vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I disputes this collection account on XXXX demanding that they provide me proof of my original signature and the original contract to prove this is my debt. I also ask for the chain of title showing they are authorized to collect the alleged debt on behalf of the creditor and they had failed to prove either. I was never contacted for the alleged debt it was just placed on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I have close to {$100.00} on 2 digital prepaid cards from myprepaidcenter.com. I tried to use the card on multiple websites throughout the month of XX/XX/year> because the cards can not be used in store, and all of the platforms reject the cards. Additionally, my prepaid center charges monthly fees if you do not use the money that is on the card and they do not let you transfer the funds out. I contacted their customer service on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> and was hung up on when I complained about this exact issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NJ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-07-16 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-16 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: NJ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
Upon reviewing my credit report, I discovered a hard inquiry that is not only unauthorized but also unsupported by any consumer relationship or permissible purpose.

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 2025-07-16 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
I am filing a formal dispute regarding a personal loan account that has been paid in full and consistently reported with on-time payments. Despite the positive payment history and full satisfaction of the loan, this account continues to appear on my credit report in a way that negatively impacts my credit score. 



Creditor Name : Affirm Account Number : XXXX Credit Bureau Reporting It : [ XXXX XXXX XXXX XXXX XXXX  ] This account does not reflect any missed or late payments and has been fully satisfied. I am requesting its removal from my credit report as it no longer serves any legitimate reporting purpose and is unnecessarily affecting my credit profile. I have attempted to resolve this matter directly with the credit bureau/lender without success. 



I am requesting the CFPBs assistance in having this account either : Removed entirely from my credit report, or Updated in a way that reflects positively, such as removing any unnecessary or outdated negative influence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
A recent credit report review revealed a hard inquiry that I never authorized. I believe this may have been reported in error or without valid authorization.

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 2025-07-16 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: MN

Complaint narrative:
A collection was posted against my personal credit report with all three credit reporting agencies. Under the Fair Debt Collections Practices Act, there are specific requirements that must be met before a collection is posted. In this case the debt collector violated my rights based on the following criteria : A copy of the assignment of debt collection rights from the original creditor. 

A copy of the legal document proving a relationship between myself and the original creditor, in this case XXXX XXXX XXXX, as posted on the collection. 

Proof that the collection agency is bonded within the state of Minnesota. This bond must be posted with the Office of Attorney General. 

An accounting of the {$7900.00} balance to prove legitimacy. 

Any of these FDCPA violations are grounds for deletion of the collection immediately and permanently. 

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 2025-07-16 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am currently reviewing my TransUnion credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-16 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:
My credit report reflects multiple unauthorized inquiries from a party I have never contacted or conducted business with. These inquiries were not initiated by me and appear to be fraudulent or erroneous.

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 2025-07-16 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: NJ

Complaint narrative:
Permanently delete the following accounts and inquiries from my credit report, as they were not authorized by me and are the result of identity theft : XXXX XXXXXXXX Inquiry dated XX/XX/2024 XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX Block all identity theft-related data in compliance with XXXX U.S.C. XXXX, as I have already submitted the required documentation ( FTC Identity Theft Report, government-issued ID, Social Security card , and proof of address ). 

Provide written confirmation that these accounts and inquiries have been removed or blocked from my file. 

Send me a corrected and updated copy of my consumer credit report reflecting these changes. 

If the companies involved are unable to verify my authorization for these accounts or inquiries, they are legally required to remove them 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 2025-07-16 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:
I am a struggling single mother of XXXX who is a victim of identity theft. Several fraudulent accounts and unauthorized hard inquiries have appeared on my credit report, including with companies such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now, and the Department of Education XXXX XXXX ). I did not open or authorize any of these accounts or applications. 
I have submitted formal disputes under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act to the credit reporting agencies ( Equifax, Experian, and TransUnion ) XXXX along with proof of my identity and a signed written statement as a victim of identity theft. Despite this, the fraudulent accounts have not been removed, and no resolution has been provided within the time required by law. 
This situation is devastating. I am working hard to rebuild my life and credit so that I can purchase a safe, reliable car and buy our dream home for me and my children. These errors are unfairly holding me back and making it nearly impossible to qualify for anything, even though the debts and accounts are not mine. 
Im asking the CFPB to step in and ensure these agencies and creditors comply with the law and remove the fraudulent items immediately. I deserve the opportunity to build a better future for my family without being punished for something I did not do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: MI

