vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TomoCredit Inc.
State: IL

Complaint narrative:
I realized in XXXX that Tomo Credit wasn't reporting to the credit bureaus, I emailed them and asked why they are still charging me {$79.00} a month for a service they haven't been providing at that time for six months. The guy asked did I have my accounts plugged in so they could report to the credit bureaus. I let him know that the accounts were still plugged in and I researched and found out that they were barred from reporting to the credit bureaus and wanted to know why they was still charging for a service they knew they couldn't fulfil the obligations. He closed the ticket/email thread without responding. I tried to cancel the membership several times in which the system acts as if it allowed the cancellation to go through but I still was getting charged. I had several payment methods on their website in which I can't delete none of them and I made one that was expired as the default to stop getting charged and it still reverts to take the money off another card I had on their website. I've tried everything and I'm still getting charged {$79.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: GA

Complaint narrative:
I am submitting this complaint regarding multiple collection attempts on fraudulent accounts that do not belong to me. 
I am a documented victim of identity theft. I have filed an FTC Identity Theft Report ( Report No.XXXX ) and notified all three credit bureaus. Despite this, the following companies have continued to contact me or report disputed accounts : XXXX, XXXX ( original creditor XXXX XXXX XXXX XXXX XXXX ( servicer/collector on behalf of XXXX  ) TrueAccord Corp. ( third-party debt collector pursuing alleged XXXX  and XXXX  accounts ) Summary of Violations FDCPA ( 15 U.S.C. 1692g ( b ) ) Collectors have failed to provide proper debt validation. I received only conclusory emails and portal links, which do not meet statutory requirements.

FCRA ( 15 U.S.C. 1681s-2, 605B ; 12 C.F.R. Part 1022 ) The companies continue to furnish or attempt to furnish inaccurate information despite being notified of identity theft. Under 605B, once an FTC Identity Theft Report is submitted, fraudulent accounts must be blocked unless undeniable evidence exists of consumer authorization. 


Consumer Harm These actions are causing ongoing XXXX, risk of inaccurate reporting, and repeated contact attempts despite my documented disputes. 


Requested Resolution Full investigation by CFPB into the compliance practices of XXXX, XXXX XXXX, and TrueAccord. 


Requirement that all disputed accounts be blocked and removed from my credit files under FCRA 605B.

Written confirmation that collection activity will cease in the absence of documentary evidence meeting statutory validation requirements.

I have retained copies of all correspondence, including my FTC Identity Theft Report, dispute letters, and the companies responses. These can be provided upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: GA

Complaint narrative:
I am writing to formally dispute information on my credit report that I believe may be inaccurate or compromised as a result of the recent TransUnion data breach. 

My Information : Full Name : XXXX XXXX Date of Birth : XX/XX/year> Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Social Security Number ( last XXXX digits ) : XXXX Disputed Items attached. 

Given the data breach, I am concerned that my personal information may have been misused. I request that these items be investigated and corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

Attached Documents for Verification : Government-issued ID Proof of address Supporting documents related to the disputed accounts Please confirm receipt of this dispute and provide a timeline for your investigation. I request written confirmation of the results and the removal of any inaccurate or fraudulent information. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-09-09 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: MA

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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX 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 XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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, 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 2025-09-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX I called capital one to report that they were putting late payments on my credit card and my auto loan and they were not late

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: Experian Information Solutions Inc.
State: NV

