vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: MD

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

"

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 2025-05-20 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 to any 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 non-monetary relief
Consumer complaint received 2025-05-20 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: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I have previously disputed with TXXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: NY

Complaint narrative:
Please consider this a formal request to block and remove the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I authorize their creation. In accordance with USC 1681g, I ask that they be removed within 15 days. Supporting documents are included for your careful consideration. Additionally, the reported account details vary across the bureaus and contain discrepancies.

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 2025-05-20 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Credit reporting agencies keep saying account coming back verified this is a fraudulent account thats being reported I have my documents to justify this fraudulent account thats being verified as account trans union and equifax is not doing a proper investigation on this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NY

Complaint narrative:
Im writing to dispute an item on my credit report that is not being reported in compliance with the Fair Credit Reporting Act. The information does not meet the standard of maximum possible accuracy, as required under the FCRA.

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 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear XXXX XXXX XXXX XXXX XXXXXXXX : Pursuant to your response letter dated XX/XX/year> ( please see attached ) to my earlier CFPB Complaint # XXXX, I have again attempted a transaction, and it again declined. 

Here are the details of the declined transaction : Merchant name : XXXX XXXX XXXX XXXX website : XXXXXXXX XXXX XXXX  Amount of transaction : {$10.00} Date of transaction : XX/XX/year> Decline Reason : XXXX : Please see an excerpt of ACI website, showing decline response and reason, attached.

Please advise further! 

Thank you, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optio Solutions, LLC
State: MO

Complaint narrative:
In XXXX of XXXX  I completed a settlement agreement that was given to me by Qualia Collection Services. I made my first payment and was given receipt of it and had payments taken out every XXXX weeks. Upon seeing I had a small balance remaining I opted in to have this balance completed so that I can obtain a letter proving it had been paid. Once the date of the final payment arrived to my surprise my settlement was no longer there and the company only had the full amount for me to pay. Which was not agreed upon. I had tried calling and every time I called the call would just keep getting disconnected. I had even filed a dispute with the credit bureau which they werent able to make contact with them as well. I have had nothing but issues when I was able to speak with someone from them telling me they dont have to report the settlement amount to the credit bureau to them telling me that their policies changed and they didnt have to notify me of those changes. Or just having the call disconnected while waiting for someone to take me off hold. This whole thing has been a nightmare and Im completely at a point of just wanting this off my credit. Its a game of cat and mouse with them. They arent accredited have terrible reviews and I see why now. Literally my last payment so I can have this take off my credit and they void my settlement agreement without notifying me or anything and now XXXX cant make contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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 am writing to formally report that my personal data has been compromised in a recent security breach, and this incident has significantly and negatively affected my credit report. I have reason to believe that unauthorized parties may have gained access to my sensitive personal and financial information, including but not limited to my full name, date of birth, address, banking details, and possibly my identification documents. Unauthorized inquiries were found on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
Hi, I need to get itms removed from my file. Take a look at the report Ive atached to get an idea of wht needs to be taken out. Ive been a victim of identity theft, so it's not possible that I made these transactions. I need these items taken out to correct my credit report in earnest. I've already informed the Federal Trade Commission of the identity theft and provided them copies of their Identity Theft Affidavit. Can you get this resolved quickly?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: IL

Complaint narrative:
My interest rate jumped almost % XXXX percent in XXXX months and Discover said they will not do anything about it. This is predatory behavior! How will I ever get my balance down like this?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: KY

Complaint narrative:
On XX/XX/year> two unauthorized transactions appeared on my credit karma spend account for XXXX for {$120.00} and {$480.00}. XXXX XXXX different names. I disputed both charges, The {$120.00} is still being reviewed but credit karma denied the {$480.00} charge and refuses to do anything else. I did not make these charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-20 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 non-monetary relief
Consumer complaint received 2025-05-20 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I will crush it that old app. Just feel removed from my credit with my credit profile. Which basically is holding me back. XXXXXXXX XXXX XXXX XXXXXXXX has been over 30 years. I asked for that to be removed. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX wrong information. That is not me. I asked for that to be removed. I asked for several old addresses. XXXX XXXX XXXX been over 15 years. 
XXXX north carolina address is printed on the wrong and has been over XXXX years. XXXX XXXX XXXX XXXX old address been over 20 years. 
I never once lived in new york.. 
Also, there is several different ways of misspelling.My name, my name is XXXX XXXX XXXX - XXXX XXXX XXXX XXXX .. i asked that any other misspelling or misprinted on my name should be removed from the 3 reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I will crush it that old app. Just feel removed from my credit with my credit profile. Which basically is holding me back. XXXXXXXX XXXX XXXX XXXXXXXX has been over 30 years. I asked for that to be removed. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX wrong information. That is not me. I asked for that to be removed. I asked for several old addresses. XXXX XXXX XXXX been over 15 years. 
XXXX north carolina address is printed on the wrong and has been over XXXX years. XXXX XXXX XXXX XXXX old address been over 20 years. 
I never once lived in new york.. 
Also, there is several different ways of misspelling.My name, my name is XXXX XXXX XXXX - XXXX XXXX XXXX XXXX .. i asked that any other misspelling or misprinted on my name should be removed from the 3 reporting agencies immediately.

