vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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:
I am submitting this complaint due to ongoing issues involving inaccurate reporting, unauthorized credit inquiries, and failure to adequately investigate and correct disputed information on my credit reports, in violation of the Fair Credit Reporting Act ( FCRA ) and other federal consumer protection laws. 

Despite multiple formal written disputes and requests for reinvestigation, the following items remain unresolved : XXXX XXXX XXXX These accounts are inaccurately reporting as potentially negative and include derogatory payment history that has not been verified. I have not received any documentation such as a signed contract, payment ledger, or billing statements that prove these accounts are accurate or valid. 

XXXX XXXX XXXX XXXX XXXX XXXX I never authorized this debt or received any verification. No documentation or written proof has been produced, and I believe this tradeline may be the result of identity theft. 

Unauthorized Hard Inquiries Multiple inquiries were made by companies such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and others on XX/XX/XXXX and XX/XX/XXXX without my consent. Under FCRA 1681b ( f ), these were conducted without a permissible purpose or my written authorization. 

Failure to Provide Full File Disclosure I requested a full file disclosure pursuant to FCRA 1681g. I have not been provided with complete source documentation, method of verification, or a description of the reinvestigation procedures. 

Data Breach Concerns As a victim of the XXXX XXXX  XXXX data breaches, I suspect that some accounts or inquiries were the result of identity theft. Under FCRA 1681c-2, I requested that these accounts be blocked pending verification, but they remain on my file.

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 2025-06-30 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: NY

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-06-30 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: NY

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: NJ

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 : 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

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 2025-06-30 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I didnt authorized of this inquiries from BRCLYSBANK DE ( bank ). I did not approve for this inquiry

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 2025-06-30 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: LA

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 non-monetary relief
Consumer complaint received 2025-06-30 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: PA

Complaint narrative:
I am submitting a complaint against Experian for reporting an old address that is no longer accurate or authorized to be associated with my current identity or financial accounts. 
This outdated address is now interfering with identity verification through XXXX Dot Bank and XXXX XXXX. As a result, my funds are being withheld and I am being blocked from accessing services because Experian continues to publish false, outdated location data. 
I have previously updated my address but Experian has failed to remove the old address from my report. I believe this is a violation of the Fair Credit Reporting Act ( FCRA )

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 2025-06-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: United Shore Financial Services, LLC
State: GA

Complaint narrative:
CFPB Formal Complaint Summary ( Updated ) Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal complaint of mortgage fraud, material misrepresentation, and predatory lending practices related to the XXXX loan used for the purchase of XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
Summary of Events In XX/XX/XXXX, I purchased the property at XXXX XXXX XXXX XXXX XXXX XXXX loan. The loan was approved and originated based on material misrepresentations of the propertys condition, size, and legal status. The property contains unpermitted additions, uninspected structural repairs, and health and safety hazards that were not disclosed. 
Key Facts The property was presented as remodeled with updates limited to the kitchen, paint, and floors. No disclosure was made of structural additions or prior damage. 
A neighbor informed me that a large tree had fallen onto the home, causing damage that was not disclosed. 
XXXX XXXX XXXX XXXX confirmed on XX/XX/XXXX, that no permits exist for any additions or remodeling work in the last XXXX  years. 
The loan approval and appraisal included unpermitted additions, inflating the value and qualifying the property for a loan it should not have received. 
I filed formal complaints with the XXXX  XXXX XXXX XXXX in XXXX XXXX. XXXX assigned case numbers XXXX, XXXX, XXXX, and XXXX but confirmed no action due to backlog. 
Harm and Impact I am left with an unsafe, uninsurable, and unlivable home tied to a fraudulent loan. I have suffered financial loss, emotional distress, and health concerns as a result of the predatory practices involved. State-level remedies have been delayed, leaving me at risk of imminent foreclosure. 
Requested Action I am requesting that the CFPB investigate : The approval of my VA loan based on inflated and fraudulent representations of the property.

The role of the mortgage originators, appraiser, and servicer in allowing this loan to proceed. 
The misrepresentation and predatory practices by the involved real estate professionals. 

I seek loan cancellation, financial restitution, and appropriate regulatory action against the companies and individuals involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: Early Warning Services, LLC
State: NJ

Complaint narrative:
I am filing this second complaint against Early Warning Services , LLC ( EWS ) regarding fraudulent information appearing on my Early Warning consumer report due to identity theft. Despite my previous complaint ( CFPB Ref # XXXX ), EWS has failed to fully investigate or correct the false account data that is harming my financial reputation and causing denials for legitimate banking services.

I recently obtained a copy of my Early Warning Services consumer report dated XX/XX/year>, which includes checking and savings account information that I did not authorize, open, or use. These accounts are fraudulent and were likely opened or reported due to identity theft. I have no knowledge of these accounts and did not initiate them. The fraudulent accounts are associated with early warning file disclosure consumer id : XXXX under Early Warning contribution ref # : XXXX and early warning contribution ref # : XXXX. 
As a result of this fraudulent reporting, I have suffered denials from financial institutions, including XXXX, which stated that they relied on information provided by Early Warning Services. EWS is reporting inaccurate and false data and sharing it with third parties without my consent, in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : Failing to ensure the maximum possible accuracy of the information furnished; Failing to properly investigate and correct disputed information ; Furnishing information about fraudulent accounts even after being notified of identity theft. 
I have included the following supporting documents : A copy of the Early Warning consumer report showing the disputed accounts ; Proof of my identity and current address ; A copy of my first CFPB complaint and supporting documentation for reference. 
FTC identity theft complaint against early warning. 
Proof that I am victim of identity theft due to Equifax data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
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 non-monetary relief
Consumer complaint received 2025-06-30 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.

