legal responsibilities, it is violating federal law and harming me financially.

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 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TN

Complaint narrative:
I tried to sign into my chime account XXXX day and I no longer had access to my account or the funds that was present in the account during closure no I did not authorize closure of my account and I never receive my money back plus they added this to my credit report and it is causing damage to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Requested replacement Kohl 's card XXXX in XX/XX/year> and several times thereafter. never came. Merged with Cap One, so called them - " unable to locate my information ''. Called again 3-4 times approx 40 min - 1 hr per call but they can't have someone call em back becuase they " can't make outbound calls '' Reps have language barrier and kept asking if I'm applying for a card. Now can not access Kohl 's account on app OR in store and missed 2 pymnts due to this mess. Everyone I spoke to ( at least 3 people per call ) assure me it would be " escalated '' and I never hear a thing back. Now reflected on credit report. 
RE ; Capital One ( also ) - added their shopping extension for {$40.00} credit as advertised by them, never received it, called AGAIN ( 3 separate times ), nobody could help, was told same scripted response of it being " escalated '' and never heard from them. Can not spend 40 min-1 our or more on phone being transferred around to people who are the wrong department, " no supervisors in office '' " can not place outbound calls '' - nothing gets resolved EVER and now my credit is impacted while looking for a place to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir or Madam : I am writing to dispute the following information on my credit report : XXXX XXXX XXXX XXXX 
This item is inaccurate because it does not reflect the correct amount on the account. 
I request that this item be deleted to reflect my true credit history. 
Please investigate this matter in 15 days promptly and make the necessary changes. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation