vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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 2025-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Byrider Franchising, LLC
State: NY

Complaint narrative:
On XX/XX/year>, I purchased a used vehicle from J.D. Byrider in XXXX XXXX, IL. Shortly after the purchase, the engine failed completely. The dealer replaced the engine, but the car continued to have serious mechanical issues and remained unsafe and unreliable to drive. 

Despite repeated efforts to resolve the issue, the vehicle still presented a danger, and I requested to return it voluntarily and cancel the contract. The dealership refused to cooperate or provide a refund, even though the car never functioned properly. I also informed the financing company that I could no longer continue making payments on a defective vehicle that does not meet basic safety or quality standards. 

This experience has caused financial and emotional stress, and I am now seeking assistance in having this contract terminated and the remaining loan canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
In XXXX, I updated my automatic payment info on XXXX website for both my XXXX and XXXX XXXX XXXX. While the update worked for the XXXX card, the XXXX card did not. Despite this, I received payment confirmation emails from XXXX stating that payments from my XXXX card were successfully processed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I later saw a major drop in my credit score and learned that XXXX reported my XXXX card as 30, 60, and 90 days late. I immediately paid off the balance once I discovered the issue. 

I first filed a dispute directly with XXXX, but their internal review department claimed there was no error on their part and refused to make any corrections. I then contacted Experian and submitted a dispute with supporting documentation, but they were unable to update my report because only the creditor can initiate corrections. 

I believe this situation was caused by negligent miscommunication on XXXX parttheir system generated emails confirming successful payments that never actually occurred, which led me to believe the account was in good standing. This created a false sense of security and delayed my awareness of the issue. 

XXXX ultimately closed the account without notice, and the late payment marks remain on my credit report. Im requesting that the information be corrected under 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 explanation
Consumer complaint received 2025-07-29 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: NJ

Complaint narrative:
I am submitting this complaint regarding these unauthorized third-party accounts that are currently being reported on my credit file : 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 I did not apply for or authorize these accounts, nor did I consent to any agreement, extension of credit, or permissible purpose to report these tradelines. 

These companies are not original creditors and have failed to provide a signed contract or chain of assignment proving ownership or authorization to report on my consumer report. This violates the Fair Credit Reporting Act ( FCRA ) 604, which restricts access and furnishing of credit information without a legally permissible purpose. 

Additionally, per FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information must not report inaccurate or unverifiable data. Since no contract, billing history, or debt validation has been produced, this information is considered inaccurate and must be removed. 

I have attached a signed FTC Identity Theft Report affirming these accounts were opened and reported without my consent. I am requesting the immediate deletion of these unauthorized accounts from all credit bureaus. 

Failure to address and resolve this matter may result in further escalation to the FTC and state regulatoryauthorities.

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 2025-07-29 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX LA XXXX ACCOUNTS : 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 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I account was cancelled, restricted and closed without any notice at all. It is extremely unfortunate because I was travelling and thus stranded. Chase, JP Morgan is the only bank I use and therefore is holding all my money. I was informed on the phone, that it was for a non-legal reason. That was my account was closed because I would open too many disputes and it was a risky account. Chase never gave me a warning that I would open to many claims. They never warned me on an account restriction. I asked them on the phone how to get my money and they informed me it would be via cashiers check in 10 business days. I told them I absolutely can not wait two weeks to have access to cash. Aside from myself moving apartments in three days, I do not have money for food, gas, childcare, etc. 
The person on the phone who works in the department responsible for restricting the account said that a branch manager would be able to lift the restriction at their discretion and release some of the funds. The branch manager at XXXX laughed at me and didn't believe me. She told me, that the bank would have given me 30 days notice and I would have had time to withdraw my money. They in fact never gave me notice. There's no notice in my account and I saved screenshots of this. They never mailed anything and I'm signed up for paperless notices regardless. 

The branch manager told me to call the same people I was already on the phone with because she couldn't lift the restriction. She also lied to me, told me to withdraw all my claims that were current and then she could lift the restriction. Panicked and desperate for my money, I called the claims department and withdrew the two pending claims from over two and three months prior. XXXX for XXXX $ and another for XXXX XXXX 

I am facing serious hardship and the bank is refusing to give me money. I am about to be homeless because I can not pay my new apartment lease and I can not stay in my current apartment. I'm unsure why they would refuse to release my money. Why the manager laughed and thought it was funny, and why no one could release an restriction to give me MY money, regarding a NON-legal issue. If I believed I had another option and could take this to small claims court in a timely manner to expedite any of these processes, I would. I can't even pay for a filing fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: OH

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation.

