vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( 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 convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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 information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-09 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 am writing to bring to your attention an issue I have encountered with the credit bureau Equifax regarding the removal of fraudulent information from my credit report.

As a victim of identity theft, I have followed all the necessary steps to dispute the fraudulent accounts and provided ample documentation to prove that these accounts were not authorized by me. Despite my efforts, Equifax has failed to remove these fraudulent accounts, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). I have submitted the FTC Identity Theft Report and the Identity Theft Affidavit, along with all my identifying documents ( State-Issued ID, both sides of the Social Security card , and my electricity bill ). But no action from Equifax. Equifax has XXXX respect for and compliance with the FCRA. 

The Fraudulent accounts are : XXXX, XXXX XXXX I respectfully request your assistance in ensuring that these credit bureaus comply with their legal obligations and remove the fraudulent information from my credit report. This situation has caused me significant distress and has negatively impacted my life tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I notice a withdrawal of XXXX dollars out of my bank account I contact chase to do fraud claim and they denied they claim I want to go to head quarters or above chase to resolve my issue to refund me back my money they withdrawal from my account I never had a issue with chase I been a loyal customer to them and now that I put a claim on a withdrawal I never did they dont want to help me resolve this to get my money. Back I am a single mother with XXXX kids Im struggling right now just recently lost my job I dont know what else to do to try to get My money back please I need to pay my mortgage car note insurance if not Im going to get evicted please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CT

Complaint narrative:
I have a checking account with Cash app I lost my debit while doing gas and 2 days I noticed there was an atm withdrawal I reported it immediately to cashapp I asked to file a dispute claim it keeps being denied with the same automated response that I give my credentials and I authorized the atm withdrawal I keep asking for photo evidence they never provided it and refused to refund my money they only respond through email no one live is never available to speak to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: MI

Complaint narrative:
Explained to the company that I had no knowledge of this account

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 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NV

Complaint narrative:
This letter serves as my XXXX  FORMAL NOTICE regarding inaccurate personal information appearing in my consumer report maintained by youre a organization. I have previously submitted XXXX notices. 

Despite my repeated requests, the inaccurate information remains uncorrected. This constitutes a continued violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which requires consumer reporting agencies and furnishers to conduct a reasonable reinvestigation when a dispute is submitted by a consumer. 

I am enclosing supporting documentation once again for your review, including [ list any documents : copies of previous disputes, proof of payment, identity theft report, etc. ]. 

Under the FCRA, you are obligated to : XXXX. Investigate the dispute within 30 days ( or 45 days under certain conditions ) ; XXXX. Notify the furnisher of the dispute ; XXXX. Correct or delete inaccurate, incomplete, or unverifiable information ; and XXXX. Provide me with the results of your reinvestigation. 

To date, you have failed to comply with these obligations. Your continued failure to address these inaccuracies may be deemed willful noncompliance, subjecting your organization to civil liability under 15 U.S.C. 1681n and statutory damages, punitive damages, attorneys ' fees, and actual damages under the law.

Demand : I am demanding the following : - Immediate deletion or correction of the disputed information ; - Written confirmation of such correction within XXXX  days of receipt of this letter. XXXX XXXX XXXX XXXX XXXX, XXXX, NY, 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 2025-07-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am disputing invalid inquiries reported by XXXX  on my credit report. This inquiries is inaccurate, unverified, and violates the Fair Credit Reporting Act ( FCRA ). Since it does not meet the legal standards for reporting, I request its immediate removal. If the furnisher can not provide proper validation, it must be deleted per federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: CarMax, Inc.
State: LA

Complaint narrative:
I am disputing invalid inquiries reported by XXXX  on my credit report. This inquiries is inaccurate, unverified, and violates the Fair Credit Reporting Act ( FCRA ). Since it does not meet the legal standards for reporting, I request its immediate removal. If the furnisher can not provide proper validation, it must be deleted per federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NC

Complaint narrative:
There are Lots of hard inquiries on my credit report I dont know anything about any of them. I never gave permission and if this these companies cant provide proof on any of these inquiries, please remove all hard inquiries dont know anything about any of inquiries. I never gave authorization to those companies. These inquiries have hurt my credit score in XXXXXXXX XXXXXXXX  my score was XXXX now its XXXX please fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
Im writing because I discovered a credit inquiry on my report that I did not authorize or consent to in any way. This inquiry was done online and is completely fraudulentI had no knowledge of it until I reviewed my credit report.

Let me be absolutely clear : I did not apply for any credit, service, or product that would have required this inquiry. I never gave anyone permission to access my credit file, and I certainly did not authorize it through any online platform. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires any credit inquiry to be made only with my explicit consent and for a legitimate, permissible purpose.

This is identity misuseplain and simple. And I should not have to suffer the consequences of a fraudulent action I had no part in. A hard inquiry, especially one that I did not authorize, affects my credit score and puts my financial reputation at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 ( a ) ( 2 ) provides that a consumer reporting agency may not furnish a consumers account information without the consumers written instructions or consent.

