vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 2025-05-16 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 2025-05-16 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: Kovo
State: MO

Complaint narrative:
In accordance with the federal credit reporting act this creditor has violated my rights under 15usc 1681 section 602 states I have the right to privacy, 15usc 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account with out my written instructions, under 15usc 1666b a creditor a may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Suncoast Credit Union has the mortgage on my single family residence. My loan was nearing its payoff, when I noticed an unexpected deposit in my savings account. No information was available in the mobile banking application to describe the source of this deposit. Upon calling, I was told that the deposit came from my escrow account. When I talked to the mortgage section of Suncoast Credit Union, I was told that without any notice to me, Suncoast Credit Union had closed out my mortgage by using the money in the escrow to cover the outstanding balance. This leaves me in the position to find funds elsewhere to cover the homeowners and flood insurance policies that are both coming due in XXXX, less than 30 days from now. I was also told it is my responsibility to notice the insurance companies about the change. In Florida, insurance rates are high and having insurance coverage is crucial due to hurricane impacts. Fortunately, I have the funds to cover this, but many other families in our areas would be unable to cover such unexpected bills. My house is a replacement for a previous home destroyed in XXXX XXXX. I would never put my house at risk after all the hard work to rebuild. Suncoast has no customer service standards. I think that they had no authority to make these changes and use the escrow without proper notice to me. If nothing else, it would be only polite and professional to give me advance notice that I would now be responsible for the insurance coordination and payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: SC

Complaint narrative:
I am disputing several hard inquiries that appear on my credit report which I did not authorize. I did not apply for credit with these companies, nor did I give anyone permission to check my credit. 

The unauthorized hard inquiries I am disputing are : 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/year> I request that these inquiries be investigated and permanently removed from all three of my credit reports ( Equifax, Experian, and TransUnion ), as they are negatively affecting my credit score. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: GA

Complaint narrative:
UPON REVIEWING MY CREDIT REPORT, I DISCOVERED SEVERAL UNAUTHORIZED INQUIRIES THAT I DO NOT RECOGNIZE. I CONTACTED THE CREDIT BUREAUS TO DISPUTE THESE HARD INQUIRIES AND REQUESTED THEIR REMOVAL. UNFORTUNATELY, THE CREDIT BUREAUS REFUSED TO REMOVE THEM OFF MY REPORT. THIS ISSUE IS CAUSING UNDUE STRESS AND IS NEGATIVELY AFFECTING MY FINANCIAL STANDING

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
I was looking at my credit report and i saw 2 accounts opened fraudulently. 

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 2025-05-16 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 was looking at my credit report and i saw 2 accounts opened fraudulently. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
* * Issue : * * Venmo ( a PayPal company ) has permanently deactivated my account and is withholding my funds without a clear reason or timeline for resolution. 

* * What happened : * * On * * XX/XX/year> * *, I was notified by Venmo that my account had been permanently deactivated due to unspecified concerns regarding activity. I was not given any specific explanation, evidence, or opportunity to appeal. 

I had a balance of * * \ {$50.00} * * in my Venmo account at the time. I was not allowed to withdraw this money or return it to the original payer. I reached out to customer support and was told that the funds would be * * held for 180 days * * for loss prevention purposes, and that I would not receive further communication until the end of this period. They also stated they would not respond to any further inquiries and that the matter was considered closed. 

* * Why this is a problem : * * * I am being denied access to my own money without due process. 
* Venmo has not cited any policy violations or given me a chance to dispute the action. 
* There is no guarantee I will get my money back, even after 180 days. 
* Their loss prevention justification is vague and unfair, especially when no fraud or illegal activity occurred. 

* * What I want : * * I am requesting immediate release of my funds or a full explanation of the reason for the account deactivation, as well as documentation of any investigations that justify withholding my money. If no fraud or violation is confirmed, I request my funds be returned immediately.

* * Company being complained about : * * Venmo ( PayPal, Inc. ) * * Amount involved : * * \ {$50.00} * * Supporting documentation : * * I have emails from Venmo stating they will not respond to future contact, and that the funds are being held for 180 days. I will provide copies upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my Federally Protected Consumer Rights to Privacy and confidentiality under 15 USC 1681 1. XXXX XXXX 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 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  Has violated my Rights. 

15 U.S.C. 1681 Section 602 A, States I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 C. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of conviction and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the the information is, in fact, inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my Federally Protected Consumer Rights to Privacy and confidentiality under 15 USC 1681 1. XXXX XXXX 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 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  Has violated my Rights. 

15 U.S.C. 1681 Section 602 A, States I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 C. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of conviction and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the the information is, in fact, inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: GATEWAY FIRST BANK
State: TX

Complaint narrative:
i am writing this complaint because gateway and their attorney is charging my account fee that are not deserved. on XX/XX/XXXX a XXXX  was filed for a proof of claim iao XXXX this fees include one amended POC according to XXXX XXXX guidelines. a amendment was completed XX/XX/XXXX and the same document reamended for the same info that was not needed on XX/XX/XXXX. a XXXX  was filed XX/XX/XXXX for XXXX when this fee should have been cover in the original XXXX according to XXXX  fee schedule. then XX/XX/XXXX XXXX for a payment change which according to XXXX  if the fee was less then XXXX XXXX  will reimbursed for this so there was no need to file a XXXX  because XXXX  cover and reimburse services. also payment change is a cost of business and should not be charge to a member so not sure why i was force to paid for something that servicer can recover through my investor or they eat the costs due to staying in compliance. gateway purposely try to go out there way to destroy my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TN

Complaint narrative:
This morning, I discovered some incorrect accounts listed on my credit report, and Im not sure how they got there. I routinely check my credit report, but this time I noticed some unexpected errors. I even refreshed my browser, thinking it might be a technical issue, but nothing changed. The false accounts were still there. Because of this, Im requesting a thorough review of the documents Ive submitted so I can stop worrying about these issues in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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:
AFTER REVIEWING MY CREDIT REPORT I NOTICED THERE ARE INCORRECT AND INVALID ADDRESSES ON MY REPORT. THERE SHOULD ONLY BE ONE ADDRESS ON MY REPORT. PLEASE PROMOTE ACCURACY AND PROTECT MY CONSUMER REPORT PER THE FCRA BY REMOVING ALL INFORMATION THAT IS NOT MINES. THE INFORMATION THAT IS MINES IS ATTACHED THE FORM

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I NOTICED THERE ARE INCORRECT AND INVALID ADDRESSES ON MY REPORT. THERE SHOULD ONLY BE ONE ADDRESS ON MY REPORT. PLEASE PROMOTE ACCURACY AND PROTECT MY CONSUMER REPORT PER THE FCRA BY REMOVING ALL INFORMATION THAT IS NOT MINES. THE INFORMATION THAT IS MINES IS ATTACHED THE FORM

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Fraudulent charges on credit card XXXX XXXX fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
The company acima and I came to settlement agreement on XX/XX/XXXX where I have XXXX scheduled payments of {$72.00}. On XX/XX/XXXX they processed a payment of {$100.00} which came out of my account on XX/XX/XXXX, I've been calling everyday and they said they issued the return and that everything is documented, they are delaying procrastinating because everytime I call it's a new person having no clue what's going on. On person tells me they issued the return and when I call the next day another person says they don't see anything about a return being started.

Company response to consumer: Closed with explanation