vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 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: PA

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 



XXXX XXXX  XXXX ( Original Creditor : XXXX ) # XXXX XXXX & XXXX ( XXXX Creditor : XXXX ) # XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) # XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX  XX/XX/year> TransUnion XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> Equifax XXXX XXXX VIA XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> REMOVE THESE XXXX XXXX XXXX ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXXXXXX XXXX XXXXXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-04-19 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: PA

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 



XXXX XXXX  XXXX ( Original Creditor : XXXX ) # XXXX XXXX & XXXX ( XXXX Creditor : XXXX ) # XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) # XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX  XX/XX/year> TransUnion XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> Equifax XXXX XXXX VIA XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> REMOVE THESE XXXX XXXX XXXX ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXXXXXX XXXX XXXXXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-04-19 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 would like these Inquiries to be remove so my credit profile report accurately INQUIRIES XXXX Information reporting on my credit is inaccurate I am writing to have the following information remove from my credit report. the item that i need deleted are going to be attached in the 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 can show accurate information. i reported the theft of my identify to the federal Trade Commission and enclosed a copy of the report. I would like these items deleted from my 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 explanation
Consumer complaint received 2025-04-19 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: GA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, and I immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax data breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which has negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have face multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX. ) Account Name : 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

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 2025-04-19 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: GA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, and I immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax data breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which has negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have face multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX. ) Account Name : 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

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 2025-04-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Avant Holding Company, Inc.
State: GA

Complaint narrative:
I received an adverse action notice from Avant through XXXX on XX/XX/year>, stating that my loan application was denied due to Length of time accounts have been established, Lack of recent revolving account information, Proportion of loan balances to loan amounts is too high, Lack of recent bank/national revolving information, The number of inquiries on the consumer 's credit file has adversely affected the credit score.

The letter states the decision was based in whole or in part on information from consumer reporting agencies and that my credit score ( XXXX ) was used in the decision. However, the same notice claims that the reporting agencies played no part in their decision and can not supply specific reasons for the denial. This is contradictory and confusing. 

Under the Fair Credit Reporting Act, adverse action notices must provide a clear and accurate explanation of the reasons for denial. The conflicting language makes it unclear whether the credit report and score were decisive factors. I believe this violates the FCRAs requirement for transparency. Im requesting that XXXX c/o Avant be required to provide a revised, non-contradictory notice and fully explain the true basis for their denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Rausch Sturm LLP
State: IA

Complaint narrative:
As of XXXX XX/XX/year> the company 's website does not allow me to make my ordinary {$50.00} per month payment. I called their number that date and they took my information telephonically but never charged my account, as of XXXX XXXX 2025. I think they may be trying to default me from the court order.

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 2025-04-19 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: Prosper Marketplace, Inc.
State: KY

Complaint narrative:
On XX/XX/year> I looked on consumer affairs to browse loan rates only. In format form they asked my state where I live, my address and birthdate. After I gave that information without my consent apparently they gave that information to several loan companies who than sent to my email whether or not they would loan me money. Which to me means that consumer affairs sent them personal information of mine that I did not consent to. I never gave them my social security number nor consented to a soft credit check. All it said was check loan rates without a credit check. I want my personal information removed from consumer affairs as well as Prosper loan. I have no idea how to do that. I did send an email to consumer affairs to remove that info but I assume the damage has already been done to my credit score.

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 2025-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: WV

Complaint narrative:
I had fraud on my bank account on XX/XX/year>. I reported it to my bank but by the time they froze my account, the person committing the fraud already deducted a total of {$2000.00} from my account. It was several zelle transactions he had hacked into my account and added himself as a zelle recipient on my account. My bank froze my account and put it under investigation. Typically, most banks refund your money to you within 10 business days with fraud transactions. I have called the bank almost every other week asking the status of the investigation and refund of my stolen money. They keep reassuring me they will give my money back but can never give me a status update of the investigation. They ended up closing that account and opening a new one and said once the investigation is complete, they will put the funds into the new account. This has gone on for 2 months now and they still can not give me a status update nor refund my stolen money. In fact, sometimes when I call, I get someone who tells me that they already refunded me which is false. I'll call back and they said they're still working on it. This should not be taking so long and i have a right to receive my money that was stolen. I have had so many spam callers and texters since then claiming they are from my bank trying to do the same thing again as the first time. I cant even receive my state tax return because i set it up to direct deposit into my old account that is under investigation but the bank will not return it so they can cut me a check for my refund. It keeps trying to go into the old account and its just sitting there.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: WI