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 2025-07-29 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: CA

Complaint narrative:
These inquiries are unknown to me and may represent fraudulent attempts to access my credit. I ask that this be reviewed immediately. Supporting files are attached.

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 2025-07-29 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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-07-29 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Subject : Dispute of Alleged Debt - Account # XXXX To Whom It May Concern : I am writing to dispute the following debt referenced above, which you are currently reporting to credit bureaus and/or attempting to collect. This is a formal dispute under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). 

Within thirty ( 30 ) days of your initial notice, I formally request full validation of this debt, including : A copy of the original contract or agreement Complete payment history - amount, dates, and interest or fees applied Proof that you are legally entitled to collect this debt The name and address of the original creditor Cease all collection efforts, including reporting this account to XXXX, XXXX, and TransUnion, until you provide the requested validation TO ME. If you have already reported it, you are required under FCRA to notify the credit bureaus that the debt is currently disputed. 
This dispute is not an admission of liability and does not restart the statute of limitations Please respond within 30 days of this letter 's receipt. If you do not validate the debt, any continued collection activity or reporting on my credit report violates federal law and may result in legal action. 
I have copies of my credit report showing this account. I am sending this letter via certified mail with return receipt requested please provide proof of your receipt and response. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 2025-07-29 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: GA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
My cash app account suddenly and unexpectedly got closed. But they do allow you to log into the account to withdrawal any funds in your account. I have been trying for almost 2 years to get cash app to help me get into my account so I can withdrawal my funds that is in y XXXX  wallet. I can log in to the account up until the point of needing to put my pin number in. I don't remember what that pin is and cash app does have an option if you can't remember your pin number but when I click on that option it just takes me to a blank screen. I've talked to cash app support too many times to keep count and they refuse to help me get into my account. My account is also verified by them with my social security number and they refuse to verify my account with my social

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX I am writing in response to a collection notice I received from your agency. Please be advised that I am requesting validation of the alleged debt referenced in your correspondence, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g. 

Until this information is provided, I do not acknowledge or accept responsibility for this debt. Additionally, I request that you cease all collection efforts and reporting to credit bureaus until you have fully validated this debt. 

f you can not provide this information, I respectfully request that the debt be removed from my credit reports with all major bureausXXXX XXXX and XXXX unverified and therefore inaccurate under the Fair Credit Reporting Act. 

This letter is not a refusal to pay, but a request for validation and proof. Please respond in writing within 30 days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
I was given student loan forgiveness on XXXX accounts. They were removed in XXXX and XXXX it took away XXXX points from my XXXX XXXX. No my XXXX XXXX is a XXXX and I worked really hard to get that store and I can't even get financed for a hamburger at XXXX 's now. I want this fixed.

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 2025-07-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was given student loan forgiveness on XXXX accounts. They were removed in XXXX and XXXX it took away XXXX points from my XXXX XXXX. No my XXXX XXXX is a XXXX and I worked really hard to get that store and I can't even get financed for a hamburger at XXXX 's now. I want this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I am writing to formally dispute duplicate entries on my credit report regarding what appears to be the same debt being reported by two different collection agencies : XXXX XXXX XXXX XXXX {$3300.00} Columbia Debt Recovery ( Genesis ) {$3200.00} These entries are substantially similar in amount and nature and appear to be attempts to collect the same debt. Reporting the same debt more than once is a violation of my rights under the Fair Credit Reporting Act ( FCRA 607 ( b ) ), which requires credit reporting agencies to ensure maximum possible accuracy of the information reported. 

Additionally, if either debt is invalid or unverified, continuing to report or collect on it violates the Fair Debt Collection Practices Act ( FDCPA 807 and 809 ).

I am formally requesting : deletion of any duplicate or inaccurate listing ; Violations : FCRA 607 ( b ) Credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Reporting the same debt more than once, under different agencies, violates this provision.

FDCPA 807 ( 2 ) ( A ) Prohibits false, deceptive, or misleading representations, including the character, amount, or legal status of any debt.

FDCPA 809 If a debt is disputed, collection agencies must cease collection activity and verify the debt before continuing. Listing a disputed debt through multiple agencies without proper validation violates this right.

If you do not remove or correct these accounts within 15 days of receiving this letter, I will pursue legal action for damages and file formal Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven years. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: SC

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, and my Proof of Address.

Company response to consumer: Closed with non-monetary relief