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-30 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-06-30 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: CO

Complaint narrative:
Spoke to American Express about their communication and account handling issues several times through chat : XX/XX/year> and XX/XX/year>. 

Spoke to them also in XX/XX/year> about financial arrangements in XXXX due to unemployment and to negotiate a payment plan. 

In addtion to me stating that a financial settlement would be the desired result, American Express call me every day while I was working at XXXX from XX/XX/XXXXXXXX XXXX XXXX XXXX 

Paid the amount mentioned by the agent and they still closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
We are victims of IDENTITY THEFT -- -ongoing for XXXX weeks now. 
I have had to dispute so many inquiries about CC applications opened fraudulently in my name or husband 's that I have lost count. 
XXXXXXXX XXXX opened a XXXX XXXX account in husband 's name AFTER freeze and fraud alert were put on credit information. I called when saw the inquiry and applications dept. said they pulled that and XXXX other applications in our names-- pulled for fraud. We have had that account closed or that's what XXXX says, but they have lied about so much, I can't believe them -- obviously they didn't pull that application when they said they did. 
This is a HARD inquiry and says it will stay on account for 2 years. WE WANT IT REMOVED AS IT WAS FRAUD as result of IDENTITY THEFT -- we did not initiate this inquiry, and our credit rating should not be penalized because of what a criminal did. REMOVE THIS HARD INQUIRY!

2-I ERRONEOUSLY disputed my XXXX credit card -- there was a number that said " account number '' and it didn't match my CC number, so I knee-jerk disputed it ; this number is some identifying number XXXX uses. that account is legit. 
Tried to get dispute removed or closed -- preferably removed. But CAN NOT GET THROUGH THE TERRIBLE AUTOMATED PHONE XXXX on ANY credit bureau -- EXPERIAN is one I need to remove it. called 3 times this morning and automated system says to visit the website... THERE IS NO PLACE ON WEBSITE TO CLOSE A DISPUTE!! I can NOT get through to a human about these XXXX items. 
This experience with credit bureaus that are SUPPOSED TO HELP, has added to nightmare of identity theft. 
NO ONE WANTS TO HELP THE VICTIM, THEY ONLY PROTECT THE CRIMINAL

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 2025-06-30 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: PA

Complaint narrative:
I reviewed my credit report today like I normally do, but unexpectedly found some discrepancies. I refreshed the page thinking it might just be a temporary glitch, but the inaccurate accounts were still there. Given this, I kindly request that the documents I provided be carefully reviewed to ensure this issue is fully resolved so I can stop worrying about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: OH

Complaint narrative:
I am writing to formally dispute certain inquiries listed on my credit report, as I did not authorize these inquiries and believe they may have been made in error or without my 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 explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Driveway Finance Corporation
State: CA

Complaint narrative:
b'I want to make my payments, i know that i have XXXX XXXX XXXX late payments but there is not option to pay, nobody answer on the call XXXX XXXX XXXX  on spanish option, i do know what  can i do, my access to make payments is blocked on their website, is that legal?'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
Please assist me in launching an investigation into the accounts listed, as they appear to be inaccurately reflected on my credit report. Under USC 1681g, I am formally requesting that they be removed within 15 days. All supporting documentation has been provided for your review. It is also important to note that each credit bureau is reporting different and inaccurate information regarding these accounts.

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 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ XXXX ] [ Date : XX/XX/XXXX ] Chime Bank Attn : Dispute Resolution Department Subject : Fraud Dispute - Unauthorized Transactions Due to Incarceration To Whom It May Concern : I am writing to formally dispute several unauthorized transactions that occurred on my Chime account while I was incarcerated from XX/XX/XXXX to XX/XX/XXXX. 
During this period, I did not have access to my Chime account, and therefore I did not authorize any withdrawals, transfers, or purchases that took place in that time frame. 
Account Information : Membership/Account Holder Name : [ XXXX XXXX XXXX XXXX of Birth : [ XX/XX/XXXX ] Account Type : Checking / Savings Incarceration Details ( Supporting Documentation Available ) : Incarcerated at : [ XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Release Date : XX/XX/XXXX I can provide official documentation ( e.g., inmate records, release certificate ) to confirm this period of physical confinement. 
Disputed Transactions : Please review and reverse any and all transactions posted to my account between XX/XX/XXXX and XX/XX/XXXX, including ( but not limited to ) ATM withdrawals, point-of-sale charges, ACH transfers, debit card purchases, and online transactions. 
Enclosed with this letter are copies of the following supporting documents : XXXX. Incarceration verification ( records/ documentation from the correctional facility ) 2. A government-issued photo ID Under the Electronic Fund Transfer Act ( EFTA, 15 U.S.C. 1693 et seq. ), and Chime 's dispute resolution policies.

Company response to consumer: Closed with explanation