vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Fraud Department / Credit Reporting Dispute XXXX XXXX XXXX XXXX XXXX, NY XXXX Subject : Demand for Immediate Removal Fraudulent Account Dear Sir or Madam, I am writing regarding an account that was fraudulently opened under my name and Social Security number. I did not open or authorize this account, nor did I authorize anyone else to do so. Despite multiple prior requests for verification of this account, including a copy of the application bearing my signature and identification used, I have received no response. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to investigate disputed information on my credit report. Since this account is fraudulent and can not be verified as opened by me, I demand that it be removed from my credit file immediately. I expect written confirmation of the removal of this fraudulent account within the timeframe allowed by law. Failure to comply may result in me taking further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies under the FCRA. This account does not belong to me and must be removed from my credit report immediately. Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am filing this complaint because Global Lending Services ( GLS ) responded to my previous CFPB complaint but avoided providing the credit application used to open the auto loan account. GLS only provided the contract and payment history, but the application is the document used to verify a persons legal identity.

The dealership credit application, which GLS did NOT include in their response, contains my name spelled incorrectly and does not match my government-issued identification or Social Security record . This is the document GLS used to verify this account when reporting it to the credit bureaus.

Since GLS refused to provide the application, they have not shown how they verified this account under my legal identity. A contract is not used for identity verification the original application is.

Without matching identity information on the application, GLS can not legally verify that this account belongs to me under the FCRA 623 requirements. GLS continues to verify information to Experian and Equifax even though the application they used contains a different spelling of my name.

My concerns : GLS avoided providing the original credit application, which contains the incorrect name .GLS sent only the contract, which is NOT used for identity verification.

GLS continues verifying the account with the credit bureaus without supplying identity-matching documents.

Experian and XXXX rely on GLS to provide correct documents, but GLS has refused to provide the application.

GLS is reporting and verifying inaccurate information in violation of FCRA 623 ( a ) ( 1 ) ( A ).

Thank you for your 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 2025-11-21 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX XXXX XXXX  responded to my previous CFPB complaint but avoided providing the credit application used to open the auto loan account. XXXX only provided the contract and payment history, but the application is the document used to verify a persons legal identity. 
The dealership credit application, which XXXX did NOT include in their response, contains my name spelled incorrectly and does not match my government-issued identification or Social Security record . This is the document XXXX used to verify this account when reporting it to the credit bureaus. 
Since XXXX refused to provide the application, they have not shown how they verified this account under my legal identity. A contract is not used for identity verification the original application is. 

Without matching identity information on the application, GLS can not legally verify that this account belongs to me under the FCRA XXXX requirements. GLS continues to verify information to XXXX and Equifax even though the application they used contains a different spelling of my name. 

My concerns : XXXX avoided providing the original credit application, which contains the incorrect name .GLS sent only the contract, which is NOT used for identity verification. 
XXXX continues verifying the account with the credit bureaus without supplying identity-matching documents. 

XXXX  and Equifax rely on XXXX to provide correct documents, but XXXX has refused to provide the application. 

XXXX is reporting and verifying inaccurate information in violation of FCRA 623 ( a ) ( 1 ) ( A ).

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
b'I sent a certified letter to Experian on XXXX with tracking XXXX XXXX XXXX XXXX XXXX XXXX  Per the USPS the letter was delivered on XXXX. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts: XXXX XXXX XXXX  (account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  stating that they think someone else may have sent this on my behalf and did nothing to resolve my issue. I proceeded to send another letter to Experian on XXXX  and until this date I hadnt received a response from Experian.'

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 2025-11-21 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: NC

Complaint narrative:
I am writing to dispute an entry on my Experian credit report. The account listed below is reported inaccurately and I request that it be investigated under the Fair Credit Reporting Act ( FCRA ). 

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$410.00}

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 explanation
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
I dispute the following accounts due to inaccurate, unverified, duplicated, and conflicting reporting. These violate FCRA 602A, 607 ( b ), 609 ( a ), 611, 615, and 623. 
DISPUTED ACCOUNTS WITH ACCOUNT NUMBERS ( EXPERIAN ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts contain incorrect dates, wrong balances, impossible late histories, and duplicate entries.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent, inaccurate, unauthorized, and damaging accounts, inquiries, and public records from my credit file. These items are the direct result of identity theft and are being reported in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 605B, 607 ( b ), and 611 ( a ), you are legally obligated to block and delete all fraudulent or unverifiable information within four ( 4 ) business days of receiving my FTC Identity Theft Report and supporting documents. Any delay, negligence, or continued reporting of this false information will be considered willful noncompliance and a serious violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for statutory, actual, and punitive damages. This is your final warning delete all fraudulent and inaccurate data immediately or face legal consequences.

