vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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: FL

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXXXXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Nguyen Law Firm, PLC
State: VA

Complaint narrative:
I filed a claim with my insurance company XXXX XXXX. They hired a company XXXX to do repairs for my home. I never signed up for their service, never signed documents to accept payment. XXXX XXXX paid this company directly. 

XXXX caused damage to my home outside the scope of the work done. Backdoor, kitchen stove. Due to the damage I told them to remove themselves from my home. As they would not repair the door I filed a small claims court against them in addition to filing for property damage with the police department. 

In return they filed a false statement of a debt I owe them. As stated I have never done business with this company and thus do not owe them a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: GA

Complaint narrative:
ThisCFPBcomplaint hasbeen filed to request pursuant toFCRA605B ( 15 .U.S.C .

1681c2 ) thatyou, theExperiancredit reportingagencysblocktheinformationappearing onmy consumer credit report that is the result of identity theft, and fraudwithin four business days of you receiving this complaint. This fraudulent, inaccurateand false informationconsistofpersonalcreditcardaccounts, autoloans, personal loansandopen end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX ACCOUNTS : XXXX, XXXX, Balance : {$19000.00} XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$3200.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX  Date Opened : XXXX, Balance : {$1400.00} Theseaccountshaveresultedinseveral fraudulenthardinquiriesandfraudulentcollections appearingonmyconsumerFICOcredit report. Iveattacheda list of thehard inquiries in questionaswell asacopyof theconsumer FICOcredit reportmaintainedbyyouwhich shows thesaid fraudulent items. I donot recognize theseaccounts, collectionsandhard inquiriesasreported.Theaforementionedaccounts, collectionsandhardinquiriesappearing onmyconsumercredit reportmaintainedbyyouwerenotopened, madeor initiatedbyme. 
Allof thesaidaccounts, collectionsandhardinquiriesarearesultof identitytheft, andfraud. I haveattachedacopyof theFTCidentity theft criminal complaint XXXX, XXXXasproof fromtheUSfederal tradecommission that all of theaforementioned, consumercreditaccounts, collectionsandhardinquiriesareinfactaresultof identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: GA

Complaint narrative:
ThisCFPBcomplaint hasbeen filed to request pursuant toFCRA605B ( 15 .U.S.C .

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearingonmyconsumercredit report that istheresultof identitytheft, andfraudwithin fourbusinessdaysof youreceiving thiscomplaint.This fraudulent, inaccurateand false informationconsistofpersonalcreditcardaccounts, autoloans, personal loansandopen end unsecured consumer accounts as follows : ACCOUNTS : XXXX, XXXX, Balance : {$19000.00} XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$3200.00} XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX  Date Opened : XXXX, Balance : {$1400.00} Theseaccountshaveresultedinseveral fraudulenthardinquiriesandfraudulentcollections appearingonmyconsumerFICOcredit report. Iveattacheda list of thehard inquiries in questionaswell asacopyof theconsumer FICOcredit reportmaintainedbyyouwhich shows thesaid fraudulent items. I donot recognize theseaccounts, collectionsandhard inquiriesasreported.Theaforementionedaccounts, collectionsandhardinquiriesappearing onmyconsumercredit reportmaintainedbyyouwerenotopened, madeor initiatedbyme. 
Allof thesaidaccounts, collectionsandhardinquiriesarearesultof identitytheft, andfraud. I haveattachedacopyof theFTCidentity theft criminal complaint XXXX, XXXXasproof fromtheUSfederal tradecommission that all of theaforementioned, consumercreditaccounts, collectionsandhardinquiriesareinfactaresultof identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XXXX XXXX Issue : I am disputing unauthorized charges made to my Chase debit card through XXXXXXXX XXXXs. I hired someone to run advertising only for my own business. Instead, they abused the access I gave them and used my account to run ads for their own completely separate business. These charges did not benefit me or my company in any way. 

What happened : I provided access to my XXXXXXXX XXXX account for the purpose of managing my business campaigns only. 
This individual instead created and ran ads for another business using my funds. 
I have evidence, including screenshots of campaigns, billing statements, and ad previews showing that the ads were promoting a different company and not mine. 

Chases handling of my dispute : When I called Chase to explain this, I told them I had clear evidence proving the ads were unrelated to my business. Instead of reviewing the evidence, Chase simply repeated the same response over and over that the charges were authorized and then hung up on me. They did not meaningfully consider my explanation or documentation. 

