vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 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: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. I asked Transunion to verify this account over 30 days ago and requested that the CFPB also investigate this account. The credit bureau nor CFPB has accurately verified the account nor followed up with me. Transunion is the only bureau that his the inaccurate account listed on my report. Account name XXXX XXXX XXXX Account number XXXX Amount : {$2200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
I placed an online same day delivery order from XXXX  with my chime debit card and XXXX  cancelled the order the same day XX/XX/XXXX, it is now XX/XX/XXXX and my funds are still being held for the cancelled order despite XXXX  requiring cancelled authorization holds to be released within 72 hours. I've reached out to XXXX  and chime and nothing has come about it except being told to wait until the hold expires XX/XX/XXXX a whole 2 weeks after the transaction was cancelled. I need help getting my money released

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: NJ

Complaint narrative:
Subject : Formal Dispute of Unverifiable and Inaccurate Reporting Request for Immediate Removal under FCRA Re : XXXX XXXX Account Number : XXXX Dear Experian This letter is a formal dispute and demand for immediate removal of the XXXX XXXXXXXX account listed on my credit report, showing inaccurate and unverifiable late payments. 
This account is marked as open, yet your records show no recent activity, a {$0.00} balance, no monthly payment due, and the last update was in XX/XX/XXXX, with no payments posted since. Your reporting contradicts itself either the account is active and verifiable, or it is closed and outdated. This inconsistency violates the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, which mandates accurate and verifiable reporting.

Furthermore : You have reported 30, 60, 90, and 120-day late payments, despite the account being dormant and with no monthly payment due for over a year. 
The last verified balance was {$0.00} and the credit limit only {$300.00}, yet the historical data is not consistent with XXXXXXXX XXXXXXXX standard reporting. 
The continued reporting of derogatory marks on a non-active, unverifiable account causes material harm to my credit profile. 
Under FCRA Section 1681i ( a ) ( 5 ) ( A ), if the information provider can not verify the accuracy of the disputed information, it must be removed from the consumers file. 

Therefore, I am demanding the IMMEDIATE deletion of the entire XXXX XXXX account and all associated derogatory remarks from my credit report. If you can not fully verify this account with complete documentation and a signed agreement, it must be removed within 4 business days, or I will escalate this matter by filing complaints with the Federal Trade Commission ( FTC ), and the State Attorney General. 

Sincerely, XXXX XXXX Date of Birth : XX/XX/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 2025-08-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Credit and Collections Inc.
State: GA

Complaint narrative:
I prepaid for lessons for acting and only took classes that I paid for. I discovered I have XXXX and contacted the XXXX XXXX company to ask them to allow me to complete medical treatment before I resumed classes. This was done via XXXX phone calls with their representatives, more than several emails and several texts. NO ONE got back to me! They then sent my account to XXXX XXXX and XXXX, XXXX, in XXXX XXXX, Missouri. I received an email from XXXX XXXX that the amount was incorrect and told they would contact XXXX. That was on XX/XX/year>. XXXX decided they would write off the incorrect amount very recently, instead of removing the stain from my credit report. They had over a month to do the right thing, but chose to harm me causing my credit score to plummet XXXX points!!! I have NEVER missed any payments, but this devastated my score! I will include the email from XXXX XXXX, if I can. 
I have kept copies of every single correspondence from both of these entities. 
I want this insulting and apparently illegal action to be erased and action taken by you against XXXX. It looks as though I will have to pursue legal actions against both of them as they seem to think its fine to do as they like with my credit score! 
I have XXXX negative marks on my credit at all except for these XXXX individual companies!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. XXXX XXXX opened a credit card account number XXXX in XX/XX/XXXX while I was incarcerated and unable to apply for or authorize any credit. 

On XX/XX/XXXX, I sent XXXX XXXX proof of my incarceration at that time. Despite this, they refuse to remove the fraudulent account and continue to hold me liable. This violates federal laws including : The Fair Credit Reporting Act, Title 15 United States Code sections 1681c2, 1681i, and 1681s2a, which require blocking and removal of fraudulent accounts upon proof of identity theft.

The Fair Credit Billing Act, Title 15 United States Code section 1666, which protects consumers from unauthorized charges.

The Fair Debt Collection Practices Act, Title 15 United States Code sections 1692 et seq., which prohibits debt collectors from collecting debts they know are invalid. 


On a recorded call on XX/XX/XXXX, a XXXX XXXX supervisor falsely stated I am liable because someone in my family benefited from the fraud. This is legally incorrect and misrepresents my rights. 

XXXXXXXX XXXX  refusal to correct this inaccurate reporting harms my credit and violates these federal laws. 

I request the CFPB require XXXX XXXX to remove the fraudulent account, stop collection and reporting, and comply fully with all applicable federal identity theft protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: LA

Complaint narrative:
I am a XXXX XXXX XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : 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 2025-08-02 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: MI

Complaint narrative:
Transunion, Experian, and Equifax continued to report several XXXX XXXX account that were due to identity theft and did not belong to me. I called XXXX XXXX and they told me that the date of birth and social did not actually match that of mine. They have since stated that I would not be held liable for the accounts but each credit bureau states the account is verified as accurate how is this possible when the creditor said it is not my responsibility.

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 2025-08-02 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: MI

Complaint narrative:
Transunion, Experian, and Equifax continued to report several XXXX XXXX account that were due to identity theft and did not belong to me. I called XXXX XXXX and they told me that the date of birth and social did not actually match that of mine. They have since stated that I would not be held liable for the accounts but each credit bureau states the account is verified as accurate how is this possible when the creditor said it is not my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: KY

Complaint narrative:
Cash App denied two disputes for unauthorized transactions even after I provided proof I reported my card stolen, showed I was not present, and had never used the card at that store before. Im a XXXX XXXX XXXX and this has caused a serious financial burden. I would like my case fairly reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: IL

Complaint narrative:
On XX/XX/year>, I submitted a request for my consumer report through the official LexisNexis Risk Solutions portal : XXXX XXXX XXXX. I completed the online form with accurate and complete information, including my full name, current mailing address, Social Security number, and drivers license number. 

However, I received a letter from LexisNexis dated XX/XX/year>, stating that they were unable to process my request because my " identity documents '' were either illegible, did not qualify, or were not submitted at all. This claim is misleading. The form I submitted did not include any option to upload or attach identity documents. I fully complied with all instructions and provided all required information for identity verification. 

It is my belief that LexisNexis is using this as a tactic to unjustly deny and delay my lawful right under the Fair Credit Reporting Act ( FCRA ) to access my consumer report. This practice is obstructive and places an unnecessary burden on consumers attempting to exercise their rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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:
I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : XXXX  # XXXX - Date Opened XX/XX/year>

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Spring Oaks Capital, LLC
State: KY

Complaint narrative:
I am disputing a duplicate collection account that appears on my credit report. The original creditor was XXXX XXXX XXXX, which charged off the debt and marked it as closed with a {$390.00} balance. This same debt was later sold to Spring Oaks Capital LLC and is now appearing as a second active collection account opened on XX/XX/XXXX for the same {$390.00}. This is misleading and causes harm to my credit score by listing the same debt twice. I filed a dispute with the credit reporting agency in XX/XX/XXXX, provided documentation, and explained that this is a duplicate account, but they failed to remove it. Under the Fair Credit Reporting Act ( FCRA ), collection accounts can only remain on a credit report for 7 years from the original delinquency date, not the date it was sold to a new collector. Reporting it twice under different names with different dates violates the FCRA and unfairly impacts my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: PR

Complaint narrative:
I noticed several inaccurate and damaging items being reported on my credit file that do not reflect my actual credit history. Some of the accounts are being reported as derogatory even though they show a XXXX balance or have long been closed, such as accounts from XXXX, XXXX, and XXXX. Others, like XXXX XXXX XXXX and XXXX XXXX XXXX, are either duplicated or lack proper validation from the original creditor, and in some cases appear to be re-aged or inflated, which is a violation of the Fair Credit Reporting Act. I also found an unauthorized hard inquiry from XXXX dated XX/XX/year>, which I did not approve or initiate. Additionally, there are multiple variations of my name and addresses being reported that are incorrect and do not belong to me, increasing the likelihood of file mixing or identity confusion. These inaccuracies are negatively impacting my credit profile and were never addressed in my initial dispute. I am now formally requesting a thorough reinvestigation of each item and demand the immediate correction or deletion of any entry that can not be fully verified with accurate and complete documentation.

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 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
To Whom It May Concern, I am writing to follow up on the recent closure of my USAA account and to formally request the immediate release of my held funds. My account was closed on XX/XX/year>, and I was informed that USAA XXXX hold my remaining balance for up to 60 days. This decision has placed me in an urgent financial crisis, as I am now at risk of eviction. I have already submitted a copy of my eviction notice to your team. 

To date, I have not received any specific reason for the account closure. I have not been accused of fraud, nor have I violated any terms to my knowledge. My only assumption is that the closure was related to the disputes I filed one of which was resolved in my favor and resulted in a permanent credit being issued. All disputes have since been completed, and no pending transactions remain.

Given these facts, I believe the 60-day hold on my funds is excessive and lacks clear justification. This action may violate the spirit or standards of several consumer protection laws, including : The Electronic Fund Transfer Act ( EFTA ) and Regulation E, which require timely resolution of transaction disputes and protection from unauthorized electronic transfers.

UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) principles enforced by the Consumer Financial Protection Bureau ( CFPB ), which prohibit practices that cause significant harm to consumers without adequate reason. 
The intent of Regulation CC ( Expedited Funds Availability Act ), which supports timely access to consumer funds. 

In light of the above, I have notified the following parties of my situation and submitted supporting documentation, including my hardship letter and eviction notice : The Consumer Financial Protection Bureau ( CFPB ) The Washington State Attorney Generals Office My state representative Local legal aid and housing advocates I have also shared a copy of your official account closure letter, which confirms there was no mention of fraud or account violations. 

Given the urgency of my circumstances, I am respectfully requesting that USAA reconsider the hold on my funds and either release them immediately or provide a written justification with clear policy references for the continued delay. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone : 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 2025-08-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB
State: CO

Complaint narrative:
In XX/XX/year>, I discovered that Klarna allowed someone to open a line of credit using my full name, date of birth, and home address. The account was linked to an unfamiliar email address ( XXXX ) and phone number ( XXXX ) neither of which are mine. Despite this mismatch in contact information, Klarna approved the account and allowed purchases to be made under my identity without ever notifying me. 

When I contacted Klarna support, they confirmed the account was tied to my personal information but refused to disclose whether my Social Security number had also been used. They have not taken appropriate steps to verify the fraudulent nature of the account, and have actively limited the information I can accessmaking it difficult for me to assess the extent of the identity theft or to properly dispute the charges with debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo has been charging monthly Service fees to the Savings account which the bank created themselves when the checking account was opened with the bank. The information provided was that both accounts are not independent. If a checking account is opened then savings account comes with it. 
Since atleast early XXXX, the bank has been charging monthly service fees on the account for the lack of maintenance without my knowledge. On contacting the bank, they refused to refund the past transactions and were only ready to refund the latest service fee. It was implied that that is the bank policy that only one time within 12 month period the fee is refunded. The bank did the same fraudulent activity on the checking account few years ago which was also highlighted in XXXX. This seems to be the remanent of the same.

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 2025-08-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Under 1681i ( a ), as a consumer, I have the right to dispute any inaccurate or unverifiable information, and the credit reporting agency is obligated to conduct a reasonable reinvestigation within 30 days of receipt of this dispute. Additionally, 15 U.S. Code 1681e ( b ) requires credit reporting agencies to ensure the maximum possible accuracy of the information they report.

The late payment history reported by IC System appears to be both inaccurate and misleadingas debt collectors do not typically have authority to report ongoing payment history such as 30, 60, 90 days late like original creditors do.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Complaint to CFPB Fraudulent Hard Inquiry Consumer Name : XXXX XXXX DOB : XX/XX/year> Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX SSN ( last 4 ) : XXXX Issue Type : Credit reporting Improper use of my credit report / report inquiries I didnt authorize Complaint Description : I am filing this complaint regarding a fraudulent hard inquiry made on my credit report by XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) without my authorization. I did not apply for credit with this company, nor did I give permission for them to access my credit report. 

This unauthorized inquiry violates the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), which requires consumer consent for hard pulls. I am requesting that this inquiry be immediately removed from all credit bureaus as it is damaging my credit without any valid basis. 

I have already contacted the credit bureaus directly and am now escalating this to the Consumer Financial Protection Bureau because my rights have been violated, and my personal credit information has been accessed without permissible purpose.

Company response to consumer: Closed with explanation