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

1681c2 ) that you, the Experian 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 : XXXXXXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$2300.00} XXXX XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$3000.00} XXXX XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$1100.00} XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$10000.00} XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$11000.00} 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 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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXXXXXX XXXX/2025 XXXX XXXX XXXX XXXX XXXX/2025, XXXX XXXX XXXX XXXX2025, XXXX XXXXXXXX XXXX XXXX/2025, XXXX XXXXXXXX XXXX/2025XX/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 2025-09-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These inquiries were not authorized by me, Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I am filing a complaint against Equifax for unlawfully readding a previously deleted account back onto my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 611 ( a ) ( 5 ) ( B ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ]. The accounts in question are : Creditor Name : XXXX XXXX XXXX  ; Partial Account Number : XXXX, Date of Original Removal : XX/XX/year>2025 Date of Reinsertion : XX/XX/year>2025. This account was previously deleted following a dispute. However, it was recently reinserted into my credit file without any notification or certification, both of which are required under FCRA 611 ( a ) ( 5 ) ( B ). The law mandates that if any previously deleted information is reinserted, the consumer must be notified within five business days and the furnisher must certify the accuracy of the information before reinsertion. I have not received any notice of this reinsertion nor have I received any proof of certification. This failure is a direct violation of my rights under federal law and has caused reputational and financial harm. Permanently delete the reinserted account from my credit report. Provide written confirmation of the permanent deletion. Send an updated credit report reflecting the correction. Identify the furnisher of the data and their certification, if it was provided. Ensure compliance with FCRA 611 ( a ) ( 5 ) ( B ) moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL, XXXX ( XXXX ) XXXX XXXX XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX RE : Dispute of Inaccurate Information on Credit Report XXXX To Whom It May Concern, I am writing to formally dispute an item that appears on my credit report. The account listed above is being reported as a canceled or charged-off debt.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the deletion of this item from my credit report due to the following : I have not received a Form 1099-C from the creditor, as would be required if this debt had been canceled or forgiven.

The absence of a 1099-C raises questions about the accuracy and legality of the cancellation being reported on my credit report.

If the debt has not been officially canceled or forgiven per IRS standards, it should not be reported as such, and the reporting may be inaccurate or misleading.

I request that you investigate this matter, verify the validity of the information with the original creditor, and remove the item from my credit report if it can not be substantiated. Please provide me with the results of your investigation in writing within the 30 days required by law.

In accordance with the FCRA, if the information can not be verified, it must be removed from my credit report.

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: CO

Complaint narrative:
I used my Chime card to purchase XXXX XXXX XXXX XXXX  My card was later charged again for a subscription I did not authorize for {$91.00} in the middle of the night on XXXX-2025. I filed a dispute with Chime and began trying to get a refund from XXXX. XXXX  states they refunded my {$91.00} back to my Chime account, but it won't process due to the dispute. Chime has not placed the money back into my account and it is now XXXX-2025. I want my money back from Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-09-09 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: Experian Information Solutions Inc.
State: CA

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

1681c2 ) that you, the Experian 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} 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 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 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Please refer to the following related complaints I have filed : XXXX XXXX I have made several attempts to reply back to the original complaint but continue to get the perpetual page loading as shown in the screen shot provided. As per CFPB instructions, I submitted a second complaint in order to reply to the first complaint. In the meantime, I was notified of an attempted charge to my locked Citibank credit card that I am sure is related to the original fraudulent charge of {$2100.00}. 
I received an email notification from Citi Cards on XX/XX/year> ( copy provided ) reporting an attempted XXXX charge to my locked Citi XXXX XXXX. The card is a replacement card for the original that was used by a fraudulent ticket agent to fraudulently charge {$2100.00} which I am trying to have removed from my credit card account. It seems that while Citibank was working on the charge dispute and made contact with the fraudulent vendor who pretended to be a XXXX XXXX ticket agent, they somehow provided the fraudulent party enough of my re-issued credit card number such that now, either the same party using a different name, or another associated fraudulent party, is attempting to test the ability to charge the card by making a XXXX charge attempt. When I received the email from Citi Cards, I called them and initiated a dispute on this attempted charge and closed the re-issued card. I stated the card in question had been locked since the fraudulent {$2100.00} charge, and never was used. My instincts tell me that this second fraudulent charge attempt is related to the first one. I implore Citibank to do the right thing and rescind all of the fraudulent charges that have been applied to my account and adjust the balance to zero. I have not received any merchandise or updates from the fraudulent party who went by the name of XXXX XXXX. 
This matter is of utmost importance because now I am past due in making a payment to Citibank on the fraudulent charges they have wrongfully applied to my credit card account. This is impacting my credit scores and is impacting my ability to move forward financially. 
Again, I implore someone who can help me to please assist with getting the whole fraudulent charge of {$2100.00} removed from my credit card and remove all related fees and charges. 
Thank you, 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 2025-09-09 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: CA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial XXXX, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with explanation