vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 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: CA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> To : TransUnion Subject : Formal Dispute of Fraudulent Accounts Identity Theft Victim To Whom It May Concern, I am writing to formally dispute the accuracy of several accounts that appear on my credit report. These accounts were opened fraudulently without my knowledge or authorization and are the result of identity theft or a data breach involving my personal information. 

Please conduct an immediate investigation and remove the following accounts from my credit report : Accounts to Be Removed ( Fraudulent ) : - * * XXXX XXXX  * * {$820.00} - * * XXXX Funding * * {$640.00} - * * XXXX XXXX XXXX * * {$2300.00} - * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * {$17000.00} -- - These accounts do not belong to me, and I am not responsible for any balances, charges, or associated credit reporting. I am asserting my rights under the * * Fair Credit Reporting Act ( FCRA ) * * and requesting : 1. Immediate removal of the above-listed accounts from my credit file.

2. A copy of my updated credit report reflecting these changes.

3. A written response confirming the outcome of your investigation Enclosed Documents : - Government-issued photo ID - Proof of address ( e.g., utility bill or lease ) - FTC Identity Theft Report or Police Report - Any data breach notification if applicable Please investigate these items as fraudulent and ensure they are permanently removed. Thank you for your prompt attention to this matter. 

Sincerely, * * XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX Email : 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 2025-09-21 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: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within XXXX ( XXXX ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> To : XXXX, Equifax, and XXXX Subject : Dispute of Fraudulent Accounts Due to Identity Theft / Data Breach To Whom It May Concern, I am writing to formally dispute several accounts that appear on my credit report, which are the result of identity theft. I did not open these accounts, nor did I authorize any transactions or activity associated with them. 

Please consider this letter my formal request to investigate and remove the following fraudulent accounts from my credit report : # # # Disputed Accounts : - XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} - XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$640.00} - * * XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} - XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1500.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balances : {$450.00} and {$700.00} - XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$17000.00} -- - These accounts are not mine and likely resulted from a data breach or unauthorized use of my personal information. Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate investigation and permanent deletion of these fraudulent accounts from my credit file. 

# # # Attached Documents : - Copy of my government-issued ID - Proof of address ( utility bill or lease agreement ) - FTC Identity Theft Report ( or police report, if available ) - Any documentation related to the data breach, if applicable Please confirm in writing that you have received this dispute and notify me of the results of your investigation. 

If you find these accounts to be fraudulent as indicated, I request that they be removed from my credit report and that a revised copy of my credit report be sent to me. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: LA

Complaint narrative:
This complaint is filed under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that [ TransUnion / Equifax / Experian ] , the credit reporting agency , block and remove fraudulent information appearing on my credit report.

Under 605B, you are required to block such information within four ( 4 ) business days of receiving this complaint, my proof of identity, and the enclosed FTC Identity Theft Report ( FTC Complaint # XXXX ). 



The fraudulent, inaccurate, and false information includes multiple accounts that were opened without my authorization. These must be removed : This complaint is filed under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that [ TransUnion / Equifax / Experian ] , the credit reporting agency , block and remove fraudulent information appearing on my credit report. 



Under 605B, you are required to block such information within four ( 4 ) business days of receiving this complaint, my proof of identity, and the enclosed FTC Identity Theft Report ( FTC Complaint # XXXX ). 



The fraudulent, inaccurate, and false information includes multiple accounts that were opened without my authorization. These must be removed : XXXX XXXX {$5800.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$780.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Additionally, there are fraudulent addresses and inquiries I do not recognize and did not authorize : XXXX XXXX XXXX XXXX, TX XXXX [ XXXX ] [ INQUIRY ] [ INQUIRY ] These items have caused significant harm to my credit report, as they were not opened or authorized by me. They are the direct result of identity theft and fraud.

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This complaint is filed under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that [ TransUnion / Equifax / Experian ] , the credit reporting agency , block and remove fraudulent information appearing on my credit report.

Under 605B, you are required to block such information within four ( 4 ) business days of receiving this complaint, my proof of identity, and the enclosed FTC Identity Theft Report ( FTC Complaint # XXXX ). 



The fraudulent, inaccurate, and false information includes multiple accounts that were opened without my authorization. These must be removed : This complaint is filed under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that [ TransUnion / Equifax / Experian ] , the credit reporting agency , block and remove fraudulent information appearing on my credit report. 



Under 605B, you are required to block such information within four ( 4 ) business days of receiving this complaint, my proof of identity, and the enclosed FTC Identity Theft Report ( FTC Complaint # XXXX ). 