Complaint narrative:
I am a struggling single mother of XXXX who is a victim of identity theft. Several fraudulent accounts and unauthorized hard inquiries have appeared on my credit report, including with companies such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now, and the Department of Education XXXX XXXX ). I did not open or authorize any of these accounts or applications. 
I have submitted formal disputes under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act to the credit reporting agencies ( Equifax, Experian, and TransUnion ) XXXX along with proof of my identity and a signed written statement as a victim of identity theft. Despite this, the fraudulent accounts have not been removed, and no resolution has been provided within the time required by law. 
This situation is devastating. I am working hard to rebuild my life and credit so that I can purchase a safe, reliable car and buy our dream home for me and my children. These errors are unfairly holding me back and making it nearly impossible to qualify for anything, even though the debts and accounts are not mine. 
Im asking the CFPB to step in and ensure these agencies and creditors comply with the law and remove the fraudulent items immediately. I deserve the opportunity to build a better future for my family without being punished for something I did not 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 non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
in accordance with the fair creait Reporting act : XXXX XXXX XXXX XXXX  account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Im following a complaint because my creditor is reporting late payments on my account XXXX, That are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnitures but the late payments remains without proper documentation or validation. Under 15 USC. 1681. S2. Furnitures must report accurate information. 
Under 15 USC 1681 I, the credit bureaus must perform a reasonable investigation within 30 days neither of them have provided sufficient evidence to report the negative reporting. I demand that if these accounts are lacking proof of being late please update my payment to PAANL status ( paid as agreed never late ). thank you

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 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
In XXXX of this year, XXXX  I deposited someone else 's check into my account. The bank closed my account and returned the funds that were in the account, but they never returned the funds from that check., They said they would have to contact the person the check belonged to, But when I call to inquire about that call, they tell me the phone number isn't in that person 's name, The check owner says she's never been called and that phone line is under her name, I have called many times and to this day no one has helped me to solve this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
THE BANK MOBILE CHECK POLICIES TOOK MY XXXX DIRECT DEPOSIT CHECK THE POLICY ALLOWED THE BANK TO RELEASE MONEY TO MY CHECKING ACCOUNT AND THE MONEY WENT TO THE FRAUD AND THE BANK TOOK MY DIRECT DEPOSIT THE BANK DIDNT LOSE NO MONEY AND THE FRAUDS COLLECTED THE MONEY OFF THE MOBILE CHECK DEPOSIT POLICIES IM OUT OF {$1400.00}

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 2025-07-16 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: 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 explanation
Consumer complaint received 2025-07-16 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: MN

Complaint narrative:
A collection was posted against my personal credit report with all three credit reporting agencies. Under the Fair Debt Collections Practices Act, there are specific requirements that must be met before a collection is posted. In this case the debt collector violated my rights based on the following criteria : A copy of the assignment of debt collection rights from the original creditor. 

A copy of the legal document proving a relationship between myself and the original creditor, in this case XXXX XXXX XXXX, as posted on the collection. 

Proof that the collection agency is bonded within the state of Minnesota. This bond must be posted with the Office of Attorney General. 

An accounting of the {$7900.00} balance to prove legitimacy. 

Any of these FDCPA violations are grounds for deletion of the collection immediately and permanently. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: CL Holdings LLC
State: MI

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX, Jefferson Capital Systems LLC XXXX XXXX  are third parties that received my information without my consent from a creditor. Reporting balances that are not accurate and reporting dates that do not align across my credit report.

Company response to consumer: Closed with explanation