Complaint narrative:
On XX/XX/year>, at XXXX I was XXXX XXXX  XXXX point by my cousin friend, I had a XXXX XXXX to my head with my 2 babies on my hip and my side. The person that robbed me forced a XXXX up to my temple of my forehead telling me to give him my wallet, purse with all my debit cards and more information, the person also took my phone. The person got into my bank, stole money from my debit card, stole money from my apple wallet and also stole money from my cash app. On cash app that person brought {$1000.00} of my stolen funds through bitcoin and transferred money to his account named XXXX XXXX XXXX  I contacted cash app letting them know I was in an armed robbery with my babies and they told me they feel the transaction was completed appropriately even though I was robbed at XXXX point. I decided to contact you guys so you can please help me get my funds back from cash app. They already have a police report and are still giving me a hard time about my funds that I did not do at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Complaint Description : On XX/XX/XXXX, a fraudulent charge of {$1300.00} was made at Best Buy XXXX using a Citibank credit card that I did not request, activate, or authorize. The bank issued a replacement card in XX/XX/XXXX and mailed it to an outdated address I had not lived at for over XXXX years, automatically sending the credit card when I didn't even request for a new one in the first place. I lived at my current for at least four years and sent them proof ( verified via bank statements and utility bills ). 

The card was fraudulently activated using spoofed caller ID, as evidenced by T-Mobile call logs proving I never contacted Citibank prior XXXX XX/XX/XXXX. A police report ( Case # XXXX ) was filed to document the identity theft. 

Despite submitting the police report, call logs, and address verification to Citibank on XX/XX/XXXX, the bank has : Failed to provide updates or reverse the charge. 
Ignored evidence proving the transaction was unauthorized. 

This negligence enabled fraud and has left me liable for a charge I did not incur.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-19 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
My name is XXXX, i met XXXX XXXX who stated he was a landlord for a house in XXXX XXXX FL. I spoke to XXXX, went through the pictures of the phone and agree to start the process of applying to start renting the home. I sent my first transaction to his assistant XXXX XXXX XXXX on Chime bank, owned by XXXX XXXX. I sent {$75.00} on XX/XX/XXXX for the application fee and background check. I was contacted by XXXX stating the background checks cleared & he approved me. I sent another transaction for the deposit in the amount of {$1400.00} for the deposit and the pet fee. As im sending these transaction, XXXX is explaining the process, sending his ID for verification & stating, Prepayment of rent is fully refundable if for any reason property isnt taken, with a XXXX grace period to terminate the lease if for any reason tenant has reconsiderations. Move in will take place on XXXX the XXXX with a scheduled time to meet of XXXX. XXXX sets of keys will be handed to the tenant as well as XXXX key fobs to access the clubhouse amenities. I XXXX XXXX agree to the above stated terms. I continue to send transactions to the assistant to ensure the move in process and agreed lease term. Me, XXXX XXXX, XXXX XXXX, roommate XXXX XXXX signed the lease agreement and agreed to meet at the house, XXXX XXXX XXXX XXXX XXXX FL to exchange keys and keyfobs. XXXX XXXX did not show up, later blocked our phone numbers. Denying to speak to us, i attempted to request the refund of {$3100.00} from XXXX and no response. Ive contacted Chime services and no assistance was given nor provided to start a dispute nor resolution to the scam. I went through my used to be trusted bank that i have had for several years to send the money in hope if this exact situation happened i would be provided assistance. Chime denied assistance & will not start a dispute. Good and services is not honored in their policies. The agents stated because i sent the transactions i will not be able to start a dispute from the fellow chime member XXXX XXXX XXXX. XXXX  account was made in 2022, they themselves were a trusted Chime member. No security was alerted stating if this person is not trusted, known to scam, nothing. Within the chime app im apart of a group named Roommates with XXXX, each charge is organized and labeled with what each charge is for. The scam that XXXX XXXX and XXXX XXXX XXXX did was well organized and thought out. With a signed lease agreement and messages stating the amounts with be refunded back if him himself, XXXX XXXX did not hold the agreement or the property was not taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and inconsistent credit reporting on my XXXX XXXX  ( XXXX ) credit card account, referenced as XXXXXXXX XXXX XXXX XXXX XXXX on both TransUnion and XXXX, and as XXXXXXXX XXXX XXXX XXXX XXXX  on XXXX. XXXX  is incorrectly reporting a high credit of {$0.00}, while both TransUnion and XXXX  correctly show {$180.00}, which reflects actual usage. Additionally, the account opening dates are inconsistentTransUnion lists XX/XX/XXXX, while XXXX  and XXXX  report XX/XX/XXXX. The number of months is also inaccurately listed as " XXXX '' across all three bureaus, despite nearly a full year of reported history. Furthermore, the last reported dates vary : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX  ), and XX/XX/XXXX ( XXXX  ). 

Most importantly, all three bureaus are reporting a 30-day late payment for XX/XX/XXXX. I am formally requesting that the CFPB conduct a thorough investigation into this specific late payment and require XXXX and the reporting bureaus to provide documented evidence that the payment was indeed late. If they can not furnish verifiable proofincluding billing statements, payment records, and official correspondencethen this negative mark must be removed from all credit reports in compliance with the Fair Credit Reporting Act ( FCRA ). This derogatory remark is not only harmful to my credit but has already resulted in credit denials and higher interest rates, negatively affecting my financial stability and causing emotional distress. I respectfully request swift action to ensure my credit report reflects only verified, accurate, and lawful information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation