vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have attempted to contact the office multiple times after visiting in person and being informed that the location had moved from downtown to XXXX XXXX and that staff are now working remotely. Despite these efforts, I have not received any response from local staff or my assigned support worker.

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 2025-12-01 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: LA

Complaint narrative:
My name is XXXX XXXX there is no XXXX XXXX involved in the filing of this complaint and this complaint has not been made in error.

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 2025-12-01 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within XXXX ( XXXX ) business days from the date of receipt of this letter. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX. XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. I expect written confirmation by XXXX BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue. 

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 2025-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
In reviewing my credit report I have found the following inaccurate accounts. I have not received any notices from Credit Collection regarding such debt prior to reporting. Account ( s ) disputed : {$830.00} I requested the following : 1. Forward Flow Agreements. 2. Name and Address of the Original Creditor 3. Chain of Assignments 4. Account Level Documentation. 5. Proof Credit Collection is legally authorized to collect this debt 6. Complete payment history and billing statements showing how the amount you claim i owe. My request was in accordance with the FDCPA, 15 USC 1692g.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
I am filing this complaint because Experian, Equifax, and TransUnion are reporting multiple inaccurate, inconsistent, and unverifiable items on my credit reports, including false addresses, name variations, conflicting account dates, and unauthorized inquiries, all of which violate the Fair Credit Reporting Act. Experian is listing the incorrect addresses XXXX XXXX XXXX, XXXX, GA XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX while Equifax and TransUnion are reporting name variations such as XXXX  XXXX and XXXX XXXX XXXX along with additional false addresses including XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX, GA XXXX XXXX none of which are linked to my legitimate identity or residence history. The XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account appears with XXXX different Dates of Last Activity across the XXXX in Experian, XX/XX/XXXX in Equifax, and XX/XX/XXXX in TransUnionXXXX inaccurate reporting in violation of FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), and 607 ( b ), while the XXXX XXXX XXXX XXXX XXXX  account also shows contradictory dates including XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which makes the information unverifiable and non-compliant with FCRA 605 ( c ) and 611. In addition, Experian, Equifax, and TransUnion each list multiple XXXX XXXX inquiries dated XX/XX/XXXX and XX/XX/XXXX under multiple name variations, and TransUnion also reports a XXXX XXXX inquiry dated XX/XX/XXXX, none of which I authorized and which violate FCRA 604 ( a ) regarding permissible purpose and 611 concerning my right to dispute unauthorized inquiries. Despite my attempts to have these inaccuracies investigated and removed, the credit bureaus continue to report the same false, obsolete, and conflicting information, harming my credit profile, causing distress, and preventing me from obtaining fair access to credit as intended under XXXX  law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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 am filing this complaint because Experian, Equifax, and TransUnion are reporting multiple inaccurate, inconsistent, and unverifiable items on my credit reports, including false addresses, name variations, conflicting account dates, and unauthorized inquiries, all of which violate the Fair Credit Reporting Act. Experian is listing the incorrect addresses XXXX XXXX XXXX, XXXX, GA XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX while Equifax and TransUnion are reporting name variations such as XXXX  XXXX and XXXX XXXX XXXX along with additional false addresses including XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX, GA XXXX XXXX none of which are linked to my legitimate identity or residence history. The XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account appears with XXXX different Dates of Last Activity across the XXXX in Experian, XX/XX/XXXX in Equifax, and XX/XX/XXXX in TransUnionXXXX inaccurate reporting in violation of FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), and 607 ( b ), while the XXXX XXXX XXXX XXXX XXXX  account also shows contradictory dates including XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which makes the information unverifiable and non-compliant with FCRA 605 ( c ) and 611. In addition, Experian, Equifax, and TransUnion each list multiple XXXX XXXX inquiries dated XX/XX/XXXX and XX/XX/XXXX under multiple name variations, and TransUnion also reports a XXXX XXXX inquiry dated XX/XX/XXXX, none of which I authorized and which violate FCRA 604 ( a ) regarding permissible purpose and 611 concerning my right to dispute unauthorized inquiries. Despite my attempts to have these inaccuracies investigated and removed, the credit bureaus continue to report the same false, obsolete, and conflicting information, harming my credit profile, causing distress, and preventing me from obtaining fair access to credit as intended under XXXX  law.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please remove these accounts as they violate my FCRA rights, Block these accounts and remove them from my report. FCRA 15 USC 1681c2 and forward me a copy of report with corrections have been made, I have been found to be a victim of identity theft. Please refer to letter included in upload. Enclosed is also a copy of my ID, and Proof of my address.

