vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: OH

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-05-23 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: OH

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has purged my equifax credit report and will not fix it- I have reached out and provided them all necessary information they have requested- my drivers license, social security card and still no resolution and its been 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Self Financial Inc.
State: FL

Complaint narrative:
About a month - a month and a half ago I contacted Self to request a replacement credit card. My card account was locked and I was told a replacement was issued. It never arrived. I contacted Self again to ask what was going on and I was told the card never arrived as Self is under Lead Bank now and I should be getting a different card. I still did not receive a card, and called, emailed, and sent chat messages to follow up again. I was told by Self that the card STILL HAD NOT BEEN SENT, that it was " being prepared for shipment '' and that it will " take several more weeks '' before I have my replacement card. I am locked out of being able to access my own money on the card until the replacement card arrives. I have asked 3 different times and was told the card was being shipped. It still has not shipped and I am being told I have to now wait SEVERAL more weeks to have my replacement card with access to my own money after making me wait at least a MONTH without sending me my replacement card when I asked. It is a violation and misuse of my trust as a financial services consumer to be locked out of use of my card and prevented from accessing my own money. I asked if they would reissue the replacement card and send it via overnight or priority mail so I can regain access to my own money since I have waited so long. They told me they could not accommodate that. I then asked if they would please transfer all the money from my credit card to my bank account until the replacement card arrives in the mail several weeks from now so I can have access to my own money which I need to have urgently. I have not received a response yet. I need your help and I need access to my own money that I can not get access to due to their mishandling of my replacement card requests and my account in general. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: VA

Complaint narrative:
This CFPB complaint has been filed XXXX request pursuant XXXX FCRA XXXX ( XXXX. XXXX XXXX XXXX XXXX ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, XXXX  fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate XXXX false information consist of personal credit card accounts, auto loans, personal loans XXXX open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries XXXX fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections XXXX  hard inquiries as reported. The aforementioned accounts, collections XXXX hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections XXXX hard inquiries are a result of identity theft, XXXX  fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections XXXX hard inquiries are in fact a result of identity, theft, XXXX 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 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST HORIZON BANK
State: AR

Complaint narrative:
I have opened a business essential checking account on XX/XX/year> at the branch where I used an email promotion code for {$800.00} to be received after completing the conditions of the promotion. All the conditions of the promotion were completed on XX/XX/XXXX however I have not yet received the promotion bonus

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-23 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I contacted XXXX XXXX and transunion for the past XXXX years once I found out my about the XXXX data breach and it started with the XXXX data breach where my information was compermise i wouldn't have known that if I didn't check my credit i am incompetent and my wife is my caregiver and fiduciary so I don't handle money or anything like that i am XXXX percent XXXX a total of 9 new accounts showed up on my credit reports that I need remove two different XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have never lived at some of the address they have on file such as XXXX XXXX XXXX that's XXXX  address I also never lived at a XXXX XXXX XXXXXXXX XXXX they need to catch who is doing this to me and attach the accounts to there name

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 2025-05-23 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: RI

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was checking out at fresh market in XXXX Florida. I made a transaction of approximately {$.00} and mistakenly the cashier kept my debit card open and charged me additional {$83.00} for the next person in line which was an unauthorized transaction. I contacted Wells Fargo. They did nothing about it nor did they do an investigation because clearly if they did an investigation, they wouldve seen that I did not do that charge. It was the person after me in line and they refuse to give me back my money so theyre not protecting my money at all I see .. they need to get the camera footage and they can clearly see

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 2025-05-23 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: DE

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address, and SSN Card.

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 2025-05-23 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Albert Corporation
State: CT

Complaint narrative:
I am writing to bring to your attention an issue I have encountered with Albert regarding payday loans I secured over the past three months. For the past month, the scheduled repayments have not been processed as agreed.

The most recent payment, amounting to {$530.00}, was scheduled for XX/XX/XXXX. Despite autopay being enabled, and Albert 's system being connected to my bank with verified accurate balance information showing sufficient funds, the payment was not deducted. Consequently, my account has been suspended, citing an overdue balance. 
I have spent several hours in communication with Albert 's support team via text chat, requesting the immediate processing of the payment and reactivation of my account. It appears there is an issue within the system as autopay did not function as intended. Despite explaining that the funds were available, I was instructed to make a manual payment, which could take up to a week to process. Given that this delay was not attributable to any fault of mine, but rather a system error, I found this solution unacceptable and contrary to our agreed terms. 
In light of this, I visited my bank and withdrew the funds that were meant for the payment to safeguard them in escrow, preparing to pursue legal action if necessary. I have documented, timestamped screenshots proving the availability of funds on the due date. 
I am formally requesting the refund of all fees incurred due to this error and to be notified of any class action lawsuits that may arise from similar issues. It is clear I am not the only customer affected by these failures.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: AL

Complaint narrative:
I previously disputed the information being reported on my credit report because they were inaccurate, incomplete, and inconsistent with how the same account is reported by other credit bureaus. Despite that, the information remains unchanged and continues to negatively impact my credit report. This suggests that no proper reinvestigation was conducted as required by law. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting a description of the procedures used to verify the accuracy and completeness of the disputed information in your prior investigation. You, as a credit bureau, are legally obligated to provide this information. If the disputed information can not be corrected, or if you fail to provide a description of the procedures used to verify it, then this account must be deleted entirely from my credit report in order to comply with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: CA

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

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 2025-05-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc.
State: OR

Complaint narrative:
In XXXX XXXX, a representative from Carter Young , Inc. stated that if I paid the debt either through a payment plan or a lump-sum settlement, the account would be fully deleted from all three credit reporting agencies. This agreement was restated on XXXX XXXX XXXX when I offered and paid {$900.00} in full. This payment was made based entirely on the agreement that it would result in full deletion of the account. 

After payment, I contacted the company and was told they had no record of the agreement. Their representative became dismissive, interrupted me repeatedly, and ended the call without resolution. I followed up immediately with a certified letter ( sent XXXX XXXX XXXX  ) requesting confirmation of the agreed-upon deletion and full debt validation. I also emailed the same day.

They responded on XXXX XXXX XXXX with a vague confirmation letter stating the debt was settled and would be updated with the credit bureaus. This does not match the original verbal agreement. The term update is not equivalent to deletion, which was specifically promised and relied upon before I made payment. 

I also requested full debt validation under FDCPA 809 ( b ). They only provided a lease and balance summary from the original creditor, not the call recordings, internal notes, itemized breakdown, or proof of assignment I clearly asked for. 

I am requesting regulatory review due to their failure to honor a verbal settlement agreement and their failure to provide full debt validation. I am seeking removal of the tradeline, as originally agreed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-05-23 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 to any 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 non-monetary relief
Consumer complaint received 2025-05-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief