vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following inquiries listed on my credit report. I assert that these inquiries are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

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

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 2025-08-11 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 : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion

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 2025-08-10 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: NY

Complaint narrative:
I am disputing the accuracy of a charged off auto loan reported by XXXX  XXXX XXXX, account number ( XXXX ). 

Under FCRA s611 ( a ) ,15 U.S.C.s1681i ( a ), credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes an account. I requested that the creditor and the credit reporting agency provide documentation providing the accuracy of the reported information, including the signed original contract and a full payment history. To date, no such documentation had been provided.

Under FCRA s607 ( b ), 15 U.S.C. s1681e ( b ), credit reporting agencies must ensure maximum possible accuracy in consumer reports. Continuing to report information that can not be verified violates this provision.

Because the account has not been properly verified and contains reporting inconsistencies am requesting that it be deleted from my credit report.

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 2025-08-10 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: NY

Complaint narrative:
I am disputing the accuracy of a charged off auto loan reported by XXXX  XXXX XXXX, account number ( XXXX ). 

Under FCRA s611 ( a ) ,15 U.S.C.s1681i ( a ), credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes an account. I requested that the creditor and the credit reporting agency provide documentation providing the accuracy of the reported information, including the signed original contract and a full payment history. To date, no such documentation had been provided.

Under FCRA s607 ( b ), 15 U.S.C. s1681e ( b ), credit reporting agencies must ensure maximum possible accuracy in consumer reports. Continuing to report information that can not be verified violates this provision.

Because the account has not been properly verified and contains reporting inconsistencies am requesting that it be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-08-10 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: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: PA

Complaint narrative:
I cancelled a membership for XXXX XXXX XXXX at the beginning of the year around XXXX 2025 and now Aldous & Associates is reach out to me about an unpaid membership that amounts to {$340.00} and threatening to lower my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XX/XX/year>, I attempted to sign up for PayPal Credits Payment Security feature, which provides hardship protection during events such as disability or job loss. Each attempt to enroll displayed the error : Sorry, there was a technical error. Please try again later. 
On XX/XX/year>, I called PayPal Credit customer support about the error and tried to resolve it. I have a recording of this call, showing my good-faith effort to enroll before any hardship occurred. Despite several follow-ups in XXXX, PayPal never fixed the issue or offered an alternative way to enroll. 

On XX/XX/year>, I became XXXX and unable to work. According to PayPal Credits own terms, Payment Security benefits begin 31 days after enrollment. If PayPal had resolved the issue in XXXX or XXXX, I would have been eligible for benefits by the date my XXXX began. 

After becoming XXXX, I contacted PayPal Credit to request hardship assistance. They refused, stating there was nothing they could offer me, despite my documented attempt to enroll and the fact that their system error was the sole reason I was not covered. I called again on XX/XX/year>, to inquire about any hardship or payment assistance programs and was again told there was nothing available.

I believe PayPal Credits refusal is unfair and negligent, as their technical failure directly caused me to lose access to a program specifically designed for situations like mine.

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 2025-08-10 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: NV

Complaint narrative:
On XXXX I had received money from tow people on of the send me XXXX and they put a note saying the it was gon na be for XXXX but they didnt know the real reason they just put that because cash app was asking for a note but after I algo got money from someone else but since the first one was saying XXXX cash app locked my card so it didnt let me move the money so I call to fix my problem all they did was send the first XXXX to the person who send it to me but they didnt fix the problem so now the other rest of the money I cant used it and I really really need it. This is the only way the I had fond and I need the help that money its mine and that money its not a scam it real.I NEED U GUYS TU FIX THE PROBLEM SO I CAN USE MY MONEY THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
XXXXI am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit  report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not  associated with me and must be removed to ensure the accuracy and integrity of my credit profile. \n\nTo ensure my credit report reflects accurate and up-to-date information, I request that my personal information be  updated as follows: \n\n Full Name: XXXX XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security NumberXXXX XXXX Date of Birth:  XXXXTo support my request, I have included the following documentation: \n A copy of my government-issued ID confirming my legal name and date of birth. \n A recent utility bill to verify my current address. \n A copy of my Social Security card to confirm my SSN. \n\nThis correspondence serves as a formal dispute under the Fair Credit Reporting Act (FCRA). I respectfully request that  your agency: \n\n1. Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. \n2. Update my credit profile to reflect the correct information as listed above. \n3. Provide me with a written confirmation once the corrections have been made, along with an updated copy of my  credit report. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: EQUIFAX, INC.
State: SC

