vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: IL

Complaint narrative:
I am writing to formally request the deletion of any and all information that was allegedly verified but remains unauthorized, as well as all unauthorized inquiries resulting from the recent data breach. In accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 and 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), I demand immediate removal of such information from my credit report.

Furthermore, this letter serves as formal notification to opt out and remove my information from XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX and XXXX databases to prevent any further unauthorized activity. I request an immediate halt to all furnishing and verification of my data by XXXX and to opt out of its program entirely. Additionally, I demand the deletion of any and all information that XXXX is not authorized to retain and the rescission of any and all standing contracts and agreements with this company. 

All parties involved and contact information include : XXXX XXXX XXXX. XXXX XXXX, GA XXXX XXXX XXXX XXXX ( Now part of XXXX ) P.O. XXXX XXXX, GA XXXX XXXX  XXXX, XXXX. XXXX XXXX, FL XXXX XXXX, XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX  XXXX  ( ARS ) P.O. XXXX XXXX, GA XXXX XXXX.gov ( Federal Trade Commission ) XXXX XXXX XXXX, XXXX, DC XXXX Consumer Financial Protection Bureau ( CFPB ) P.O. XXXX XXXX, DC XXXX ExperianP.O. XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX I have filed reports with IdentityTheft.gov and the Consumer Financial Protection Bureau ( CFPB ) regarding the fraud and identity theft that has occurred. My personal information has been mishandled, leading to multiple unauthorized attempts to access my credit, resulting in numerous fraudulent inquiries. These actions have caused various companies to inaccurately report information, severely damaging my credit history and financial standing.

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 2025-06-18 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: IL

Complaint narrative:
I am writing to formally request the deletion of any and all information that was allegedly verified but remains unauthorized, as well as all unauthorized inquiries resulting from the recent data breach. In accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 and 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), I demand immediate removal of such information from my credit report.

Furthermore, this letter serves as formal notification to opt out and remove my information from XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX and XXXX databases to prevent any further unauthorized activity. I request an immediate halt to all furnishing and verification of my data by XXXX and to opt out of its program entirely. Additionally, I demand the deletion of any and all information that XXXX is not authorized to retain and the rescission of any and all standing contracts and agreements with this company. 

All parties involved and contact information include : XXXX XXXX XXXX. XXXX XXXX, GA XXXX XXXX XXXX XXXX ( Now part of XXXX ) P.O. XXXX XXXX, GA XXXX XXXX  XXXX, XXXX. XXXX XXXX, FL XXXX XXXX, XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX  XXXX  ( ARS ) P.O. XXXX XXXX, GA XXXX XXXX.gov ( Federal Trade Commission ) XXXX XXXX XXXX, XXXX, DC XXXX Consumer Financial Protection Bureau ( CFPB ) P.O. XXXX XXXX, DC XXXX ExperianP.O. XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX I have filed reports with IdentityTheft.gov and the Consumer Financial Protection Bureau ( CFPB ) regarding the fraud and identity theft that has occurred. My personal information has been mishandled, leading to multiple unauthorized attempts to access my credit, resulting in numerous fraudulent inquiries. These actions have caused various companies to inaccurately report information, severely damaging my credit history and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: The Savings Group, Inc.
State: MO

Complaint narrative:
On Friday XXXX I applied for a vehicle refinance offer through XXXX XXXX for a company called Autopay ( also known as The Savings Group, INC or XXXX XXXX XXXX ) that showed I was pre-approved for a much lower APR than my current loan. Immediately after submitting my application, a hard inquiry popped up and then a few minutes later I received a text message stating I was approved ( not pre-approved ) and that a loan specialist would be in touch from Autopay. This was before I even uploaded my documents. I took that message at face value and began rebudgeting based on the promised savings of nearly {$2000.00} over the life of the loan. 

I uploaded all required documents promptly, and everything provided was accurate. I spoke to XXXX the loan specialist on Monday ( XXXX  ) she said she was going to send everything off and should have everything finalized for me that night. I reached out the next day 3 times because no response. Finally I checked my Autopay portal to check the status and was shocked to find that the application was canceled. Nobody even notified me. I tried reaching out to the loan specialist again and she suddenly responds. ( Side note, she couldnt text the day before because her phone is broken, yet is able to text the next day on the same device after I asked for a call because I saw my app was cancelled. ) she said the lender couldnt offer a better rate than my current APR so they closed the application. 

Not only did they perform a hard inquiry on my creditcausing a negative impactbut they also used misleading language that led me to believe the loan was fully approved. I feel deceived and taken advantage of, and this experience has caused unnecessary financial and emotional stress as I rebudgeted due to the terms shown would have saved me over {$1000.00} in interest and and being told I was approved. I want this impact against my credit removed or something done about this harmful advertising of lying and saying someone is approved but then saying sorry we couldnt actually approve you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
Please remove the following items from my credit report : - ADDRESSES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had not checked my credit report in a long time. I went to the bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: AZ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AR

Complaint narrative:
I was a previous Cash App user and my account was suddenly closed without proper investigation or resolution. I contacted Cash App to inquire about the closure and to dispute certain transactions, but I was never provided with clear information, a thorough investigation, or proper customer service support. My requests for escalation were either ignored or directed back to automated systems. There was no live phone support or meaningful way to speak to a real representative to resolve my issue.

I believe that my account may have been closed due to suspected fraudulent or unauthorized activity, but Cash App failed to properly investigate or handle my dispute. This left me unable to access my funds, caused financial harm, and denied me due process as a customer.

