vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Both TransUnion and Equifax are not allowing me to see my reports. When I talk to TransUnion they say its because Equifax has information that's different from there's. When I talk to Equifax they say the same thing. I need assistance with viewing my current reports. both companies hasn't updated or refresh my report since XX/XX/year>. Upon looking at my Experian Report someone has been using my name and opened up some fraudulent accounts. I'm unable to see if my TransUnion and Equifax has the same 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 2025-05-09 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: VA

Complaint narrative:
I'm reaching out regarding an inquiry listed on my credit report that I did not authorize. This inquiry was made without my consent and, to be clear, there was no permissible purpose for it under the Fair Credit Reporting Act.

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 2025-05-09 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:
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 explanation
Consumer complaint received 2025-05-09 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: FL

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 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
I try to use a XXXX ATM in XXXX with My card from chime and the ATM did not hice me the money and cancel My transaction and they deduct de money i already make a dispute with chime and do not resolve yet they said that i have to wait XXXX to XXXX  days to they Say me someting about My dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the XXXX XXXX XXXXXXXX Law ( TILA ) XXXX XXXXXXXX XXXX XXXXXXXX ( b ), billing error.

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 2025-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG Financial Services, Inc.
State: CT

Complaint narrative:
I had XXXX mortgages with CMG financial. The first was for a house that was sold on XX/XX/year>. I still have not received the escrow funds for this home totaling {$3400.00}. 

Additionally, my mortgage for my new house was transferred from XXXX to a new servicer XXXX. I received notice on XX/XX/XXXX that my mortgage was being transferred and that XXXX would stop accepting payments on XX/XX/year>. On XX/XX/XXXX XXXX debited {$4200.00} for my mortgage payment as did my new loan servicer causing my account to be overdrawn. I have reached out to XXXX about both issues numerous times with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-09 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: NY

Complaint narrative:
XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX. This XXXX comprnt has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, equifax and Experian 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$3900.00}. that appears related to the aforementioned ini several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as onsunl crodt repori mandainec by you vere not opened, madl, or initatod by me. Al of the aforementionad sccounte collectione and hard inauiries are the raeult of identity thaft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of to have attached a copy of FTC identity theft criminal complaint as proof from XXXX Federal Trade Commission that the aforementioned consumer credit account that is the result of identity theft and fraud. I've also requested the investigation method that was used, this information is yet to provided to me.

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 2025-05-09 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: NY

Complaint narrative:
XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX. This XXXX comprnt has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, equifax and Experian 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$3900.00}. that appears related to the aforementioned ini several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as onsunl crodt repori mandainec by you vere not opened, madl, or initatod by me. Al of the aforementionad sccounte collectione and hard inauiries are the raeult of identity thaft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of to have attached a copy of FTC identity theft criminal complaint as proof from XXXX Federal Trade Commission that the aforementioned consumer credit account that is the result of identity theft and fraud. I've also requested the investigation method that was used, this information is yet to provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I am submitting this complaint regarding the Apple Card account issued by Goldman Sachs Bank that is being inaccurately reported to Experian. I have attempted multiple times to dispute this account directly with the furnisher and the credit reporting agencies, but the information remains and continues to cause harm to my credit profile. 

Issues and Legal Violations : The payment history reflects fabricated and inconsistent reporting, including multiple charge-off notations across different months, which is not possible under accurate credit reporting standards. An account can only be charged off once. 

The account shows good standing before jumping to XXXX day delinquencies, which is factually impossible within a XXXX billing cycle. 

The information reported is unverifiable, misleading, and not in compliance with the Fair Credit Reporting Act ( FCRA ), particularly : FCRA XXXX ( b ) failure to ensure maximum possible accuracy ; FCRA XXXX failure to reasonably investigate disputes ; FCRA XXXX ( b ) failure to correct or delete inaccurate information after notice of dispute. 

I am not seeking correction of this data. I am demanding a full deletion of the account from my credit report due to its unlawful reporting practices and non-compliance with XXXX XXXX reporting standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: TN

Complaint narrative:
Reported as a charged-off account with a current balance, which contradicts XXXX XXXX and FCRA XXXX XXXX b ). Charged-off accounts should not reflect a balance if sold or XXXX. 

This account is reported without a complete account number, only showing XXXX '. Under XXXX XXXX Field XXXX and FCRA XXXX ( a ) ( XXXX ), the reporting entity is required to include sufficient identifying details for consumer verification. Failure to provide a complete account number makes this tradeline unverifiable and it must be deleted.

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 2025-05-09 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: TN

Complaint narrative:
Reported as a charged-off account with a current balance, which contradicts XXXX XXXX and FCRA XXXX XXXX b ). Charged-off accounts should not reflect a balance if sold or XXXX. 

This account is reported without a complete account number, only showing XXXX '. Under XXXX XXXX Field XXXX and FCRA XXXX ( a ) ( XXXX ), the reporting entity is required to include sufficient identifying details for consumer verification. Failure to provide a complete account number makes this tradeline unverifiable and it must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XX/XX/year> My dear Ladies and gentlemen, I am XXXX XXXX XXXX who is opening FEDERAL TRADE COMMISSION PROTECTING XXXX 'S CONSUMERS ( FTC ) and CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) at the same time to dispute Equifax, as its Take Action has XXXX actions of which include XXXX actions REPORT FRAUD and SUBMIT A PUBLIC COMMENT. 
I just got an email from XXXX XXXX XXXX XXXX XXXX ( XXXX ) that notifies : - We must see the results of the disputes filed with Equifax and an updated Equifax showing the flagged items removed from the credit report. Please provide this information when it becomes available. 
So, as I dispute with you, I also rely on the FTC and CFPB for quick help because you made an enormous burden on XXXX as follows : - Dear XXXX XXXX, This email is in response to your inquiry about your credit appeal. Your case number is # XXXX. Please retain this number for reference. 
Thank you for your prompt response to our email earlier today. We will continue processing your credit appeal case when the remainder of the required documentation is received. 
XXXX XXXX XXXX Even in your dispute, XXXX credit companies are offering me to apply ; and yesterday XXXX credit companies, XXXX and XXXX XXXX, with XXXX of their pre-approved cards were sent to my apartment through postal service. ( attached ) After all, I need you to remove the flagged items from my credit reports because I already submitted them to the public on FTC and CFPB. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account with XXXX XXXX XXXX opened on XX/XX/2024. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint XXXX  ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the 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 non-monetary relief
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: GA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
These accounts were created without my knowledge or consent, and I should not be accountable for them. I urge you to take swift steps to correct this matter.

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 2025-05-09 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: OH

Complaint narrative:
Mt Name Is XXXX XXXX, Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ) that you, the EXPERIAN 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-05-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
In XX/XX/XXXX, Ally Bank informed me that my accounts were being closed due to high-risk activity. I instructed them to close all accounts and mail any remaining funds. I received some disbursements, and my online access was deactivated, so I believed all accounts had been closed. 

In XX/XX/XXXX, while reviewing my IRS tax transcripts, I discovered that Ally Bank issued a XXXX, indicating an account was still open and accruing interest. I contacted Ally Bank and was informed the account was still open with a balance of {$6100.00}. These funds were held without my knowledge or access for nearly XXXX years. 

I sent a formal demand letter on XX/XX/XXXX, requesting the account be closed, funds disbursed, and compensation for lost investment opportunity totaling {$3700.00}. I also requested written confirmation that no other accounts remain open and a full explanation. I have received no adequate response.

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 monetary relief