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 2025-12-01 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: MD

Complaint narrative:
Please remove these accounts as they violate my FCRA rights, Block these accounts and remove them from my report. FCRA 15 USC 1681c2 and forward me a copy of report with corrections have been made, I have been found to be a victim of identity theft. Please refer to letter included in upload. Enclosed is also a copy of my ID, and Proof of my address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Issue The continued presence of this account on my credit reports has caused significant harm to my financial standing. Specifically : XXXX has acknowledged issues but has failed to resolve them with the credit bureaus. 
The inaccurate reporting has persisted for more than four months. 
These unresolved errors are directly impacting my ability to secure financing attached letter form XXXX  acknowledging 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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Issue The continued presence of this account on my credit reports has caused significant harm to my financial standing. Specifically : XXXX has acknowledged issues but has failed to resolve them with the credit bureaus. 
The inaccurate reporting has persisted for more than four months. 
These unresolved errors are directly impacting my ability to secure financing attached letter form XXXX  acknowledging 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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Issue The continued presence of this account on my credit reports has caused significant harm to my financial standing. Specifically : XXXX has acknowledged issues but has failed to resolve them with the credit bureaus. 
The inaccurate reporting has persisted for more than four months. 
These unresolved errors are directly impacting my ability to secure financing attached letter form XXXX  acknowledging fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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 do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TX

Complaint narrative:
Ive been disputing this situation for nearly a year now today XX/XX/year> I attempted again to contact t customer support at chime. I let them know that I could not access my account that I had not been able to access my account for quite some time that the email address password and phone number had all been changed when I contacted them about this information, they offered me, no support. They said that the account had been closed. They could not tell me any more information after that. But before that, I explained the dem that I had transactions that were not authorized by me. So I canceled the cards that I was using that regular chime card and the credit bill record and had new ones delivered while the new cards. Never arrived to my home and from that point forward. I was not able to access the account. They offered me no help whatsoever. 
I can't remember so Specific dates, I would have to go back and look to see, but there's been multiple times where i've tried to authorize the account or access the account and nothing.I was I able to accomplish accessing the account at all? And that I had a checks deposited in there that were not refunded to me and I do believe this is a case of either fraudulent use or identity. Theft, and I need some support. I'm not sure what steps to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
I am disputing the following items on my TransUnion credit report because they may contain inaccurate or unverifiable information. I request that TransUnion investigate these accounts and correct any discrepancies as required by the FCRA.

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please verify the purpose of these inquiries or remove them if they were unauthorized.

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 2025-12-01 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: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the XXXX behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-12-01 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This company is constantly calling and harassing me to make a payment whenever I have no record of missing any payments, I make very good money, I work at a XXXX XXXX company, I wont have any issue paying it, but they are treating me like Im delinquent. 

They called me at XXXX XXXX  on a Sunday night, and they have been doing this continually to the point where I have to block their number. This is harassment in my opinion. I would like to pay the remaining balance on this card and cancel it forever. This company is obviously predatory.

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 2025-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: HI

Complaint narrative:
On XX/XX/XXXX, I used XXXX to finance a purchase from XXXX. The order was never delivered. I contacted XXXXXXXX  multiple times to resolve this issue : on XX/XX/XXXX, and XXXX ; XX/XX/XXXX and XXXX ; XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX ; and again on XX/XX/XXXX and XXXX of XXXX, as well as several times through their contact page ( exact dates unknown ). XXXX gave me the runaround for months, claiming warehouse delays and promising shipment. Their website appears to have shut down, suggesting they may be out of business. 

I also contacted XXXX multiple times to report the item not received issue. XXXX refused to assist, citing that the order was older than 120 days, even though this was a non-delivery situation, not a return. It is not my fault that this timeline fell outside XXXX policy. I am extremely disappointed in how XXXX handled this situation. I am requesting that XXXX investigate and refund the payments for merchandise I never received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: 21ST MORTGAGE CORP.
State: GA

Complaint narrative:
Me and wife, XXXX XXXX was misled into a fraudulent mobile-home financing agreement involving 21st Mortgage and XXXX XXXX XXXX XXXX We signed a contract before approval, and later discovered mismatched loan terms, altered documents, and insurance added without proper disclosure. Multiple conflicting versions of the documents exist. Evidence shows predatory assignment arbitrage and violations of TILA, UDAAP, and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
When I went to pay these items I was told that I had to pay a collection service and they company refused payment I DID NOT sign a payment contract with Credit Collection Services but for some reason they think that I did The money that they want is {$93.00} - {$76.00} - {$260.00} - {$650.00} yes the amounts are small and the companies refused payment from me and I lost my job XX/XX/year> and Credit Collection Services boy they think that I owe them but I didnt sign a contract with them XXXX XXXX they wouldnt let me pay them they sent my {$630.00} back and told me to pay a collection service XXXX  I DID NOT sign a contract with them XXXX XXXX XXXX XXXX wants {$1100.00} I DID NOT sign a contract with them XXXX XXXX they canceled all of my Direct payments to creditor and didnt tell me and they sent what I owed to a collection service XXXX  was XXXX XXXX XXXX XXXX XXXX has informed me that I owe them {$750.00} I NEVER Received {$750.00} from them and then to top it off XXXX who I owe {$7900.00} I informed them that I lost my job and I was told no worries instead of helping me with lower payments they sent the loan papers to XXXX XXXX XXXX XXXX  XXXX In XXXX, CO and this company want me to pay {$13000.00} I DID NOT SIGN any loan agreement As long as these collections service want to keep hitting my credit score then I will not be able to get another job business do look at credit scores and if the score is low then I will not get a loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope this letter finds you well. I am writing to request your assistance in updating certain accounts reflected on my credit report. Upon review, I found information that appears to be outdated or inaccurate. I respectfully ask that my credit file be corrected to ensure it accurately reflects my current and verified financial 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 non-monetary relief