My complaint directly relates to the Consumer Financial Protection Bureaus recent XX/XX/year> consent order against Cash App ( Block, Inc. ) for failing to investigate fraud claims and for providing inadequate customer service. My situation fits exactly into the type of harm that was identified in the CFPBs investigation. I am requesting that this be reviewed, investigated, and that I be included in any redress or compensation provided to impacted consumers under this federal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NRA Group, LLC
State: WA

Complaint narrative:
To Whom It May Concern : I am filing this complaint against a debt collection company that is attempting to collect on a debt that is past the statute of limitations and has been improperly reported to the credit bureaus.

Details of the Issue : Debt Collection Agency : NATIONAL RECOVERY AGENCY ; ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, PA XXXX Original Creditor : XXXX  Account Number ( if known ) : XXXX  Approximate Date of Last Payment : XXXX Amount in Dispute : {$500.00} This debt is time-barred under WASHINGTON 'S statute of limitations and should not be subject to collection efforts or reported to the credit bureaus. Additionally, I believe it may also be past the 7-year limit for reporting under the Fair Credit Reporting Act ( FCRA ).

Despite this, the debt collector has : Reported the debt to all three credit reporting agencies.

Failed to provide proper validation of the debt upon request through my disputes with the credit bureaus.

These actions appear to be in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). They are attempting to collect on a debt that is no longer legally enforceable and damaging my credit unlawfully.

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 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To : Equifax : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Universal Credit Report Dispute & Cease and Desist Violations of FCRA 1681e ( b ), 1681i, 1681c, FDCPA, Metro 2 Dear Credit Reporting Agency, I am writing to formally dispute multiple inaccurate, unverifiable, and outdated entries appearing on my credit file. This letter serves as an official notice of dispute, demand for deletion, and cease & desist regarding all erroneous and unlawfully reported accounts.

Dispute Summary : You are reporting negative tradelines with : Missing original creditor names No valid contracts or flow of assignment Duplicate collection accounts Outdated derogatory remarks Balances not matching highest reported Unpaid medical and consumer debt lacking HIPAA/FCRA verification These entries are in direct violation of the following : Legal Violations : 1. FCRA 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy in reporting tradelines. Accounts with outdated, duplicated, or unverifiable data are considered inaccurate under law.

2. FCRA 15 U.S.C. 1681i ( a ) : CRAs must perform a reasonable reinvestigation within 30 days. If no valid documentation is providedincluding contract and assignment chaindeletion is required.

3. FCRA 15 U.S.C. 1681c ( a ) : You may not report accounts beyond 7 years from the date of first delinquency.

4. FDCPA 15 U.S.C. 1692g ( b ) : Debt collectors reporting to your agency must validate the debt upon request. If flow of assignment and itemized breakdown are not produced, continued reporting violates federal law.

5. Metro 2 Compliance Violation : Tradelines that lack creditor detail, incorrect balances, or contradictory payment statuses are non-compliant and must be corrected or deleted.

DEMAND FOR DELETION & CEASE AND DESIST : I DEMAND : 1. Immediate reinvestigation and deletion of any unverifiable, inaccurate, or outdated accounts.

2. A copy of each furnishers verification, including original signed contracts, itemized statements, and chain of assignment.

3. That you CEASE AND DESIST from reporting any account that is not verifiable within 30 days or lacks legal standing.

4. Written confirmation that my credit report has been updated or corrected.

Final Notice : If your agencies fail to comply with this formal dispute, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and pursue further legal remedies. Under FCRA 616 and 617, I am entitled to damages for willful and negligent noncompliance.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: CA

Complaint narrative:
I am disputing both a reported late payment and one or more hard inquiries that appear on my credit report. 

First, the late payment reported by XXXX XXXX XXXX for XX/XX/year> is inaccurate. I have always made my payments on time, and I believe this entry was made in error. I never received any notification of a missed or late payment, and I have no record of a delinquency. Additionally, I have strong reason to believe that this may be due to a processing or reporting error on the creditors side. This false reporting is negatively affecting my credit and is not reflective of my true payment behavior.

Second, there are unauthorized hard inquiries on my credit report from [ Company Name ( s ) ], dated around [ insert dates if known ]. I never applied for any credit product or service with these companies, nor did I give permission for them to access my credit file. Under the Fair Credit Reporting Act ( FCRA ), no hard inquiry should be made without my explicit consent. 

These entries are causing significant harm to my credit profile. I request the immediate deletion of both the inaccurate late payment and the unauthorized hard inquiries. If documentation can not be provided proving my consent or the accuracy of the reporting, these items must be permanently removed in compliance with federal law. 

I am available to provide further information if necessary and request that this matter be handled promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: IN

Complaint narrative:
I received a notice in my mailbox today saying I was being sued by velocity investments and there is a case number listed. I called to request information. The man in the phone said he couldnt provide any information unless I gave him my social security number, date of birth, address and work. I can not give all of that info out via phone. I have recently been involved in several days breaches. He said he couldnt help me without me giving him the information he requested. I offered to give him the case number but he said he needed the information requested. I asked about other options for getting this debt information from him. He said I should try to figure out who I owe or pull my credit report. I asked if this is a timely issue and he said he couldnt say.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: PA

Complaint narrative:
Today I noticed several false accounts on my credit report, which is unusual and concerning. I check my report often, and this is the first time Ive seen such discrepancies. I even refreshed my browser thinking it could be an error, but the accounts were still there. Because of this issue, Im asking you to carefully review the documents Ive sent, so I can finally find peace of mind.

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 2025-06-17 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: CA

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXXXXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00}

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 non-monetary relief
Consumer complaint received 2025-06-17 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: IL

Complaint narrative:
I have previously disputed with XXXX XXXX and 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 2025-06-17 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 non-monetary relief