Why this is unfair : I did not authorize these charges ; I only authorized ads for my own business, not for someone elses company. 
Chase is dismissing this as my fault without looking at the proof I have. 
This is effectively fraud and misuse of funds, yet Chase is treating it as if I willingly purchased these ads. 

Requested resolution : I am requesting that Chase reopen my dispute and fully review the evidence I have, which shows the charges were not for my company or benefit. At a minimum, I want Chase to properly investigate instead of dismissing the case without review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] 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 explanation
Consumer complaint received 2025-09-08 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: CA

Complaint narrative:
Unauthorized access to my credit report by several companies has caused direct harm to both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, and the inquiries remain. This failure to act is unacceptable. 

The continued presence of these fraudulent and unauthorized entries is extremely concerning and strongly suggests possible identity theft. Allowing this issue to remain unresolved is causing me ongoing emotional distress and financial harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: DE

Complaint narrative:
This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F, effective XX/XX/year>, Exeter Finance has violated the FDCPA 1006.30 ( a ) and its new rule by parking this alleged debt on my consumer reports. Cease and desist the reporting of this alleged debt immediately, or I will escalate this matter to legal action.

I have not given you written permission to place anything on my credit profile ( 15 U.S.C. 1681b ( 2 ) ).

You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft under 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to two years of imprisonment, in addition to civil liability.

I AM A LITIGIOUS CONSUMER. I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST Exeter Finance.

Pursuant to 15 U.S.C. 1692c ( c ), I refuse to pay this alleged debt. Cease and desist all collection activity regarding this alleged debt and PROMPTLY delete it from all consumer reporting agencies to which you have reported it.

The reporting of such inaccurate information has damaged my character, my reputation, and my ability to obtain credit.

You are also a furnisher of information under 15 U.S.C. 1681s-2. You are prohibited by law from furnishing inaccurate information. Reporting information you know or should know is inaccurate violates your duties under 1681s-2 ( a ) ( 1 ) ( A ) and ( B ).

This is your final opportunity to cure and DELETE this erroneous, inaccurate account from my consumer report. YOU HAVE 10 CALENDAR DAYS to delete this account, or I will take legal action for violations under 15 U.S.C. 1681n, 1681o, and 1692k.

Delete the following account immediately : Account Name : Exeter Finance Failure to respond satisfactorily will result in legal actions being taken against your company, and I will seek statutory damages of {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. FDCPA Violations ( 15 U.S.C. 1692g ) 4. FCRA Violations ( 15 U.S.C. 1681, 1681n ) Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diverse Funding Associates LLC
State: MS

Complaint narrative:
DNF ASSOCIATES Last reported XX/XX/XXXX {$720.00} Open balance DNF ASSOCIATES Original creditor XXXX  Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Account information disputed by consumer Account information disputed by consumer Original creditor name DNF ASSOCIATES

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: FL

Complaint narrative:
I was part of the XXXX  and also equifax data breaches. I have reached out to the credit reporting companies and received no help or remedies for the fraudulent accounts that were opened using my personal 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 2025-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash app closed my account with no exact reason and used a generic reason instead. I had done nothing out of the ordinary to give them reason to close/ cancel my account. This to me is not fair business and wish to be reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: NJ

Complaint narrative:
I XXXX that i a victim and i am requesting the immediate blocking of fraudulent information related to the following account and elements reported by XXXX, account number XXXX XXXX Inquiried on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX ; XXXX Inquiried on XX/XX/XXXX ; XXXXXXXX XXXX Inquiried on XX/XX/XXXX ; XXXX XXXX  Inquiried on XX/XX/XXXX ; XXXX Inquiried on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiried on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiried on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiried on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiried on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiried on XX/XX/XXXX XXXX XXXX XXXX Inquiried on XX/XX/XXXX XXXX XXXX XXXX Inquiried on XX/XX/XXXXXXXX XXXX XXXX Inquiried on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiried on XXXX XXXX, XXXXXXXX XXXX XXXX Inquiried on XX/XX/XXXX ; XXXX Inquiried XXXXThis account and inquiries do not belong to 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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$17000.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$4600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$970.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$840.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: CA

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 response to consumer: Closed with explanation