vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed a copy of my report and noticed inaccurate information. Please remove the account ( s ) from my credit report as it is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
when applying for credit they all say they cant " Verify My Identity '' how is that possible im a XXXX XXXX, this is affecting my lifestyle because i cant apply for credit

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
when applying for credit they all say they cant " Verify My Identity '' how is that possible im a XXXX XXXX, this is affecting my lifestyle because i cant apply for credit

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 2025-09-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or missing disclosures — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi Bank Sent Me A Inventation To My Email I Can Apply For A Personal Loan. I Applied but the information was misleading from the start. I applied than they said they was going to send me information via XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2025 XXXX I got a email notification regarding the decision with a password of my birthday and zip code as the password. That information was misleading cause I couldn't login with that information. I call the bank on multiple occasions they transferred me to five or six different people and still refuse to help me. Leaving me speechless of what's the decision of my personal loan application that I was invited too.

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have paid off this account in full. I would like it removed from my credit within XX/XX/XXXX days.

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have paid off this account in full. I would like it removed from my credit within XX/XX/XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: AR

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
Asked for the original debts and they couldnt provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in 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 2025-09-27 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: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
XXXX of XXXX  I paid my milestone credit card in full. In XXXX my statement said XXXX I called and customer service said I over paid and it would take 45days for a refund if approved. 
Nothing ever came. My statement showed this month of XXXX XXXX and XXXX was taken out for a fee. Milestone is taking XXXX a month for a maintenance fee for XXXX balance. 
I called again today XX/XX/year> and they said they sent for approval for a refund and it could take another 45 days. 
This is unacceptable. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/year> a hotel hold was placed. I checked out on the XXXX the hold was released from my hotel and I provided a receipt still having a pending charge 2 weeks later after sending in a receipt of being released.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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 writing to formally dispute certain items on my credit report that I believe may have been compromised as a result of the data breach affecting Equifax. As a victim of this breach, my personal and financial information was exposed without my consent, placing me at risk of identity theft and fraudulent activity.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information contained in my credit report is accurate, complete, and verifiable. I am requesting that you investigate and promptly delete any and all items that may have been affected by this breach, as they can not be verified as accurate or legitimately associated with me. 
The specific items I am disputing include : Account NamXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: TX

Complaint narrative:
The inquiries that are listed are fraudulent, and under the Fair Credit Act, they must be removed as they are not a matter of fact. I am a victim of identity theft, and the inquiries are part of the identity theft. They are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXXDate: XXXXEquifax Information Services LLC\XXXX XXXX XXXX GA XXXX Formal Dispute of Unauthorized Soft Inquiries Under FCRA 609 & 611\n\nTo Whom It May Concern,\n\nI am writing to dispute the accuracy and legitimacy of certain soft inquiries appearing on my Equifax credit report. I recently obtained a copy of my credit file, and I discovered 222 soft inquiries that I do not recall authorizing.\n\nUnder the Fair Credit Reporting Act (FCRA) 609 and 611, I am requesting:\nThe permissible purpose of each inquiry.\nThe name of the entity that initiated the inquiry.\nVerification of my authorization or written consent for each inquiry.\nImmediate removal of any inquiries that cannot be verified as lawful.\nAs a consumer, I have the right to a credit report that is accurate, fair, and free of unauthorized access. Until you provide full verification of these soft inquiries, they must be deleted from my credit file.\n\nPlease complete this investigation within the 30-day time frame required by law and provide me with a written confirmation of the results.\n\nThank you for your prompt attention to this matter.\n\nSincerely,XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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:
Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX -- - Letter ( to send to each bureau ) : -- - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX To Whom It May Concern, I am formally disputing the reporting of a medical collection account on my credit report. The account details are : XXXX XXXX : XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  This account is being reported in violation of federal and state law : 1. Fair Credit Reporting Act ( 15 U.S.C. 1681i ) : I have the right to dispute inaccurate or unverified information. A debt that can not be fully validated with proper documentation must not remain on my report.

2. Fair Debt Collection Practices Act ( 15 U.S.C. 1692e and 1692g ) : A collector can not continue reporting a debt without first providing complete validation, including itemized billing, proof of treatment authorization, and proof that insurance was properly applied. 


XXXX. XXXX  XXXX ( effective XX/XX/XXXX ) : Florida prohibits hospitals and providers from furnishing medical debt to credit reporting agencies unless it has been paid or is under a valid payment plan and being honored. Reporting an unpaid or unverified medical debt is not permissible.

