vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: MO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
I am submitting this formal complaint against TransUnion for repeated and egregious violations of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq. Over an extended period of time spanning well for 5 months, I have submitted numerous formal disputes regarding the fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which was accessed and reported without a permissible purpose in direct violation of 1681b ( a ). Despite providing all required documentationincluding government-issued identification, proof of address, a valid Identity Theft Report, and a signed statement under penalty of perjuryTransUnion has failed to take corrective action or respond as required by law. My signed statement under penalty of perjury was submitted in accordance with FCRA 605B, which requires credit reporting agencies to block fraudulent information when a consumer provides proper identity theft documentation. This sworn statement affirms that the disputed account was not authorized by me and is the result of identity theft, and it legally obligates TransUnion to block the account within four business days of receipt. Their failure to do so is a direct violation of 605B ( a ). The following letters were sent as part of my ongoing efforts to resolve this matter : XX/XX/year> Sent Demand for Immediate Action : Violations of the Fair Credit Reporting Act ( FCRA ) Related to Identity Theft XXXX Sent ID Theft Final Demand letter Reporting under the FCRA Request for Immediate Investigation and Correction XX/XX/year> Sent Formal Complaint and Demand for Immediate Compliance Violations of the FCRA and XXXX XX/XX/year> Sent Legal Demand for Deletion FCRA Violations and Identity Theft Dispute These letters, along with many others sent prior, were submitted in good faith and in full compliance with FCRA procedures. TransUnion has ignored these disputes and failed to respond within the statutory 30-day window under 1681i ( a ) ( 1 ) ( A ), constituting repeated and ongoing violations of federal law. TransUnions continued reporting of the accounts after being notified multiple times of its illegitimacy and lack of permissible purpose demonstrates a pattern of willful noncompliance under 1681n and negligent noncompliance under 1681o. These repeated violations have caused me substantial financial harm, emotional distress, and reputational damage, including denial of credit opportunities and undue scrutiny.

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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Absolute Resolutions l XXXX XXXX XXXXXXXX Subject : Request for Debt Validation To Whom It May Concern, I am writing in response to your claim that I owe a debt to Absolute resolutions for an account allegedly originating with XXXX. This letter is a request for validation of the debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following : 1. The name and address of the original creditor 2. The exact amount of the alleged debt, including a breakdown of any fees, interest, or other charges.

3. Documentation that proves I am legally obligated to pay this debt.

4. A copy of the original signed agreement or contract.

5. Proof that your company is licensed to collect debts in the state of Texas.

Until this information is provided, you must cease all collection activity, including reporting this debt to credit reporting agencies, as required by law.

Be advised that I am keeping detailed records of all communications regarding this matter. If you are unable to provide proper validation, you must immediately cease all collection efforts and remove any negative reporting related to this account.

Thank you for your cooperation. I expect your reply within 30 days of receiving this letter.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
When I recently reviewed my credit report, I was surprised and concerned to see several accounts and an inquiry that did not accurately reflect my financial history. As someone who carefully manages my finances, seeing these discrepancies has caused me stress and worry.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$230.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
When I recently reviewed my credit report, I was surprised and concerned to see several accounts and an inquiry that did not accurately reflect my financial history. As someone who carefully manages my finances, seeing these discrepancies has caused me stress and worry.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$230.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXX/XX/year> XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
Subject : Complaint Regarding Improper Disclosure of Debt Information To Whom It XXXX Concern, I am filing a complaint against Scott & Associates for violating the Fair Debt Collection Practices Act ( FDCPA ). 
A representative or agent of the above-named creditor/debt collector left sensitive paperwork on the door of my residence in XXXX XXXX, Texas XXXX This paperwork contained my full name, address, account details, and detailed financial transactions. It was left visible on my front door for several hours, exposing my private financial information to neighbors, visitors, delivery personnel, and the general public. 

This conduct constitutes an improper disclosure of debt information to third parties and violates FDCPA protections regarding consumer privacy. 

I request that the CFPB investigate this matter and take appropriate enforcement action against the creditor/debt collector. 

Please contact me if you need supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MI

Complaint narrative:
I opened chime account because they they were offering a bonus offer of {$350.00} in which {$100.00} was supposed to be by receiving cashback on certain purchases and when I made the purchases, I did not get any cash back and upon contacting chime, they did not help me. I only got cash back for one or two purchases and did not get any cashback for a lot of purchases I made. Im attaching the bonus offer that they gave me and I will also attach the transactions that I made on which I was supposed to receive cashback, but I did not. This is clearly false advertisement and scamming and customer support did not help me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
I am writing to formally dispute the reporting of inaccurate late open accounts on my credit report. Upon reviewing my 3 Credit Bureaus file, I have identified late open accounts that I believe are either misreported or improperly verified. These entries are negatively impacting my credit score, and I request a thorough investigation and correction of these discrepancies. 
XXXX XXXX  XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} Requested Action : In light of these inaccuracies, I am requesting that TransUnion : Conduct a full reinvestigation into the late payments reported for the above accounts. 
Require XXXX XXXX  XXXX and XXXX XXXX  to provide documented verification of the late payment claims. 
Correct any unverifiable or inaccurate late payment data from my credit report. 
Provide me with written confirmation of the results of this reinvestigation.

