vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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 AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UPGRADE, INC.
State: LA

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: MO

Complaint narrative:
I am filing this complaint due to Experian, Equifax, and TransUnion failing to comply with the Fair Credit Reporting Act ( FCRA ) in handling my disputes. 
Violations : 1. FCRA 611 ( a ) No reasonable reinvestigation performed.

2. FCRA 607 ( b ) Failure to ensure maximum possible accuracy.

3. FCRA 609 ( a ) No proper verification or documentation provided.

4. FCRA 605B and GLBA 6801 ( b ) Mishandling identity-related concerns.

5. Negligence and harm Continued reporting of unverifiable accounts.

Requested Relief : 1. Full reinvestiga
tion of all disputed items.

2. Furnished documentation showing actual verification.

3. Deletion of inaccurate, fraudulent, or unverifiable data.

4. Written results and confirmation.

5. Compliance review and corrective action. 
Filed by : 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 2025-12-02 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: MO

Complaint narrative:
I am filing this complaint due to Experian, Equifax, and TransUnion failing to comply with the Fair Credit Reporting Act ( FCRA ) in handling my disputes. 
Violations : 1. FCRA 611 ( a ) No reasonable reinvestigation performed.

2. FCRA 607 ( b ) Failure to ensure maximum possible accuracy.

3. FCRA 609 ( a ) No proper verification or documentation provided.

4. FCRA 605B and GLBA 6801 ( b ) Mishandling identity-related concerns.

5. Negligence and harm Continued reporting of unverifiable accounts.

Requested Relief : 1. Full reinvestiga
tion of all disputed items.

2. Furnished documentation showing actual verification.

3. Deletion of inaccurate, fraudulent, or unverifiable data.

4. Written results and confirmation.

5. Compliance review and corrective action. 
Filed by : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Dear CFPB, I am requesting your intervention due to Bank of America ( BoA ) s systemic failure and negligence to resolve a dispute that resulted in double charges to my credit card and the risk of negative impact on my credit score. 



I. Facts and History of the Double Charge First Payment and Dispute : On XX/XX/XXXX, I made a purchase from XXXX that I subsequently disputed. I paid my bill ( FIRST payment ), although I later received a letter from BoA instructing me not to pay because a dispute was open. The dispute was closed by BoA. 



Double Charge : I subsequently received a new bill for the same amount that I had already paid. 



Failure of Internal Procedures : On XX/XX/XXXX, at BoAs direction, I visited a physical Bank of America XXXX where an employee sent an internal fax ( with the receipt for the first payment attached ) to the dispute department, confirming to me that the dispute had been reopened/escalated. ( I am attaching a copy of this document dated XX/XX/XXXX ). 



Forced Second Payment : Despite internal documentation on XX/XX/XXXX, BoA ignored its own fax and did not resolve the issue. In order to protect my credit rating, and as the deadline ( XX/XX/XXXX ) approached, I was forced to pay the bill A SECOND TIME. 



XXXX. Claim BoA is responsible for a double-billing error and a complete failure of administrative procedures by ignoring documents sent by its own branch. 



I demand an immediate refund of the double payment, as well as written confirmation that no late fees will be charged and that there will be no negative impact on my credit rating as a result of these errors. 

Best regards!

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 monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-12-02 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following items on my credit report. Please investigate and resolve these discrepancies. I have listed the details of the disputed accounts and inquiries below, separated by each bureau : Charged Off Accounts XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$180.00}

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 non-monetary relief
Consumer complaint received 2025-12-02 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: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Lending Services LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Global lending Services XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX To Whom it may Concern : I am writing to formally demand that you immediately cease and desist from engaging in the following unlawful and unauthorized activities : copyright infringement, harassment, defamation, unauthorized use of trademarks, breach of contract, property damage, etc. 
These actions are causing significant harm, including but not limited to myself and to my family and kids financial loss, reputational damage, and emotional distressed. ] This letter serves as formal notice that your conduct is unauthorized, unlawful, and you Are hereby demanded to Immediately cease and desist from the activities described above. 
Refrain from any similar conduct now and the future. Provide written confirmation with [ x ] days ( typically XXXX days ) that you have complied with these demands. Failure to comply XXXX result in legal action being taken against you without further notice, which could include seeking monetary damages, injunctive relief, and recovery of legal fees. Nothing in this letter should be taken as a waiver of any rights or remedies available under the law. All such rights are expressly reserved. 
Sincerely XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have reviewed my credit report and found these unverified items. Please remove or block these items

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights 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 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: eToro USA LLC
State: NC

Complaint narrative:
I wired {$30000.00} from XXXX XXXX  on XX/XX/XXXX, to Etoro XXXX platform to purchase XXXX. On XX/XX/XXXX Etoro reviewed a transaction and requested bank statements and screenshots which I sent! On XX/XX/XXXX I could not log into my account! I created another account with different email in order to communicate with EToro! Etoro employee, XXXX told me my funds were returned to XXXX  in XX/XX/XXXX, which was a lie! Since that time Etoro has stalled the release of my account and my funds.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: LA

Complaint narrative:
I am disputing the following items on my TransUnion credit report : Charged-Off Accounts TU : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Inquiries TU : XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX Positive Accounts TU : No positive accounts listed for TransUnion. 

Late Payments TU : 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 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: WV

Complaint narrative:
On XX/XX/year>, I woke up to find that Cash App had closed my account without warning. This happened immediately after I filed a dispute for a hotel that was mouse-infested, roach-infested, and unsafe. Cash App previously told me they were looking into the dispute, but they never completed the investigation. 

I appealed the account closure, and on XX/XX/year>, Cash App sent me an email denying my appeal and refusing to provide any explanation. They did not specify : What Terms of Service section XXXX allegedly violated What activity caused the closure Any evidence supporting their decision This closure appears retaliatory and was used to block my access to an active dispute. Cash Apps actions may violate : Regulation E ( 12 CFR 1005 ) failure to complete investigation and provide written results Electronic Fund Transfer Act ( EFTA, 15 U.S.C. 1693 ) failure to provide required documentation and provisional credit CFPA UDAAP ( 12 U.S.C. 5531 ) unfair, deceptive, or abusive acts by closing an account to avoid responsibility Anti-Retaliation protections ( 12 U.S.C. 5567 ) penalizing a consumer for filing a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
TransUnion and Experian are reporting accounts that are inaccurate, fraudulent, or a result of past data breaches. I submitted disputes with documentation, but TransUnion continues to report negative information already deleted by Experian and Equifax. 

TransUnion also blocked me from accessing my online account while I had active disputes, preventing me from exercising my FCRA rights. The inaccurate reporting has caused me housing denial, job denial, loss of credit opportunities, and financial harm. 

Experian has now returned items as verified without proper investigation. I am requesting full deletion, correction, and enforcement of all FCRA rights.

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 2025-12-02 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: AR

Complaint narrative:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

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 2025-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PLANET HOME LENDING, LLC
State: MD

Complaint narrative:
When I first looked at houses and for pre-approval I was told that I only qualified for a high XXXX mortgage but in the future I could qualify for a XXXX mortgage at closing. At closing, I didnt qualify and was locked in. I was then told that I could refinance after 6 months of qualified and timely payments. After 6 months, the LO was no longer with the company. I also had been switched between LOs. I now have a mortgage I cant afford but should have never been put into in the first place. How can I not be qualified for a lower payment but a higher and shorter XXXX? 

Planet Home Lending is my mortgage provider.

Company response to consumer: Closed with explanation