vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal 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 : ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX Auto Loans XX/XX/year> TransUnion, XXXX XXXX TO XXXX XXXX, Used XX/XX/year> TransUnion, XXXX XXXX Auto Loans XX/XX/year> TransUnion, XXXX XXXX Credit Unions XX/XX/year> TransUnion 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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal 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 : ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX Auto Loans XX/XX/year> TransUnion, XXXX XXXX TO XXXX XXXX, Used XX/XX/year> TransUnion, XXXX XXXX Auto Loans XX/XX/year> TransUnion, XXXX XXXX Credit Unions XX/XX/year> TransUnion 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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been a victim of identity theft due to the XXXX  data breach. I have attached my identity theft report please remove and block these items. I have also attached the fair credit act law. Please check attachments.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I have been a victim of identity theft due to the XXXX  data breach. I have attached my identity theft report please remove and block these items. I have also attached the fair credit act law. Please check attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: NC

Complaint narrative:
I am a victim of human trafficking 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FMA Alliance, Ltd.
State: CA

Complaint narrative:
Subject : Complaint Regarding Unauthorized XXXX Collection Notice Dear Sir or Madam, I am submitting this complaint regarding a collections notice I recently received from XXXX that I believe is improper and unauthorized. 

The notice from XXXX states : Our records show that we are owed money from you for fees and expenses you have incurred as a result of selling activity conducted on XXXX. 

This statement is inaccurate and misleading. The item in question was never sold, and therefore no selling fees should have been assessed. At no point was I properly informed of or did I authorize these charges. Despite this, XXXX has sent my account to collections, damaging my consumer record and creating undue stress.

I respectfully request that the Federal Trade Commission investigate this matter and require XXXX to : 1. Remove the improper charges from my account.

2. Cease all collection activities related to this matter.

3. Remove any negative reporting or collection notices that may have been shared with credit reporting agencies.

I am enclosing a copy of the XXXX letter for your review.

Thank you for your attention to this matter. I trust that the FTC will take the necessary steps to protect consumers from unfair and unauthorized billing practices.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
I purchased furniture from XXXX in XXXXXXXX XXXX XXXX XXXX XXXX 3 months ago. I was connected to ACiMA a third party XXXX uses to have furniture purchased. It appears that XXXX uses ACiMA as thier loansharking business to deceive consumers out there hard earned monies. Acima at the store rep ( XXXX ) XXXX had us sign several documents, but we were misled by her because she never explained the agreement nor did she inform us that if we didnt pay the furniture within 90 days XX/XX/year> our interest rate would be 50 % and our furniture which we purchased for XXXX turned out to be {$2900.00} almost 3 times the amount purchased. If we were ever informed of that at store we would have never purchased 2 items. I have sent 3 payments total {$800.00} in XXXX last 3 months and no nod of this money has gone toward the principle We owe more now that what we purchased this for. I think this is misleading and deceptive practice and should be investigated, its just not fair. The manager of XXXX XXXX XXXX, ACiMA supervisor XXXX email : XXXX would not help me at all, they told theres nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: MI

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law.

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a series of email from U.S. Bank that they have approved my Smartly Checking Account. As I did not open any accounts with them, I called them on the same day but hanged up as I waited from more than an hour and no one was answering. After searching online on what to do, I opened an Identity Theft account at Federal Trade Commission website and reported the issue. Also, I enrolled a paid subscription on XXXX  to monitor my credit and other personal details. 

I called again on XX/XX/XXXX and told the Customer Service Representative ( CSR ) about the issue, and she told me that they will act on it. I even asked the CSR if U.S. Bank opened the account on my behalf, and she said that they did not, and that the account was opened online.

After a few days of not receiving any advice from U.S. Bank, I called again, and a CSR told me that I have to accomplish a form so they would be able to formally close the account ( which the XX/XX/XXXX CSR didn't tell me ). I requested the CSR to email and send me the form via snail mail just to be sure. On XX/XX/XXXX, I mailed to them the completed form so they can formally close the fraudulent checking account.

However, last week, I received a letter dated XX/XX/XXXX from U.S. Bank that they have closed the account ending in XXXX. This was strange as they should have waited for the form ( mailed on XX/XX/XXXX ) which they requested from me to formally close the account. I suspect that U.S. Bank is continuing to open accounts without someone's consent. They have been caught doing this in the past and they may be doing it again.

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 2025-08-17 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: CAINE & WEINER COMPANY, INC.
State: DE

Complaint narrative:
To Whom It May Concern, I am writing to formally request that you cease and desist all communications with me regarding an alleged debt in the amount of {$780.00}, supposedly dated XX/XX/year>. 
This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ). You are hereby notified to stop all further contact with me about this alleged debt. Any further communication, except as permitted by law, will be considered a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: NC

Complaint narrative:
XXXX XXXX XXXX is reporting a debt to the credit bureaus that I do not recognize and have formally disputed. I submitted a debt validation request under XXXX XXXX. XXXX ( b ) and the North Carolina XXXX XXXX XXXX, demanding documentation to verify the debts legitimacy. Despite this, the company has failed to provide any of the required information, including the original contract, itemized charges, or proof of their legal authority to collect in North Carolina. 

Instead of responding with proper validation, XXXX XXXX continues to report the account to the credit bureaus, which XXXX constitute a violation of both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Their failure to validate the debt or cease collection activity is obstructing my ability to resolve legitimate credit issues and pursue financial goals. 

