vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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: PA

Complaint narrative:
I am submitting this complaint against Equifax and TransUnion for reporting late payments and hard inquiries that are inaccurate, unverifiable, or improperly documented in violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. 

XXXX XXXX Accounts in Dispute : XXXX. XXXX XXXX ( XXXX XXXX ) XXXX marked with XXXX missed payments ( XXXX days late ) including dates in XXXX, XXXX, XXXX, and XXXX. 
No signed payment agreement, payment history logs, or original account-level documentation have been provided to validate these derogatory marks. 
Per FCRA 607 ( B ) and XXXX XXXX XXXX XXXX any unverifiable or inaccurately reported delinquencies must be removed. 
XXXX. XXXX XXXX ( Credit Card Closed ) Showing XXXX missed payments prior to closure. 
Failure to supply proof of delinquency supported by original records violates FCRA 611 ( A ) and XXXX XXXX requirements for accurate reporting of payment history. 



Hard Inquiries in Dispute : The following inquiries, reported by TransUnion, are not authorized or lack permissible purpose under FCRA 604 ( a ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries must be removed if the furnishers can not provide documented proof of my written consent or a permissible purpose for obtaining my credit file. 



FCRA XXXX XXXX XXXX Violations : FCRA 602A & 607 ( B ) : All items must be complete and accurate. 
FCRA 611 ( A ) : Requires deletion of unverifiable or inaccurate information after reinvestigation.

FCRA 623 ( A ) ( 1 ) : Furnishers can not report information they know or should know is inaccurate.

FCRA 604 ( a ) : Hard inquiries must have a permissible purpose and be authorized by the consumer. 
XXXXXXXX XXXX XXXX XXXX : Late payment indicators must be supported by valid, verifiable records. 
XXXX XXXX XXXX XXXX XXXX : Any disputed account must reflect an active dispute ; failure to do so violates both XXXX XXXX and the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: EQUIFAX, INC.
State: MI

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 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 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 have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced 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 breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES LISTED XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: PA

Complaint narrative:
On XX/XX/year>2025, I mailed a formal dispute to TransUnion regarding the accuracy of the [ name of creditor/account, e.g., XXXX XXXX XXXX XXXX account reporting on my credit file. I specifically requested verification of the account, including the original signed contract, a complete payment history from inception, and all documents used to verify the accuracy of the account, as required under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) and 611 ( a ) ( 6 ) ( B ) ( iii ).

TransUnion failed to provide me with the requested documentation. Instead, they sent a generic form letter stating the account was verified without producing any evidence from the furnisher to substantiate the reporting. This is a violation of my rights under FCRA 611, which requires the credit reporting agency to conduct a reasonable reinvestigation and provide me with all relevant information obtained from the furnisher.

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 2025-08-09 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: GA

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 ONE 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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently looked at my credit report and found multiple INquiries that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent Inquiries from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentInquiries below. XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me XXXX  XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-09 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me XXXX  XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX - Opened XX/XX/XXXXXXXX  With a balance of {$260.00} XXXX XXXX Opened XX/XX/XXXXXXXX  With a balance of {$660.00} All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the 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 2025-08-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing multiple unauthorized inquiries, fraudulent accounts, and incorrect personal information on my Equifax credit report. 
Unauthorized inquiries : XXXX XXXX, XXXX XXXX, XXXX, XXXX. 
Fraudulent/identity theft accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Incorrect personal information : XXXX XXXX XXXX XXXX XXXX CA XXXX ; Previous Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX. 
I am a victim of the XXXX  Equifax data breach. I request removal of all inaccurate, unverifiable, and fraudulent information under the FCRA and a corrected credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: KY

Complaint narrative:
Just got a denial letter on an application that I did not apply for. I need to know who, when and how the application was submitted. Under no circumstances do I want to proceed.

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 2025-08-09 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: 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 ONE 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 2025-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
This is a follow-up to Complaint # XXXX. TD Banks denial is unacceptable and avoids the central issue : the banks failure to exercise basic XXXX  and XXXX duties before allowing XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) and its operator, XXXX XXXX XXXX XXXX operate an account used solely for fraud. 

My {$72000.00} in wires were obtained through criminal misrepresentation. The account should never have been opened given the obvious red flagsno business licensing, XXXX XXXX XXXX or legitimate operations. TD Bank ignored these and facilitated the scam. 

This is not an isolated case : another victim, XXXX XXXX, had {$25000.00} refunded by XXXX after they found the transaction improper. TD Banks wire recall was a meaningless formality with no real effort to recover funds. 

I demand that TD Bank be held accountable, issue a full reimbursement, or provide a verifiable, evidence-supported account of its investigation into both the account holder and the fraudulent transactions. Anything less will be further evidence of willful disregard for customer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: SC

Complaint narrative:
I am a victim of identity theft. Someone has used my person information to open up these fraudulent accounts. I have never gave anyone permission to open these accounts in my name without my authorization or consent. This has really affected my ability to provide properly for my family. Inquiries are 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 2025-08-09 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: SC

Complaint narrative:
I am a victim of identity theft. Someone has used my person information to open up these fraudulent accounts. I have never gave anyone permission to open these accounts in my name without my authorization or consent. This has really affected my ability to provide properly for my family. Inquiries are 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 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XXXX XXXX first I made a purchase through XXXX with XXXX and my address was incorrect so cancel and did the transaction again the transaction amount was XXXXXXXX XXXX XXXX XXXX  refunds based on the cancelation XXXX was XXXX and the other was XXXX will I receive the {$7.00}? 
Yeah, I checked for the XXXX on the first on the second and I reached out to XXXX  they inform me, No worries. I'll get the refund. It would sent on aungust XXXX to my bank. We're on the third I'm looking for the transaction. Nothing showed up on XX/XX/XXXX. I'm strolling through the transaction and XXXX and behold. I received that transaction on XXXX. Second I told them they were lying that I had reached out. I had been looking back and forward into my account. Looking for that refund to hit my account? It never occurred so I asked him to please place the money into my account. It's only {$5.00} and XXXX XXXX why I take it? It doesn't belong to them. Will they state it to me? Oh. 
It was placed on in the account that I had a negative balance of {$5.00}. I said you guys are lying. I stated, I know, the transactions that I made, I made a {XXXX XXXX XXXXransaction after that and I know that I had been searching back and forward for that particular transaction. So how did I have a negative {$5.00} and made a XXXX purchase right after that.The math wasn't adding XXXX could not explain that they just kept stating that it was put into the account on the XXXX. I stated to XXXX was it placed in the account on the second when they didn't send the refund untiXXXX XXXX XXXX XXXX XXXX XXXX could not explain that either. I kept asking XXXX please send me my refund.Because they didn't operate on the second which was a sat during the hours XXXX XXXX XXXX XXXXch just so happened to be the exact same time that the {$7.00} transaction taken place. I have proof of there lies and want it replaced. Where's the money? Because it wasn't in there on that date. They stated.

Company response to consumer: Closed with monetary relief