vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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:
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 : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I would not confirm any information over the phone and the person who stated his name is XXXX from XXXX threatened me. I have received back to back phone calls from company and they refuse to take me of do not call list

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 2025-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
XXXX I received a letter in the mail from premiere bailbonds saying I had until XX/XX/XXXX to pay or my account would be sent to collections. In the letter they threatened my credit, and the very nature of it seemed extremely unprofessional and was filled with wrong information. I have only missed XXXX to XXXX months of payment then paid {$250.00} on XX/XX/XXXX ( XXXX times my monthly payment of {$50.00} ). My account was still sent to collections. I spoke to AWA debt collection, and had the rudest employee try and handle my case. She alluded that I was lying, then when asked for a way to send documents, I was blown off and she ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: AZ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXX MD XXXX INQUIRIES : XXXX XXXX Date : XX/XX/24

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 2025-06-19 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: PA

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
Cashapp customer service has now concluded XXXX of my filed cases ( all the same case ) because nobody can figure out how to fix the issue. 

Account verification should be pretty straight forward. Picture of DL, STATE ID, or PASSPORT, are valid forms of ID. Ive tried all three, and pictures of my face. It still doesnt work. They refuse to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In XX/XX/year>, Comenity Bank closed my XXXX account, allegedly due to returned or late payments. However, no late payments are reflected on my credit report, which shows the account as Closed / Never Late. I was never notified in writing that the account would be closed due to payment behavior, which violates FCRA 1681m ( a ), requiring an adverse action notice. 

This closure immediately caused my credit utilization to exceed XXXX XXXX, despite my long-standing, on-time payment history. I am currently refinancing my home, and this inaccurate reporting is significantly harming my ability to move forward. 

I contacted Comenity Bank multiple times beginning in early XX/XX/year>. I requested a goodwill adjustment, reclassification of the closure to Closed at consumers request, and documentation of the alleged delinquencies and closure notice. They denied the goodwill request, failed to acknowledge their legal obligations, and have since stalled by saying the matter is under review. 

Despite the closure, I have continued making regular payments on the account. I am requesting the CFPB to investigate and require Comenity Bank to either reopen the account or reclassify it as Closed at consumers request, as the current reporting is incomplete and misleading under FCRA 1681s-2 ( a ) ( XXXX ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 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 2025-06-19 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Please report my authorized user XXXX XXXX XXXX XXXXXXXX XXXX line of credit to the 3 credit bureaus. And my card is being reported as XXXX XXXX when it should be reported as XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXX Address : XXXX XXXX XXXX XXXX XXXX AR 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

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 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Self Financial Inc.
State: NY

Complaint narrative:
Card is currently locked due to a previous thieft. 
I have tried calling support # to have card unlocked. When calling support the call get disconnected once information is inputed everytime. Also have tried using AI support which just gives general answers as to why card could be locked but no solution to unlock card!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am formally contesting inaccurate, incomplete, unverifiable, and unlawful information being reported on my credit file. This includes all accounts, inquiries, and personal information listed below. These entries fail to meet Metro 2 data field reporting standards and violate the Fair Credit Reporting Act ( 15 USC 1681 ), specifically : 1681e ( b ) : Failure to assure maximum possible accuracy 1681i : Failure to conduct proper reinvestigation 1681b : Lack of permissible purpose for inquiries 1681n : Willful non-compliance Federal law requires you to maintain verified, fully substantiated, and 100 % accurate records. Reporting data that lacks full factual proof is a direct violation of federal and state consumer protection laws.

I demand that you immediately conduct a full reinvestigation under FCRA 1681i and Metro 2 compliance. You are hereby instructed to furnish me with physical documentation proving : Legal ownership of each account Original application with my signature Full chain of custody of the alleged debts Contractual obligation for each inquiry Permissible purpose authorization for all inquiries Full Metro 2 field-level reporting compliance Failure to supply this documentation within the legally required timeframe will be deemed as your inability to verify, and I demand the permanent deletion of these unverifiable items from my credit report. 

The items being disputed are : Personal Information Disputed : Incorrect Name : XXXX  XXXX Incorrect Name : XXXX XXXX XXXX Incorrect Name : XXXX, XXXXXXXX XXXX  Incorrect DOB : XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Employer : XXXX XXXX Incorrect Employer XXXX XXXX  Collections Disputed : XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX - XXXX Inquiries Disputed : XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX You are fully aware of your legal obligations under federal law. If you fail to comply, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state Attorney General, and will consider legal action for willful non-compliance and damages under FCRA 1681n. 

Send me your investigation results and updated credit report by mail.

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 2025-06-19 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: MD

Complaint narrative:
I am formally contesting inaccurate, incomplete, unverifiable, and unlawful information being reported on my credit file. This includes all accounts, inquiries, and personal information listed below. These entries fail to meet Metro 2 data field reporting standards and violate the Fair Credit Reporting Act ( 15 USC 1681 ), specifically : 1681e ( b ) : Failure to assure maximum possible accuracy 1681i : Failure to conduct proper reinvestigation 1681b : Lack of permissible purpose for inquiries 1681n : Willful non-compliance Federal law requires you to maintain verified, fully substantiated, and 100 % accurate records. Reporting data that lacks full factual proof is a direct violation of federal and state consumer protection laws.

I demand that you immediately conduct a full reinvestigation under FCRA 1681i and Metro 2 compliance. You are hereby instructed to furnish me with physical documentation proving : Legal ownership of each account Original application with my signature Full chain of custody of the alleged debts Contractual obligation for each inquiry Permissible purpose authorization for all inquiries Full Metro 2 field-level reporting compliance Failure to supply this documentation within the legally required timeframe will be deemed as your inability to verify, and I demand the permanent deletion of these unverifiable items from my credit report. 

The items being disputed are : Personal Information Disputed : Incorrect Name : XXXX  XXXX Incorrect Name : XXXX XXXX XXXX Incorrect Name : XXXX, XXXXXXXX XXXX  Incorrect DOB : XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Employer : XXXX XXXX Incorrect Employer XXXX XXXX  Collections Disputed : XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX - XXXX Inquiries Disputed : XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX You are fully aware of your legal obligations under federal law. If you fail to comply, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state Attorney General, and will consider legal action for willful non-compliance and damages under FCRA 1681n. 

Send me your investigation results and updated credit report by mail.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under 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 2025-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
XX/XX/year> WAKEFIELD AND ASSOCIATES Is stating that I owe a medical debt that I have no knowledge of. Ive requested documents and they havent sent any. I want this to be removed from my credit expeditiously

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: CBC Companies, 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 explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: American First Finance, Inc.
State: PA

Complaint narrative:
Basically in a nutshell what happened was they gave me {$5000.00} they sent it to XXXX XXXX I never used it they took it out of my account put it back in my account and then I find out it's on my credit report with late payments that I've never I've never used any other money and now I took a credit hit and I can't get a mortgage now I was told to be another {$9100.00} because of going from a XXXX to a XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
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!

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