Requested Resolution : I request that XXXX XXXX XXXX immediately cease all collection activity and remove the disputed account from all credit reporting agencies until full validation is provided. I also request that the CFPB investigate their compliance practices and ensure they are adhering to federal and state consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: UT

Complaint narrative:
PLEASE SEND CONSENT LETTER I WROTE TO GIVE PERMISSION TO FURNISH UNAUTHORIZED ACCTS ON MY CONSUMER REPORTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
PLEASE SEND CONSENT LETTER I WROTE TO GIVE PERMISSION TO FURNISH UNAUTHORIZED ACCTS ON MY CONSUMER REPORTS

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have requested the removal of these companies off of my report yet they are still on my report well after 60 days of TransUnion start date of investigation it is still showing pending not resolved. These accounts are supposed to have been removed after 30 days. Not only have they not been removed Trans Union had caused a data breach of my information causing account to be opened with my information I have requested debt verification several times i would like said account removed from my report as this has met the requirements of 30 days notice and has not been verified nor resolved. XXXX XXXX is still reporting payments being behind, XXXX XXXX XXXX XXXX XXXX is still reporting padded 7 years XXXX XXXX is on the banned list located on the FTC website I have filed a report with the FTC as well. XXXX XXXX  is also listed and should not be reporting on my report. I will be including my photo iD and proof of payments and my FTC case number.

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 2025-08-17 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: Payfare International Inc.
State: ND

Complaint narrative:
I am filing a complaint against XXXX XXXX regarding fraudulent charges on my card and their failure to provide me with a dispute process. On XX/XX/year>, the following unauthorized transactions appeared on my XXXX XXXX XXXX  : XXXX XXXX ( {$4.00} at XXXX XXXX  ), XXXX XXXX XXXXXXXX ( {$24.00} at XXXX XXXX  ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I did not authorize these charges. 

I contacted XXXX XXXX customer service immediately, but they were dismissive, failed to take my concerns seriously, and refused to provide me with the required dispute form. This violates my rights under the Electronic Fund Transfer Act ( Regulation E ), which requires that financial institutions investigate unauthorized charges and provide provisional credit while the investigation is ongoing. 

I am requesting that XXXX XXXX investigate these fraudulent transactions, and issue reimbursement/credit in compliance with Regulation E. Their current refusal to act leaves me unprotected from fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: NJ

Complaint narrative:
I am disputing accounts and/or inquiries on my credit report that do not belong to me and appear to be the result of identity theft. My personal information was exposed in a security incident, as confirmed in the attached notice I received from XXXX XXXX XXXX XXXX XXXX dated XX/XX/year>2025.

This breach letter confirms that my name and Social Security number were compromised. Therefore, I request that the CFPB and the credit bureaus investigate and remove any fraudulent or inaccurate accounts or inquiries associated with my file. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ).

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 2025-08-17 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 disputing accounts and/or inquiries on my credit report that do not belong to me and appear to be the result of identity theft. My personal information was exposed in a security incident, as confirmed in the attached notice I received from XXXX XXXX XXXX XXXX XXXX dated XX/XX/year>2025.

This breach letter confirms that my name and Social Security number were compromised. Therefore, I request that the CFPB and the credit bureaus investigate and remove any fraudulent or inaccurate accounts or inquiries associated with my file. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX ACCOUNT WAS OPENED FRAUDULENTLY XXXX  XXXX XXXX XXXX {$1100.00} XX/XX/XXXX ACCOUNT WAS OPENED FRAUDULENTLY

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX ACCOUNT WAS OPENED FRAUDULENTLY XXXX  XXXX XXXX XXXX {$1100.00} XX/XX/XXXX ACCOUNT WAS OPENED FRAUDULENTLY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: DE

Complaint narrative:
Trans union is racially discriminated against me dropping my credit score XXXX Points for a negative item for XXXX from XXXX XXXX  that cant prove that the debt is valid this is criminal No paperwork showing statements contracts proper ownership of the debt I dont know where the debts come from medical debts are not allowed on the credit report under XXXX dollars.I never got chance to challenge.XXXX I challenge the debt with the consumer financial protection bureau they could not prove the debt this goes against fair credit act and I will take legal action against all three bureaus

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 2025-08-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc
State: OR

Complaint narrative:
On Wednesday XX/XX/year> at XXXX I called William and Fudge , Inc. First I tried to call the person assigned to my debt no answer then called the main phone number XXXX and spoke with XXXX XXXX . I owe roughly {$2000.00}. I called to follow up on my email that I sent them over a week ago that they never responded to. They've sent me emails before I have proof. I spoke with XXXX about the email he promptly pulled it up and they told me they will not communicate to me via email or letter/mail and that they dont do written communication or emails and only phone calls. He told me my only option was to agree to agree to receiving phone calls so i agreed against my own will.Clearly a lie and I do not consent to phone calls anymore. I asked for settlement and he basically told me they wont do it and maybe they would only take 80 % of total amount owed. Again trying to hustle me. He didnt even allow me to explain my current financial situation and hardship. This company also called my family members without my permission and tried to hustle them for information. This person is extremely disrespectful and dishonest. He also threatened me that he could start contacting my neighbors if i didnt start paying right away. He didnt care about at all that i went to school and spent all my money paying for classes and tutoring and paying all the bills and working full time and staying up late till the point of XXXX everyday during homework and studying for tests for months and started work at XXXX everyday until I quit school because I couldn't afford it anymore and I was burnt out trying to work full-time and attend almost full time and support my family. Then not long after that I lost my job to top it all off. So yeah I couldn't afford to pay the debt right away. I dont have {$2000.00} in cash and I want a settlement on what I can afford and I want my requests honored.

Company response to consumer: Closed with explanation