vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-09 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: GA

Complaint narrative:
I am filing this complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ) concerning the personal information listed on the consumer report of XXXX XXXX. 

Experian is reporting inaccurate and incorrect personal information on her credit file. Specifically : Name : My legal and correct name is XXXX XXXX. There should be no variation or alternative names listed. Any other name ( XXXX ) reflected on my report are incorrect and not authorized by me. 
Address : My correct and current address is XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX. No other address should be associated with my credit file. Any additional addresses are erroneous and do not belong to me. 
This inaccurate reporting is causing confusion and potential harm to my ability to apply for credit and verify her identity. Pursuant to the Fair Credit Reporting Act, Experian is required to ensure maximum possible accuracy of the information contained in consumer reports ( 15 U.S. Code 1681e ( b ) ). By maintaining and reporting incorrect personal information, they are in direct violation of this requirement.

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 2025-06-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: FREEDOM FINANCIAL NETWORK
State: KY

Complaint narrative:
XX/XX/year> estimated enrollment for the consolidation was XXXX with a program length of 48 months at a monthly cost of XXXX With freedom debt relief, before even closing and consolidating with the credit card companies my interest rate shot up to another XXXX before the completion of the agreements began between fdr/achieve. Once settlements were made, my enrolled debt remained the same. 

Almost XXXX invested into the fdr program and what I couldve done myself turned into me saving XXXX bucks a year later. VERY misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been a victim of Identity theft and found some fraudulent inquiries that I did not authorize on my credit report. Here are the fraudulent inquiries I've found due to identity theft. 

XXXX XX/XX/year>

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Several companies have accessed my credit report without authorization, damaging both my credit and score. Despite prior assurances from your representative that these inquiries would be removed, they remain. This inaction is unacceptable and raises serious concerns of identity theft. I am experiencing ongoing financial and emotional harm. I demand an immediate investigation and the urgent removal of all unauthorized inquiries from my 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 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
A year ago I had a Robinhood account with {$4400.00} in it they closed my account and there was absolutely no way to call them or speak to them this is ridiculous how can this company still exist they say they have the right to do this that wrong after a year of closing my account my funds shouldve been sent to me period how is Robinhood still in existence?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
Filed complain via cfpb. Response was not sufficient.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a dispute with Experian regarding two inaccurate accounts on my credit report. Instead of correcting the issues, Experian updated both accounts with even more incorrect information, which has worsened my credit profile.

I provided supporting documentation, but Experian either ignored it or failed to conduct a proper investigation. The changes they made are false and have negatively impacted my credit score and financial opportunities. 
I am requesting that Experian conduct a proper review and permanently delete both disputed accounts from my credit report. I also request a full explanation of how the updated information was verified.

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Cascade CISS Holdings, LLC
State: FL

Complaint narrative:
Rocket mortgage pulled a hard inquiry without my permission. 
I never authorized them to pull a hard inquiry, i confirmed with agent with regards to the inquiry they will pull and was told multiple times in writing, it was going to be soft inquiry. then they pulled a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Cascade CISS Holdings, LLC
State: FL

Complaint narrative:
XXXX XXXX  pulled a hard inquiry without my permission. 
I never authorized them to pull a hard inquiry, i confirmed with agent with regards to the inquiry they will pull and was told multiple times in writing, it was going to be soft inquiry. then they pulled a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been a victim of identity theft and found some fraudulent inquiries that I did not authorize on my credit report. Here are the fraudulent inquiries I've found due to identity theft. Also I attached my identity theft report as well. 

XXXX XX/XX/year> 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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Santender erroneously wire transfered {$2500.00} in XXXX and XX/XX/year> without my approval

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 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I enrolled in XXXX XXXX financial hardship program due to a difficult financial situation. Since enrolling, my income has decreased further, and Ive missed the past XXXX payments. I have reached out multiple times to explain my situation and request additional support, such as a temporary forbearance or adjustment to the plan. Despite my good faith efforts, AMEX has been unwilling to work with me or offer any form of relief. 

Ive asked for help repeatedly, but their representatives have not provided any useful options. I am doing everything I can to avoid default and stay on top of my obligations, but I can not afford the current plan. I am simply asking for AMEX to provide a temporary adjustment or a reevaluation of my hardship status so I can keep working toward paying this off. 

Im requesting the CFPBs assistance to help get AMEX to take my situation seriously and offer reasonable options based on my current financial hardship. 

I am struggling financially at the moment, and asked if I can please do {$50.00} a month, and they keep telling me that it's going to collections. I asked what can AMEX offer me : ( please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$130.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$230.00}

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 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have payed the monthly payments to care credit every month and Im still being hit with missed payments which is holding my credit report back its very frustrating and when I reach out to them they tell me theres nothing showing or theres nothing they can do and to reach out to the credit bureau but there the ones reporting to the bureau

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 2025-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
A couple years ago I ran into a scam on XXXX. I was tricked into sending {$300.00} through Zelle but when I requested to see if I could get my money back, they told me there was nothing they could do about it. I had already sent it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year> I received a phone call from someone impersonating XXXX banks fraud department. I also had receive text messages from them as well. They claim my account has been compromised and instructed me to transfer my entire XXXX  balance to my XXXX XXXX card saying they would issue me a new bank card I've followed the instructions transferring {$1200.00} from my XXXX  account to my XXXX XXXX account. They then provided a chime Visa card number and told me this was my new replacement card. I transferred the {$1200.00} to that card via XXXX XXXX later I discovered this was part of a scam. The chime card did not belong to me. It was in fact controlled by the impersonator. I contacted chime immediately after relaying the fraud, explain the situation I requested help and recovering the funds are flagging the receiving acco however, I was told by multiple chime representatives that they could not assist because I was not a chime account holder, they could not provide the card number ( which the scammer had me delete ) despite this fraud involved, a chime issued Visa card, and I believe chime has the ability to investigate this matter internally to protect other consumers and prevent further misuse of their platform

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Personal Credit Report for : XXXX XXXX File Number : XXXX Date Created : XX/XX/XXXX Personal Information Your SSN has been masked for your protection. 
Also Known As Addresses Credit Report Date XX/XX/XXXX Social Security Number XXXX Date of Birth XX/XX/XXXX Name XXXX XXXX XXXX AKA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Balance {$570.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Balance {$7700.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Balance {$560.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Balance {$650.00}

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} DEPTEDXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$940.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : XX/XX/XXXX XX/XX/XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XXXX. My Amex credit cards are closed by the company all of a suddent and saying that I misuse those cards. I am very confused about it, and AMEX could not provide the detail how i misuse it. 
XXXX. I have about XXXXXXXX XXXX point in my account. The Amex just take my rewards and didn't let me transfer them or redeem them.

Company response to consumer: Closed with explanation