Complaint narrative:
i AM A VICTIM OF THE EQUIFAX DATA BREACH THIS SITUATION HAS COSTED ME MY JOB AND OTHER THINGS FROM MY LIVELY HOOD. IVE BEEN TRYING TO HAVE THESE PEICES OFN INFORMATION ON MY CREDIT REPORT CORRECTED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Credit inquiies that did not authorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX I called Chase about a promotion they were having about the XXXX XXXX XXXX  The promotion stated that you get five nights up to XXXX points with qualifying purchases of {$5000.00} in the first three months. I was on the website and didnt see the promotion so I called to speak to a professional at Chase about the promotion on XX/XX/XXXX. The representative told me that the promotion is going on and I will receive it once approved. She also stated that XX/XX/XXXX is the last day for the promotion and needed to apply and be approved that day. I told her I dont see this promotion on the website. She told me that that I must get approved first I told her that Im gon na do the application with you on the phone so I can see the promotion after I get approved. once I got approved I said I dont see the promotion still and she said I dont see it on there either but they have to honor it for you because thats what were offering. I asked her to put it in writing in an email and she told me that she couldnt give me an email but she put it in my notes on my account. I asked her how long it was going to be until I saw the promotion on my account and she said it give it a few days since I just got Approved. She promised me I would be getting the points and not to worry. Its all in the recording phone call. after a week of waiting and still not seeing the promotion offer I spoke to a supervisor and she told me that I didnt qualify for the promotion offer, which is untrue. They said they would escalate and I said they need to pull the tape of XX/XX/XXXX of the representative, promised me the offer that the company must honor it and that it was the last day and that I applied and was approved on time. I gave it some more time I called back and they told me they still denied my promised offer. Im livid. Its very wrong what they are doing to me. If they pulled the tape of my conversation its very clear i applied on time. Its very clear the representative gave me the exact web address to apply for card. Its very clear that she promised me I was going to get the promotion and the company will honor the promotion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that i had fraudulent accounts on my credit report. Please remove these accounts from my report, it is hurting my ability to obtain credit..

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 2025-08-11 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. 

XX/XX/XXXX{$1500.00} XX/XX/XXXX {$3300.00}XX/XX/XXXX{$960.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: GA

Complaint narrative:
XXXX XXXX XXXX Equifax has account reported incorrect information on my credit report XXXX XXXX payment which is an error that reported inaccurate payment information because it is a error in their system

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: AZ

Complaint narrative:
Fraud accounts due to ID THEFT. Please block all fraud 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, US DEPARTMENT OF EDUCATION {$1500.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Charges filed XXXX XXXX POLICE REPORT attached, FTC, social security and ID attached for verification thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: CORELOGIC INC
State: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XXXX XXXX2025 I was XXXX  and l was not released until XXXX XXXX2025. I left my phone in my car when I was XXXX  and someone got into it and gained access to my chime checking account. My phone was used to place many different transactions .. sometimes in XXXX I received a direct deposit for XXXX from XXXX XXXX All of the money was transfered to different people and different purchases were made using my phone. NO PIN WAS USED. I sent documents showing the dates of XXXX  and I sent a copy of the police report I filed to Chime investigators. My claim was still denied and I don't know why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: GA

Complaint narrative:
1. XXXX XXXX XXXX account from has reported inaccuratley for 27 months on XXXX, Equifax, and TransUnion who has also played a part in reporting the inaccurate information and has refused to provide their method of verification of names adddress, phone number and the specialist who continues to falsely report. 


Because of the inaccurate reporting it has caused me, denied credit and much higher interest rates. 

I've suffered from XXXX XXXX  and reputational harm. -- -alot of out-of-pocket expenses that incurred disputing the inaccuracies. 

XXXX reports to the different reporting agencies : XXXX, Equifax and Transunion either closed or open forthe past 27 months on a full termination of the loan and XXXX  monthly payment loan.

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 2025-08-10 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: Mercedes Benz Financial Services
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX  account from has reported inaccuratley for 27 months on XXXX XXXX XXXX XXXX  who has also played a part in reporting the inaccurate information and has refused to provide their method of verification of names adddress, phone number and the specialist who continues to falsely report.

Because of the inaccurate reporting it has caused me, denied credit and much higher interest rates.

I've suffered from emotional distress and reputational harm. -- -alot of out-of-pocket expenses that incurred disputing the inaccuracies.

MBF reports to the different reporting agencies : XXXX XXXX XXXX XXXX either closed or open forthe past 27 months on a full termination of the loan and XXXX  monthly payment loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: AL

Complaint narrative:
I called TitleMax about a repossession. They gave me a settlement price for {$700.00} and I spoke with two representatives about it and they confirmed that it was {$700.00}. Then when I made it to TitleMax, they changed the price and said that the {$700.00} wasnt approved, but I have records of the representative saying that it was approved I dont have the record of the first representative the representatives are also very disrespectful and are not professional at all. Cant remember the correct dates. But I do have recordings

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have filed a police report regarding the identity theft, and I have attached a copy of that report along with a valid government-issued photo ID and proof of address for verification. I am requesting the immediate removal and blocking of all fraudulent accounts, inquiries, and information from my credit file as allowed under the Fair Credit Reporting Act ( FCRA ), particularly Section 605B. Please send me written confirmation once these fraudulent items have been removed from my credit report and provide a copy of my updated credit file. 
Thank you for your immediate attention to this serious matter.

Company response to consumer: Closed with explanation