15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late if it was received within 21 days after the statement was mailed.

I request immediate removal and unlawfully reported information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> Caine & Weiner XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Formal Debt Dispute and Request for Validation under FDCPA and FCRA To Whom It May Concern, This letter is in response to a recent communication I received from your office regarding an alleged debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, 1692e, and 1692f, I am formally disputing this debt and requesting full validation.

Please understand that I am not refusing to pay this debt ; however, I am requesting that you provide sufficient documentation to validate that I am legally obligated to pay it. Under 15 U.S.C. 1692g ( b ), once a consumer notifies a debt collector in writing that a debt is disputed, the collector must cease all collection activities until verification of the debt is provided. I previously submitted such a dispute, and to date, you have failed to comply with your legal obligation to validate this debt. 

I am requesting the following information : The full name and address of the original creditor A complete accounting of the alleged debt, including principal, interest, and any fees A copy of the original signed agreement or contract bearing my signature ( if applicable ) Documentation proving you are legally authorized to collect this debt in the state of North Carolina The date the debt was incurred and the date of last payment ( if any ) In addition, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, you are required to report only accurate and verifiable information to any credit reporting agencies. If this debt is currently being reported, I demand that it be marked as disputed until resolved, as required by law. 

Please be advised : continued collection efforts or credit reporting without providing full and proper validation of this debt constitutes a violation of the FDCPA and FCRA. Such actions may be reported to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the North Carolina Attorney Generals Office, and may result in legal action under 15 U.S.C. 1692k.

I am keeping detailed records of all communications. You have 30 days from receipt of this letter to provide the requested documentation. If you can not validate this debt, you must immediately cease all collection efforts and correct any information reported to credit agencies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: CA

Complaint narrative:
I have repeatedly demanded full and proper validation of an alleged {$1100.00} debt claimed to be owed to XXXX XXXX XXXX, originally tied to a XXXX XXXX account XXXX Despite my certified written requests under 15 USC 1692g of the FDCPA, both XXXX XXXX XXXX and Credit Control LLC have failed to provide the required documentationno signed contract, no full accounting of charges, and no chain of title showing legal ownership. 

Instead, they continue to send generic form letters, recycled summaries, and invalid documentation, including one completely undated letter from Credit Control LLC, which renders it legally deficient under the FDCPA.

Both companies have also repeatedly misspelled my legal name, combining my first and middle names into one, which casts further doubt on the legitimacy and accuracy of their records. This consistent error demonstrates a lack of verified identity matching and failure to maintain accurate consumer data.

Most importantly, my official XXXX credit report clearly shows this XXXX XXXXXXXX XXXX  account as closed with a {$0.00} balance as of 2019, and marked as purchased by another lender. I have attached this evidence, yet XXXX XXXX continues to report a balance and allows multiple debt collectors to pursue unlawful collections and credit reportingdespite repeated disputes and clear evidence that the debt is not owed.

I am submitting this CFPB complaint with full documentation : dispute letters, certified mail proof, invalid responses from both agencies, and verified credit report screenshots. Their continued actions are in direct violation of the FDCPA and FCRA, and I am demanding enforcement action and immediate resolution.

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 2025-07-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Prog Holdings, Inc.
State: LA

Complaint narrative:
I used XXXX to purchase concert tickets through XXXX for an event scheduled on XX/XX/year> in Texas. The event has been officially canceled, confirmed by the artist and venue. Despite this, XXXX has not issued a refund and continues to list the event as Postponed. 

I reached out to XXXX more than 10 times, submitted proof over 5 times, and was told that my case was escalated and under review. XXXX has repeatedly stalled and claimed they are awaiting confirmation from the event organizer even though the concert date has passed. 

I filed a dispute through XXXX, but my claim was denied. I received a generic email response stating I must resolve the issue directly with the retailer, even though Ive already exhausted all options with XXXX. 

I paid a total of {$870.00}, including a {$180.00} XXXX gift card and the remainder through XXXX. No product or service was received, and no refund has been issued. XXXX has denied my refund claim while I pursue a resolution with XXXX. 

I am now stuck in limbo between both companies, with no refund and no help from the service I financed the purchase through.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
Despite multiple letter submissions, unverified accounts listed below persist in reporting on my credit report, constituting a violation of federal law. The TransUnion Credit Bureau has yet to adhere to the Fair Credit Reporting Act ( FCRA ), and there have been no actions or responses thus far. Upon reviewing my updated credit report, it is evident that these negative accounts persist. This ongoing reporting of untruthful information is adversely impacting my credit, and it is imperative that corrective measures are taken within the timeframe stipulated by the Fair Credit Reporting Act, specifically 15 USC sections 1681. Please find below a summary of the items that continue to be displayed on my report : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Balance {$0.00}

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