vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
I am disputing the following accounts on my TransUnion credit report. These accounts are incorrect and I request that they be thoroughly investigated. 

CHARGED OFF XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$9300.00} XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$650.00} INQUIRIES XXXX XXXX Inquiry Date : XX/XX/XXXX LATE PAYMENTS XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : 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 2025-12-16 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: FL

Complaint narrative:
I am disputing the following accounts on my Experian credit report. These accounts do not accurately reflect my current credit situation and require investigation.

CHARGED OFF XXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$690.00} INQUIRIES XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : 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 explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: IN

Complaint narrative:
company refuses to provide any information or allow me to speak with a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: NJ

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau XXXX, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-16 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: NJ

Complaint narrative:
On XX/XX/year> I tried to remove a freeze from my Experian account so that I could have a credit check done for a purchase. When I got to the website to remove the credit freeze I was not able to login even with my XXXX XXXX XXXX provided. Experian stated that it does not match their records when I put my SSN and my phone number. I had the same phone number for at least 15 years and never changed it. Then the Experian website prompted me to verify my information via text, phone call or email. However, neither the phone number nor the email provided by Experian as the only source for verification belong to me. At that point I realized that my account was fraudulently taken over with no possibility for me to restore it online because all the verifications methods ( e.g., phone number and email ) were changed by a fraudster. My next immediate step was to reach out to Experian by phone. After spending a long time going thru computer-automated prompts, I was able to miraculously reach out to a human customer representative who said they will need to transfer me to Account management department at which point I was transferred back to computer-generated prompts keeping me in a never-ending loop with no way to talk to someone. After spending more time on the phone with no success to reach out to live customer service support I had to quit this. Not being able to access my account due to a fraudulent take over and not having someone to resolve that problem on the Experian side causes me emotional and financial hardship due to not being able to have my credit report verified for purchase, also having my information stolen and potentially misused for fraud and financial crimes against me. And having absolutely no one on XXXX side to help me to resolve this matter makes it completely worse.

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 2025-12-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC
State: NY

Complaint narrative:
I was going to take debt consoludation from any company. They said that stop payment. So, I stop payment for XXXX month. But I cancled the consolidation right away and made payment on next month. But The lending point was caling me per every hour and every XXXX and sunday XXXX too. Every hour they are calling me. Now they are calling me. I hate it and sick. Please fiix it. Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I am filing a complaint regarding inaccurate and unverified credit reporting related to a XXXX XXXX XXXX account being reported by XXXX XXXX. The account contains material errors and violations of federal credit reporting and debt collection laws. Despite disputing the account, the information continues to be reported inaccurately on my Equifax credit report. 



Account Details ( as reported ) Original Creditor : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Account Type : Cable/Cellular Amount Reported : {$240.00} Date Assigned to Collections : XX/XX/XXXX Date Reported/Updated : XX/XX/XXXX Account Status : Unpaid Comments : Consumer disputes this account information Specific Errors Being Disputed XXXX. Missing Date of First Delinquency ( DOFD ) The account does not list a Date of First Delinquency, which is required to determine the accurate reporting period. Reporting a collection without a DOFD is incomplete and misleading. 
XXXX. Inaccurate and Improper Re-aging The account shows recent reporting and status dates ( XX/XX/XXXX ) despite being assigned to collections in XXXX. Updating the status date without disclosing the true XXXX unlawfully re-ages the account. 
XXXX. Failure to Provide XXXX of the XXXX I disputed this account and requested validation. The collection agency has not provided competent evidence that : I owe this debt The amount is accurate They have authority to collect The debt was legally assigned XXXX. Continued Reporting During an Active Dispute The account is marked as disputed, yet inaccurate and incomplete information continues to be furnished without proper investigation. 
XXXX. Incomplete and Misleading Reporting The credit report lacks essential information, including the date of last payment and DOFD, making the tradeline unverifiable. 



Laws and Regulations Violated Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing information known to be inaccurate 15 U.S.C. 1681s-2 ( a ) ( 2 ) : Duty to correct and update inaccurate information 15 U.S.C. 1681s-2 ( b ) : Failure to conduct a reasonable investigation after dispute 15 U.S.C. 1681c ( a ) ( 4 ) : Improper re-aging of a collection account 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e : False, deceptive, or misleading representations 15 U.S.C. 1692e ( 2 ) ( A ) : Misrepresentation of the character or amount of the debt 15 U.S.C. 1692g ( b ) : Failure to cease collection and provide validation after dispute Harm Caused The inaccurate reporting of this collection account has caused damage to my credit profile, lowered my XXXX XXXX, and negatively affected my ability to obtain credit at fair terms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: MO

Complaint narrative:
AS A DIRECT RESULT OF THE REPORTING AGENCYS FAILURE TO CORRECT, VERIFY, OR REMOVE FALSE INFORMATION, I HAVE SUFFERED MEASURABLE AND CONTINUING HARM. INACCURATE DATA HAS BEEN USED BY THIRD PARTIES TO DENY CREDIT, ALTER TERMS, AND DAMAGE MY REPUTATION. THIS VIOLATES MY RIGHTS UNDER 15 U.S.C. 1681N AND 1681O, WHICH PROVIDE REMEDIES FOR WILLFUL AND NEGLIGENT NONCOMPLIANCE WITH THE FCRA. 

THE REPORTED ERRORS HAVE CAUSED FINANCIAL, PROFESSIONAL, AND EMOTIONAL DAMAGE, INCLUDING INCREASED INTEREST RATES, DENIAL OF CREDIT OPPORTUNITIES, AND EMBARRASSMENT FROM BEING FALSELY REPRESENTED AS DELINQUENT OR UNRELIABLE. THE AGENCYS CONTINUED FAILURE TO REMOVE UNVERIFIED DATA EVEN AFTER FORMAL NOTICE DEMONSTRATES CONSCIOUS DISREGARD FOR CONSUMER RIGHTS AND FEDERAL LAW. 

FURTHERMORE, THE AGENCYS INACTION HAS ALLOWED THESE ERRORS TO PROPAGATE ACROSS MULTIPLE DATABASES, CREATING A SELF-PERPETUATING SYSTEM OF FALSE INFORMATION THAT IS IMPOSSIBLE FOR A CONSUMER TO FULLY REVERSE WITHOUT REGULATORY INTERVENTION. THIS IS A DIRECT VIOLATION OF THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND TO CEASE REPORTING INFORMATION KNOWN TO BE INACCURATE OR UNVERIFIED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: SC

Complaint narrative:
These inaccuracies have caused significant harm to my creditworthiness and its frustrating. Despite my multiple complaints being submitted with documentation, I believe that credit bureaus are in violation. This conduct is not a mere oversightit is a deliberate and reckless violation of federal law. By continuing to report unverifiable information after multiple disputes, the bureaus have demonstrated willful noncompliance under FCRA 1681n. Such willful disregard for statutory obligations exposes them to full statutory damages, punitive damages, and immediate enforcement action. Their pattern of behaviour reflects a conscious choice to ignore consumer rights and therefore demands decisive regulatory intervention and accountability.

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 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: FirstCash, Inc.
State: AZ

Complaint narrative:
XX/XX/year> I spent {$410.00} at XXXX XXXX XXXX XXXX I didnt receive so I dispute the transaction due to a power outage and, I was temporarily credited {$360.00}. XXXX - XXXX = {$45.00} left owed to me on the jewelry. The dispute was denied and now my account is in Negative and my jewelry is lost. XXXX XXXX owes me a total of {$410.00} or my jewelry they lost or sold without my consent. There Corporate office XXXX said XXXX be refunded and never was.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
ATTENTION TO DETAIL..! XXXX perfect peace be upon you ... i am the XXXX XXXX XXXX, the indigenous aborigine XXXX XXXX XXXX, occupant and Executor of the XXXX XXXX XXXX, Estate. My mailing address is 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  Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, provide me remedy, cure, and maintenance that belongs solely to the abovelisted estate, including me, as have my properties endured tremendously XXXX of justice, beyond human comprehension and so on, will you so do kindly? we thank you ... shalom.

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 2025-12-16 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Klarna AB
State: CA

Complaint narrative:
My personal information was sent to credit bureaus which violates 18 U.S.C. 1028A.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
On XX/XX/year> I tried to open an account on Robinhood.com. My application was denied, though they have not given me a reason as to why it was declined and it has been 9 days. When I contact customer support they are no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: GA

Complaint narrative:
I am a confirmed victim of identity theft and submitted a valid FTC Identity Theft Report. The account reported as XXXX  XXXX  does not belong to me and was never authorized. Under FCRA 605B, credit reporting agencies are required to block identity-theft-related information within four business days. Experian has not blocked this account and continues to report it in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: AZ

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