4. Consumer Financial Protection Bureau ( CFPB 2025 Rule ) : The CFPB has finalized a rule prohibiting most medical debt from appearing on credit reports nationwide, reflecting the federal stance that such reporting is unfair and unreliable.

Based on these laws, the continued reporting of this medical collection is unlawful and harmful. I demand immediate deletion of this account from my credit report.

Please provide me written confirmation of deletion within 30 days, as required under the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX ( Last XXXX ) : XXXX XXXX : XX/XX/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 2025-09-27 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:
XXXX XXXX XXXX  XXXX continues to bill erroneous payment amounts they have not properly or timely applied payments they have not adhered to the new amounts of a modified payment supplement- they have disallowed online payments when all payments were accurately provided and funds available they continually report and create erroneous payment amounts refuse to correct errors continue to misapply if fail to XXXX  payments - change monthly payments over the course of 48 months over 13 times without cause. 

They failed to provide a full detail explanation of miscalculations and refused to adhere to the new payment that was fully executed and notarized at their direction and then continually place harassing collection calls when they in fact have been pain on time The customer service team has no idea how to answer your questions and fail to remedy to problems which are ongoing

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 2025-09-27 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: OH

Complaint narrative:
I am requesting the description of reinvestigation procedure according to 15 USC1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am requesting the description of reinvestigation procedure according to 15 USC1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline

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 2025-09-27 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: NC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-09-27 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: TN

Complaint narrative:
I am writing to formally notify you that I am a victim of the recent data breach, and I am requesting that all accounts related to my personal information be blocked and deleted in accordance with 15 USC 1681c-2 ( a ), as outlined under the Fair Credit Reporting Act.

Due to the breach, my personal data may have been exposed, and I am concerned about potential misuse of this information. Therefore, I respectfully request that you : 1. Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1500.00} Account name : XXXX BANK Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00} Account name : XXXX XXXXXXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$83000.00} Account name : XXXX XXXX Account number : XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$50000.00} Account name : XXXX XXXX XXXXXXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} INQUIRIES : XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: WY

Complaint narrative:
I've asked for a letter stating the debt was accurately mine. They never sent it to me. They've continued to call me everyday for the past week. I have asked them to stop. They have not. I've blocked their number. And they still manage to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX ~ XXXX XX/XX/XXXX Previous complaints have been submitted. 
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Request for Investigation Fraudulent Investment Activity Involving XXXX  XXXX and XXXX XXXX To Whom It May Concern, I am writing to formally request an investigation into a fraudulent investment scheme involving XXXX  XXXX, located at XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX  XXXX, and an individual named XXXX XXXX, who is also affiliated with XXXX XXXX in XXXX XXXX XXXX  and resides in XXXX XXXX, XXXX  XXXX. 
Between XX/XX/XXXX and XX/XX/XXXX, I invested a total of {$5000.00} in cryptocurrency through this company, using the wallet address XXXX. The final XXXX transactions were : XX/XX/XXXX : {$1000.00} XX/XX/XXXX {$50000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1500.00} All payments were made via XXXX XXXX, and I have retained records of each transaction. Despite repeated attempts to access the promised program via https : //app.marketcyp.com/dashboard, I was redirected to additional payment requests and never received the services or returns I was promised. I contacted the company via their listed phone number ( XXXX ) and email ( XXXX ), but received no resolution. 
I have already filed complaints with the FBI, local police, and the offices of the XXXX and Attorney General. However, I am now requesting the CFPBs support in investigating this matter and helping me recover my funds. This company appears to be operating fraudulently, targeting vulnerable individualsmany of whom live paycheck to paycheck and rely on XXXX or Social Security benefitswith deceptive investment offers. 
I am prepared to provide documentation, transaction records, and any additional information needed to support this complaint. I respectfully urge your office to take appropriate legal action against those responsible. 
Thank you for your time and attention to this urgent matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I was only told the date of purchase was XX/XX/year> in the amount of XXXX. That information was given to me by the debt collector. I had spoken with someone from the Affirm company and I told them I did not make a purchase and disputed the charge. I was never told what, where or when it was done from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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:
I Discover that I am a victim of fraud. I urgently and sincerely request the immediate BLOCKING and complete removal of this fraudulent account. The fraudulent inquiries include : XXXX inquired on XX/XX/year> ; XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/year> ; XXXX XXXX XXXX inquired on XX/XX/year> ; XXXX inquired on XX/XX/year> ; XXXX XXXX XXXX inquired on XX/XX/year> and XXXX XXXX  inquired on XX/XX/year> and the fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries and accounts are negatively impacting my credit profile and were not authorized by me. I am requesting that these fraudulent inquiries be BLOCKED immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief