vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone : XXXX Email : XXXX XX/XX/XXXX TransUnion TransUnion LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Cease and Desist Unauthorized Sharing of My Personal Information This letter serves as formal notice that I do not authorize the disclosure, sharing, or dissemination of my personal information without my express written consent. Under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency may only furnish a consumer report under limited, permissible purposes as defined by federal law. Any sharing of my consumer report or personal data outside these permissible purposes, and without my written consent, constitutes a direct violation of federal law. Additionally, the Right to Financial Privacy Act ( 12 U.S.C. 3401 et seq. ) reinforces that personal and financial information can not be disclosed to third parties without consumer authorization, court order, or other narrowly defined exceptions. Therefore, you are hereby instructed to : XXXX. Cease and desist from sharing, disclosing, or distributing my personal or financial information to any third party without my prior, written consent. 
XXXX. Provide written confirmation within XXXX days that my information will not be disclosed outside of the permissible purposes outlined in 15 U.S.C. 1681b. 
XXXX. Document and disclose all entities with whom you have shared my information in the past XXXX  months. 
Failure to comply will constitute willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o, and I will pursue all remedies available under law, including statutory damages, attorneys fees, and injunctive relief. This letter places you on legal notice. I expect full compliance and written confirmation within XXXX  days. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX Email : 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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I am submitting a formal request for a security freeze to be placed on my consumer file, as provided under 15 U.S. Code 1681c-1 of the Fair Credit Reporting Act ( FCRA ). Under federal law, once a consumer reporting agency receives a valid request along with proper identification, it is legally obligated to place the security freeze within XXXX business day for requests made online or by telephone, and within XXXX business days for requests made by mail. This request is being submitted electronically via the CFPB portal, which qualifies as an online submission directly received by your agency. Accordingly, your statutory obligation is to complete the freeze within XXXX business day of receipt. I have attached my signed request letter and all standard forms of identity verification, including a government-issued ID and proof of address. These documents are sufficient and meet industry standards. I am utilizing the CFPB portal intentionally, to establish a clear, time-stamped, and verifiable record of delivery and agency response. In light of ongoing litigation and regulatory scrutiny involving consumer reporting agencies ' failure to fulfill statutory duties, this submission route serves as a preemptive safeguard against noncompliance. It also eliminates the possibility of lost requests, manufactured delays, or unsubstantiated procedural hurdles. I expect this request to be completed within the timeframe mandated by law, with a formal confirmation and issuance of any required PIN or reference number. Any attempt to delay, ignore, or complicate this process will be treated as a failure to comply with federal law. Be advised that noncompliance is enforceable under 15 U.S. Code 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ), and may expose your agency to civil liability, actual and punitive damages, and attorneys fees.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax Equifax Information Services, XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX Subject : Formal Demand for Immediate Removal of Injurious Information Under Federal Law I am formally disputing any and all inaccurate, incomplete, unverifiable, or otherwise injurious information being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681 et seq., you are legally obligated to ensure that all information furnished and maintained in my credit report is accurate and complete. 
Specifically, I demand the immediate removal of any and all negative or injurious information that can not be fully verified in compliance with federal law. The following case law establishes your duty : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) The court held that credit reporting agencies must go beyond the original source and conduct a reasonable investigation of disputed information. 
- XXXX v. XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) Reinforced that inaccurate and unverified data must be deleted when challenged. 
- XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Clarified that negligence in verifying information violates the FCRA. 
Furthermore, 15 U.S.C. 1681i requires that any disputed item be reinvestigated within XXXX  days, and if the information can not be verified with competent evidence, it must be deleted immediately. 
Any failure to comply will constitute willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o, for which I will seek all available remedies, including statutory damages, attorneys fees, and injunctive relief. 
Accordingly, I hereby demand the immediate deletion of all injurious items from my credit report that can not be independently verified in full compliance with federal law. 
Please provide me with written confirmation within XXXX  days that the requested deletions have been made. 
Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed accounts that were not reporting correctly. There are late payments shown on the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX they were in fact paid on time.The consumer reporting agencies need to report all information with complete inaccuracy. These accounts had not and have never been late on payments. I have attached a copy of my report to this complaint and now I am requesting you to investigate these accounts and delete these late payments immediately.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
The following accounts were disputed with all credit bureaus due to regular late payments that I believe were reported inaccurately. XXXX bureau found the information to be incorrect and removed the late payments from my credit report. However, the other bureaus either failed to respond appropriately or returned generic, unverifiable responses. This has resulted in inconsistent credit reporting across bureaus and demonstrates non-compliance with FCRA obligations to correct unverifiable data. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My name is XXXX XXXX please take note that I am personally writing this complaint. Again, no third party involved. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I am not aware of all of this stuff ; I will have the FTC investigate on this matter.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this follow up complaint Under FCRA 609  ( a ) ( XXXX ) 15 U.S.C. 1681g ( a ), ( XXXX ), FCRA 607  ( b ) 15 U.S.C. 1681e ( b ), FCRA 605B 15 U.S.C. 1681c-2, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) I am entitled to a complete and accurate disclosure of all information in my credit file. However, the disclosures I have received are incomplete and inconsistent, with certain inquiries, addresses, and account details missing or reported differently across bureaus. This failure denies me the right to full disclosure of my credit file.5241 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX * Balance : {$1400.00} 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 XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this follow up complaint Under FCRA 609  ( a ) ( XXXX ) 15 U.S.C. 1681g ( a ), ( XXXX ), FCRA 607  ( b ) 15 U.S.C. 1681e ( b ), FCRA 605B 15 U.S.C. 1681c-2, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) I am entitled to a complete and accurate disclosure of all information in my credit file. However, the disclosures I have received are incomplete and inconsistent, with certain inquiries, addresses, and account details missing or reported differently across bureaus. This failure denies me the right to full disclosure of my credit file.5241 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX * Balance : {$1400.00} 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 XXXX XXXX XXXX XXXX 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 2025-08-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DailyPay, Inc
State: MT

Complaint narrative:
Hi i work for XXXX XXXX and was receiving daily pay for a month or so till they tried to say i was over paid so I canceled my daily pay account and completely deleted daily pay out of my direct deposit information and my pay account at work and haven't had an issue for the last couple pay periods I got my checks like I normally would until till payday I checked my paystub and daily pay was added back to my account and direct deposit information with out my consent and they took my check and kept it and are refusing to pay me my XXXX dollar check when it is illegal for them to add themselves back to my direct deposit account at work its been since XXXX that they stopped receiving my check and they have been deleted from my direct deposit since then and now they are added back I did not consent for them to get my checks again and am on the verge of being homeless with XXXX kids because of them taking my check with out my consent they refuse to fix the issue amd give me my check when they illegally took it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: SC

Complaint narrative:
I tried to make a purchase in XXXX XXXX. The bank had a blackout on the cash app app. They could not retrieve a {$500.00} transfer back to savings. The purchase was not made. The funds were said to have been withdrawn by an unauthorized bitcoin transaction. I have reason to believe the perpetrators maybe in paran XXXX my television services are in XXXX. The technology they are using maybe downing airplanes and I just want my {$500.00} back and safe travels again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established under my name. I would appreciate it if you could consider this situation while reviewing my credit report and take appropriate actions to rectify any inaccuracies or fraudulent activities.

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 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/year>, I discovered unauthorized charges totaling {$9200.00} ( or {$10000.00} ) on my Apple Credit Card ( issued by Goldman Sachs Bank USA ). I immediately reported the fraud and requested an investigation. Despite my evidence, the bank refused to recognize the charges as Unauthorized and held me responsible. I also requested the reason for their initial decision but did not receive a proper explanation. I filed a police report with the XXXX XXXX Police Department ( Report No. XXXX, XXXX XXXX, Badge # XXXX ). The bank delayed more then fore months before issuing an unfair and unprofessional decision, which caused me significant stress and financial harm.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: WV

Complaint narrative:
I attempted to lease property from XXXX through Acima leasing. Acima admitted to a glitch in their system and my items were never paid for. They however will not close this lease even after I submitted proof that XXXX did not ship my items because they were not paid for. I was told that auto draft for payment would be halted and all communication stopped until this was resolved. Attached is an email I received threatening me to return the property, which I never received. Also attached is confirmation from XXXX that Acima did not pay for the items. Ive gotten runaround during the XXXX calls I have made that the system needs to update etc, but yet it never does and they did attempt auto draft as recently as yesterday, which my bank was made aware of but I was still charged a fee. This company also lies online that they are a credit building company and it was after I signed a lease through Acima for XXXX XXXX XXXX that this is no longer true. They are falsely advertising, as well as what they are doing to me through XXXX. I have recorded calls confirming everything I am saying here.

Company response to consumer: Closed with non-monetary relief