The fraudulent, inaccurate, and false information includes multiple accounts that were opened without my authorization. These must be removed : XXXX XXXX {$5800.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$780.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Additionally, there are fraudulent addresses and inquiries I do not recognize and did not authorize : XXXX XXXX XXXX XXXX, TX XXXX [ XXXX ] [ INQUIRY ] [ INQUIRY ] These items have caused significant harm to my credit report, as they were not opened or authorized by me. They are the direct result of identity theft and fraud.

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 2025-09-21 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Velocity Portfolio Group
State: NJ

Complaint narrative:
On XX/XX/year>, Velocity Investments , LLC is implementing a scare tactic and legal threats on an account I never signed legal documents with this company. I have no knowledge or experience with Velocity Investments , LLC, they have visited my parents ' residence multiple times disturbing them and their peace in XXXX, PA. They left an apparent document that my mother couldn't understand what or why someone knocked on her and handed her documentation. I do not reside in XXXX, PA and for them to harass my parents twice in XXXX week and use a scare tactic as such is a violation to my consumer rights. They have violated my rights based on - 15 U.S. Code 1692c - Communication in connection with debt collection states, this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate. Also, the inaccuracy reporting by XXXX  and XXXX  affects these challenges. Also, due to data breach and Code 15 USC 1681 these items should be removed. Including XXXX & XXXX  being sued for putting wrong information on credit reports and refusing to change them once disputed. Along with XXXX  data breach violation and lawsuits pending ; these actions and violation should be never done. These methods need to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX XXXX XXXX XXXX TransUnion Subject : Request for Removal of Personal Information from Credit Report Dear TransUnion, I am writing to request the removal of outdated or inaccurate personal information from my credit report. Upon reviewing my credit report, I noticed the following personal details that I would like to have removed : Personal Information to be Removed : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Employment information to be removed XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX The personal and employment information listed above is either outdated or incorrect, and I believe it is unnecessary for it to remain on my credit file. Only personal information that should appear is Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Employer : XXXX XXXX Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of this information. 
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 2025-09-21 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:
As of XX/XX/year> I noticed unauthorized access to my report, resulting in identity theft and fraudulent activity. An FTC report was filed and now Im taking action

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 2025-09-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc
State: TX

Complaint narrative:
This is in connection with the XXXX XXXX transaction. There is no intent to mislead but both XXXX XXXXXXXX and Chime are at fault. I made a purchase late XXXX in the amount of {$1000.00}. I requested for a Charge back around mid XXXX because I didnt receive results from the merchant, XXXX XXXX Around late XXXX of XXXX Chime closed my case stated I did not provide documentation. I then requested to reopen my case and submitted documentation as they requested when I initially open the case for the XXXX time. During this period, Chime was nonresponsive to my emails, and I stood on the phone for on measurable amount of time trying to solve this situation with managers and multiple representatives at Chime. The {$1000.00} its still not been returned to my card as of this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Dave Operating, LLC
State: NC

Complaint narrative:
I reached out to Dave support trying to resolve the issue with my bank. I had an issue with my bank card. And I had to get a new XXXX day. Would not let me add. Or update my new banking information to pay the debt. I reach out to them several times trying to fix the issue. Only to find a resolsend. Since then, Dave has been fraudulently trying to debit money from my account every XXXX  days. I have reached out to them since then, with letters. Of intent asking them to stop telling them to stop contacting me, letting them know that there was a breach of contract in the contract is now void. At this point. Nothing seems to work. I need them to leave me alone. All rights reserved. The living man u c c 1 -308 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IA

Complaint narrative:
I asked for the debt to be validated and I didnt receive any information regarding this and I requested this information XXXX, the collection agency said they validated it but I didnt receive anything back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 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 2025-09-21 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: CA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-21 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
In XXXX, I lost my XXXX account, XXXX directed me to a company called XXXX '', a California company. This company answered me through e-mail and I was advised there was a {$5.00} fee. I was never advised that by using this company one time that there was a monthly membership fee of {$45.00}. I, never, signed up for a monthly membership and was never told this. I have been charged {$45.00} for XXXX and {$45.00} for XXXX. I did go to their web-site to cancel the membership. However, I will not know if the membership was cancelled until I receive my XXXXXXXX XXXX XXXX  statement next month. Consumers need to be told up front that by using : XXXX ' one time, they will be charged {$45.00} a month ....

Company response to consumer: Closed with non-monetary relief