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 2025-08-27 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: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I have been in an ongoing dispute with Apple Card / Goldman Sachs Bank regarding my account ending in XXXX. Since XXXX, they have engaged in unlawful conduct related to the reporting of this account to consumer reporting agencies. Specifically : They failed to disclose or obtain my consent to furnish information to XXXX, XXXX, or XXXX. Their Customer Agreement only references credit bureaus ( the CFPB ), not consumer reporting agencies. 

They furnished my nonpublic personal information without authority, resulting in identity theft under the Fair Credit Reporting Act. Equifax confirmed deletion of the account, but Apple/GS later certified reinsertion. 

They wrongfully closed my account on XX/XX/XXXX in retaliation for my dispute, despite no contractual basis for CRA furnishing. 

Their own Terms link reporting to collecting amounts owed, showing they are weaponizing credit reporting to inflict reputational harm and coerce repayment, which is extortionate. 

I previously sent notices to Apple/Goldman Sachs , disputed with XXXX, and filed both an FTC Fraud Report ( XX/XX/XXXX ) and an FTC Identity Theft Report ( XX/XX/XXXX ). Supporting documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX Date : XX/XX/XXXX Re : Hard Inquiry Dispute Request for Investigation Dear TransUnion, I am writing to formally dispute the following hard inquiries that appear on my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report when there is a permissible purpose authorized by law. I do not recall authorizing these companies to access my credit report, and therefore, I request that you investigate and remove any inquiry that can not be verified with documented proof of my written consent. 

Disputed Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX As required under FCRA 611 ( 15 U.S.C. 1681i ), please investigate these inquiries and provide me with the results within 30 days. If the furnishers of these inquiries can not provide legally acceptable documentation proving I authorized them, you must delete the inquiries from my credit report immediately. 

Please mail me a copy of the updated credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX Date : XX/XX/XXXX Re : Hard Inquiry Dispute Request for Investigation Dear TransUnion, I am writing to formally dispute the following hard inquiries that appear on my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report when there is a permissible purpose authorized by law. I do not recall authorizing these companies to access my credit report, and therefore, I request that you investigate and remove any inquiry that can not be verified with documented proof of my written consent. 

Disputed Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX As required under FCRA 611 ( 15 U.S.C. 1681i ), please investigate these inquiries and provide me with the results within 30 days. If the furnishers of these inquiries can not provide legally acceptable documentation proving I authorized them, you must delete the inquiries from my credit report immediately. 

Please mail me a copy of the updated credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-08-27 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: VA

Complaint narrative:
Account in Dispute : XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$22000.00} To Whom It May Concern, I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 

Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 

I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities.

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 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: IL

Complaint narrative:
Cash app wrongful termination of my account was unfair and unprofessional. I did nothing wrong but used my account normally and now I cant get access to a new account or the old one

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: IL

Complaint narrative:
Kindly remove these unauthorized accounts from my credit report. I never approved their opening and had no prior knowledge of them. As outlined under USC 1681g, I am requesting their removal within 15 days. Supporting documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
My father passed away on XX/XX/year>. I am listed as the beneficiary on his Ally CD account, but Im getting the runaround. I have already submitted the death certificate needed for the Ally money market checking account that was my fathers also. My fathers Ally CD account is not part of his trust, and as beneficiary, I should be able to collect that money. It was suggested by Ally Bank that I get a small state affidavit which I did. After being promised the money within 10 days on more than one occasion when I called, I was then informed by Ally Bank that my small state affidavit would not work because the amount in the CD exceeded the California limit. I feel as the beneficiary on my fathers CD, I should be able to collect the money.

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 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson Capital System XX/XX/year> The account is being reported in error and does not belong to me .Under FCRA Section 609 and 611, credit reporting agencies must ensure all information is accurate, verifiable, and not misleading.This account has not been properly verified by the furnisher of information and is causing harm to my credit profile.I am requesting that this collection account be investigated and permanently removed from my credit report with all reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
The company calls at XXXX and calls over and over again and they call from different numbers they call after XXXX and I have XXXX XXXX XXXX and irregular XXXX rate and it makes my XXXX XXXX go up and there very rude as well..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
I got a call from XXXX XXXX in XX/XX/year> about a utility balance unpaid at a particular address XXXX XXXX XXXX, XXXX. I told them that I never lived at that address and that I never called in to open a utility account under my name nor did I gave anyone permission to do so. Then, XXXX  XXXX XXXX staff went to listen to the phone call of the person who opened the account and confirmed it was not me. I reported to the police, and i got a report. The police told me it is under investigation. Early this month XXXX, I saw a significant drop in my credit score and it was showing deliquent payment from center point related to the same bill i already told them I was not responsible for. I called XXXX XXXX XXXX and they asked me to send some documents, which was sent. They told me that they can confirm it was fraud and they already told the credit bureau to delete it from my report. I called Equifax, Experian, and trans union, but they all refused to remove it. I have an important deal that I need to complete that is important for the safety and survival of my family, and this issue has damaged my credit score and making the deal difficult to complete. I will really appreciate if this is treat as urgent and help me fix this 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 explanation