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 2025-05-20 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: World Acceptance Corporation
State: TX

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint : Complaint Type : Credit Reporting - Inaccurate Information and Retaliation Companies : XXXX XXXX XXXX XXXX Issue : XXXX reported inaccurate information on my credit report, including a XXXX XXXX account ( # XXXX ) that was closed and paid off on XX/XX/XXXX, but is showing a 30-day past due status. Despite disputing this information, XXXX verified it as accurate. 
Retaliation : After filing a complaint on XX/XX/XXXX, XXXX reinserted several previously deleted accounts, including the XXXX XXXX account, without sending a notice of reinsertion letter within 5 days as required. 
Dispute Details : On XX/XX/XXXX, I disputed the account, stating that the current payment status of 30 days past due is incorrect because the balance due on this account is {$0.00}. XXXX XXXX investigation was inadequate, and they verified the account as accurate on XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX : Request that XXXX  conduct a thorough investigation, correct the inaccurate information, and provide a revised credit report. I also seek monetary compensation for the harm caused by their actions. 


State Consumer Protection Agency ( CDPB ) Complaint : Agency : CDPB Complaint Type : Credit Reporting Agency Complaint Companies : XXXX XXXX XXXX XXXX Issue : XXXX XXXX inaccurate reporting and retaliation against me after filing a complaint. 
Details : Provide specific details about the inaccurate information, the dispute process, and the harm caused by XXXX XXXX  actions. 
Relief Sought : Request that the agency investigate the matter, ensure XXXX corrects the inaccurate information, and provide monetary compensation. 


XXXX  Complaint : Complaint Type : Credit Reporting Agency Complaint Issue : Inaccurate reporting of the XXXX XXXX account and failure to conduct a thorough investigation. 
Details : Provide specific details about the account, the dispute process, and the harm caused by XXXX XXXX actions. 
Relief Sought : Request that XXXX conduct a thorough investigation, correct the inaccurate information, and provide a revised credit report. 


XXXX XXXX Complaint : Complaint Type : Lender Complaint Issue : Reporting inaccurate information to credit bureaus. 
Details : Provide specific details about the account and the inaccurate information reported. 

Relief Sought : Request that XXXX XXXX ensure the accurate reporting of information to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Block, Inc.
State: NY

Complaint narrative:
I have a Cash App account. There was fraud against my account and I reported the card stolen. I received a new ( replacement ) card in the mail and Cash App states they can not activate my new card. The people I spoke with have very little English proficiency and are unable to clearly state the issue with activating my card. I then asked to speak with a supervisor and they stated that they did not have any available. Due to my own financial issues, this is my main card for purchasing basic needs. I appreciate the existance of Cash App, but their phone support is poor and ineffective. It takes a long time to get any answers from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P.S.C., Inc
State: WA

Complaint narrative:
I am disputing medical debt being collected by XXXX XXXX XXXX  ( PSC ), and they have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>2025, I contacted PSC and verbally disputed a medical debt associated with a physician group billing from an emergency room visit at XXXX XXXX XXXX ( under XXXX XXXX XXXX XXXX ). PSC acknowledged this dispute in writing in their response to a complaint I filed with the Washington State Attorney Generals office.

According to FDCPA 15 U.S.C. 1692g, once a debt is disputed, the collection agency must cease all collection activityincluding adding interest or continuing billinguntil the debt is validated. However, despite never providing any validation of the debt, PSC continued collection activity and recently sent me an updated statement in XX/XX/year>2025 with additional interest added to the balance. 

This violates federal law. PSC has never provided any of the following : An itemized statement showing the nature of the charges Documentation that I agreed to or consented to be billed separately Any contract or proof of financial obligation I am requesting that the CFPB : Investigate this violation Require PSC to cease collection activity and remove all interest charges added after XX/XX/year>2025 Confirm that PSC has properly marked the debt as disputed Ensure PSC does not report this to credit bureaus or attempts to collect without full legal validation

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