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 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: CA

Complaint narrative:
I disputed two charges that I did not make or authorize so they canceled my debit card and blocked my account for 14 days, cutting me off of my paycheck, I can't pay my bills or even buy food and water, I asked several times to speak to a supervisor to just be given the run around and never transferred to anyone else, they are doing absolutely nothing to help access my own money, they are essentially preventing me from living, 14 days with no funds is a death sentence to me, I never read anywhere on this app saying they would block my account for 14 days had I known that I'd of just let the fraudulent charges keep coming so I could at least still buy food, but my account was blocked without even getting an email, I found out when my purchase was declined, and their app is preventing me from getting a replacement card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Chime Financial Inc
State: OK

Complaint narrative:
I went to make a purchase using a debit card and was charged {$0.00} because the amount being under {$5.00}. I informed the store that it is illegal to charge a surcharge for a debit card purchase, but the store still charged me and added it as an additional item charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XX/XX/year> I received notice from Citibank regarding the credit limit on my credit card. I had asked for in increase in credit limit in XX/XX/year> and it was declined and left at the {$3300.00} limit. On XX/XX/year> I received notice they are lowering my limit to {$2800.00}, which is within {$60.00} of my credit balance. The notice stated it was lowering the limit due to my total revolving credit usage was high in proportion to my available credit. I do not dispute this as I've used my credit cards to pay bills while starting a new business. It has averaged around 90 % available credit usage. What I fiind infuriating is that before the credit lilmit decrease, I was around 84 % credit usage on the Citi card and I was current on all payments and have not missed any payments. Now, after lowering the limit, it will be reported I am using nearly 98 % of my credit limit. This seems entirely counter intuitive and seems like a total scam on the part of the company. I would love to cancel the card and pay off the balance, but I know that will lead to a nagative hit on my credit score too, which is a total scam and needs to be redone, but that's a complaint for another day. Citibank is hurting my ability to get credit in the future for no justifiable reason by making my overall credit usage % go up when they did not need to do that.

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 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kinum, Inc., Indianapolis, IN Branch
State: OK

Complaint narrative:
On XX/XX/year>, I received a call from a debt collector named XXXX XXXX from Kinum. After verifying my information, I told him I would be getting my dental records from my dentist because I developed an XXXX and needed them for follow-up care. 

He immediately told me that I was never going to get my dental records because I had not paid my bill. He said I have to pay it now or I would not get my records at all. He claimed the dental office was legally allowed to withhold my medical/dental records until I paid, which is false. 

I told him that it is illegal to withhold dental records because of unpaid balances, and he said actually its not, and repeated that I would not receive them until I paid the debt. He used this false threat to pressure me into immediate payment. Then he abruptly hung up on me. 

This was a false statement, a threat, and an attempt to force payment using something he can not legally do. The dental office confirmed afterward that they ARE sending me my records, proving the collector intentionally misrepresented the law. This violates the FDCPA because he threatened an action that can not legally be taken. 

I am requesting an investigation into this collectors deceptive and abusive behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: EQUIFAX, INC.
State: MD

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

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 2025-11-21 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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.

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 2025-11-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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:
Complaint Against : TransUnion Nature of Complaint : False Dispute Remark / Score Manipulation / FCRA Violations I am filing a complaint because TransUnion falsely placed a disputed by consumer remark on my current credit card account even though I never disputed this account. This false dispute caused my TransUnion credit score to drop approximately XXXX points ( from around XXXX ). 

On XX/XX/year>, I spoke with a TransUnion supervisor named XXXX XXXX, who admitted that the remark should not have been there. She removed it immediately, which confirms TransUnion knew I did not file the dispute.

This false reporting violates FCRA 1681e ( b ) ( failure to maintain accurate procedures ), 1681i ( a ) ( improper dispute handling ), and 1681i ( a ) ( 5 ) ( A ) ( duty to delete inaccurate information ).

Additionally, TransUnion refused to disclose my updated score after they corrected the remark, violating FCRA 1681g ( a ), which gives me the right to clear disclosure of the information in my file.

I request a full investigation into how the dispute remark was added without my authorization, restoration of my correct credit score, and written documentation confirming the correction and cause of the unauthorized dispute remark.

FCRA Violations FCRA 1681e ( b ) Failure to maintain reasonable procedures to assure maximum accuracy.

Placing a false dispute remark on my account demonstrates that TransUnions procedures to ensure accuracy are not reasonable.

2. FCRA 1681i ( a ) Failure to conduct proper reinvestigation / improper reporting of dispute information.

They reported my account as disputed by consumer even though no dispute was ever filed.

3. FCRA 1681i ( a ) ( 2 ) Duty to notify the consumer of changes/results.

TransUnion made changes affecting my file and score but did not notify me and refused to disclose my updated score.

4. FCRA 1681i ( a ) ( 5 ) ( A ) Duty to correct or delete inaccurate information.

By admitting the remark was wrong and removing it, TransUnion confirmed the information was inaccurate.

But the damage to my score still occurred, and they failed to fully correct the consequences.

5. FCRA 1681g ( a ) Right to accurate disclosure of all information in your file.

They refused to tell me my updated score, effectively denying me access to my own credit information after they altered it.

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