vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$5800.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and 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 and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
On Wednesday XXXX, XXXX  I moved and in the process of moving I lost my wallet and had to order new debit cards from all of my banks. XXXX, XXXX & TD bank. I have received my XXXX card from expedited shipping and have not received my TD bank card yet! My direct deposit was deposited into my TD account around XXXX on XX/XX/year>. As previous stated I do not have my debit card for TD so I have zelleing money in/out of my TD to XXXX  or vice versa. this attempt for {$970.00} has not been first time moving money out of my account through XXXX specifically to XXXX. I got an email on XX/XX/XXXX at XXXX saying my XXXX  account has been suspended. Another email at XXXX saying that Your Send Money with XXXX profile is on hold. When I called at XXXX on Wednesday they werent able to verify me through a verification codes so I answered questions about my identity and transactions that were posted in the account. She said she couldnt verify me.. and I had to go to a branch. I let the lady know I do not have a state ID. Im waiting on my birth certificate to get a new one. She then said I can go with a SSN or a birth certificate. I went down there to the branch in XXXX XXXX XXXX MD and the man said He needed an ID. So her information was false and Im upset I cant remember her name. When I left I called again around XXXX and a nice man named XXXX actually helped and had my transferred to the fraud department. Once I was transferred to fraud department the lady put it in the request. The request was put around XXXX. She said to try logging back in at XXXX. I tried and tried. I was still locked out. I called again around XXXX and was transferred to the XXXX XXXX department XXXX He said newer accounts can take anywhere from XXXX hours. That information was also not told to me from the fraud department. I called later on Thursday XX/XX/XXXX at XXXX. Explained the situation she said that I had to wait a full business day. So it went from two hours, to XXXX hours, to now waiting a business day. Now its XX/XX/XXXX and I spoke to somebody at XXXX because now XXXX hours have passed. She says nobody has looked at the ticket. She said shes putting in another ticket and usually this type of matter only takes XXXX hours. She now there a total of XXXX tickets put in and Im still locked out of my XXXX account. This is absolutely XXXX ridiculous. When I do get back in trust and believe TD will never see another direct deposit or anything of the sort. The most convenient bank is straight BS. In the time frame out 2 days I have spoken to one person at a branch and XXXX representatives over the phone and have gotten no answers but the run around and still locked out of my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I applied for furniture and I was declined. I called and asked why I was told by Acima that I had a old debt in XXXX in a different state. I told them I was not aware of this debt, I was not informed, it was not on my credit report. I recently filed for XXXX  and this was not on my credit report I was not aware of this debt. They told me I needed to file a police report. I called the police to file a report as instructed and was told I could not make a report this was in XXXX and it was not in their judication. I have called Acima and they still not assist with having this removed from my account. This is not me. spoke with XXXX in resolutions said this is is not on my credit report there is nothing Acima can do about this negative bluish on my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRSTBANK PUERTO RICO
State: OR

Complaint narrative:
I have made complaints to your department before. Please check XXXX The bank charges me a {$10.00}. XXXX dormant fee each month, along with a {$3.00} maintenance fee which is a total of {$13.00} a month that they have been stealing from my account for the past XXXX years. 
When they completely drain all my funds they will send me a late fee for several months then report me to the Credit agency. 

They pulled the same scam on my mother. This is theft and I want it to stop. 

My bank account number is XXXX My name is : XXXX XXXX, XXXX I live at XXXX XXXX XXXX XXXX, XXXX XXXX, Oregon XXXX XXXX XXXX E-mail XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : INQUIRIES : 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

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 2025-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
Cash app let someone log into my account and withdraw money to another bank that I have never used on that account! I disputed the transaction and they didnt even take time to investigate before denying my claim! I need my {$6000.00} back and do not have time to wait days just to get a response from cash apps absolutely terrible customer support team. I want my money back immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: MS

Complaint narrative:
On XX/XX/year>, I called the number on my Affirm app listed next to one of my delinquent accounts to ask about how to begin repayment on my loans. I am going to attach screenshots of all correspondence. The agent I spoke to listened to my concern and then began reading off of her screen about Affirm accounts that are currently in bankruptcy. I informed her that I was not in bankruptcy nor were these accounts. She said she understood and then continued to read from her screen concerning accounts in bankruptcy. The language barrier was too much and I was getting nowhere so I ended the call.

I then chatted with an agent, gave them all the details, and was told to contact the third-party collection agency listed on 2 of my 5 delinquent Affirm accounts. I explained that I had already contacted the collection agency ( XXXX ) and was told they no longer serviced my accounts, and to get back in touch with Affirm. The agent said she understood and then restated the need for me to contact XXXX. I ended the chat. 

I then Googled how to get in touch with anyone in the U.S. with Affirm customer service and discovered the same issue I am experiencing is widespread and has been for some years. I came across an email address ( XXXX ), and wrote an email explaining that I wanted to begin repayment on my delinquent accounts. I received a reply stating I would hear back from an agent within 24 hours. 

This morning, XX/XX/XXXX, I received a response concerning my card being stolen. 

There doesnt appear to be a way to reach anyone where native language differences wont be a barrier to effective communication. I doubt I could be any more clear in my language or precise in my needs. 

There is no way to make payments via the website or app. XXXX no longer owns the collection accounts. I have thus far been unable to reach anyone who has enough skill in the English language to be able to communicate regarding my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: WI

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, 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 explanation
Consumer complaint received 2025-08-22 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-22 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: NC

Complaint narrative:
I am writing to dispute unauthorized hard inquiries listed on my credit report pursuant to my rights under 15 U.S. Code 1681b and 1681i.

The following inquiries were made without my permission, are not tied to any open accounts, and violate the permissible purpose clause under the FCRA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and 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 and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: UNITED COMMUNITY BANK
State: GA

Complaint narrative:
I am writing to express my appreciation for the completion of my construction permanent loan after several months of delays. I understand that loan processing can be complex, and I am grateful that the process has finally been concluded.

However, I would like to bring to your attention the impact the delays have had on my monthly payments. At completion, my payment was {$4200.00}. Due to the extended timeline, my payment increased to {$5100.00} for a period of four months. This increase has placed an unexpected financial burden on me. 

Given the circumstances, I kindly request that United Community consider compensation or a credit to offset the additional amount I have paid during this period. I believe this would reflect a fair resolution for the inconvenience caused by the delays.

This transaction was sold to me as a one-time close ; you failed to close after I received my Certificate of Occupancy in XXXX. The loan amount of your final CD is incorrect, as I left XXXX in the draw. Please make these adjustments. 

Thank you for your attention to this matter. I look forward to your prompt response and a positive resolution.

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 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ACIMA CREDIT, LLC
State: OK

Complaint narrative:
I got multiple calls from no caller id while at work and I couldnt answer them so they started calling my girlfriends number and I dont know how they even got that number and started harassing us and so I took the phone and talked to them and they said there like a cop trying to get in contact with me and locate me and they wouldnt tell me why they just kept getting serious and saying I have 3 pending charges for me and she would try and get them dropped but it was fraud and all types of charges and that they were going to show up to my house or my moms house and started threatening more so I gave them her bank card to try and settle but I think its a scam and they were threatening me and now there trying to threaten her with the same thing and collect a debt from her, I just wanted to file a complaint and give the company a chance to respond before I take them to court and sue them for harassment and threading and impersonating law enforcement I recorded the calls.

Company response to consumer: Closed with explanation