vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
N ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XX/XX/2025 {$110.00} HAS VIOLATED MY RIGHTS. 
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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: GA

Complaint narrative:
Good Evening, Recently I reviewed my credit reports and was shocked to see that I have been a victim of fraud. I do not recognize these accounts and request to have them removed. Here are the fraudulent accounts on my report : Name Account Number Date Opened XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX In addition to these fraudulent accounts I have also noticed several inquiries that are fraudulent and need to be removed as well.

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 2025-08-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: NV

Complaint narrative:
My chime account has XXXX fraudulent charges back to back of over XXXX $ they only refunded me XXXX of the charges and denied me the rest of them. My card was used for XXXX XXXX of some sort and I have filed with XXXX police department, fraud FBI, ic3 I believe and still I'm not getting what was fraudulently taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: SC

Complaint narrative:
Date : XX/XX/year> To : Experian, XXXX. XXXX XXXX, XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Late Payment - Failure to Notify - FCRA Violations RE : XXXX Account # XXXX To Whom It May Concern, I am writing to formally dispute inaccurate and inconsistent reporting regarding the above-referenced account on my credit file, as shown in your report. 

Inaccuracies Identified : Late Payments Reported Without Notice : XXXX was never notified by email, phone, or postal mail that this account was late. 
-I had paperless billing enabled, and no notice of late payment was received.

Per 15 U.S. Code 1681m, creditors must notify consumers of negative information being reported within a reasonable timeframe ( typically 30 days ). 

Inconsistencies Between Bureaus : XXXX and Experian show a 30-day late payment, yet my two-year payment history is marked entirely " OK ''. 
-XXXX  does not show a late payment in the 2-year history or on the 7-year history chart, yet all bureaus show the same account as Open and Current.

Violation of Accurate Reporting - FCRA 1681i & 1681s-2 ( a ) ( 1 ) ( A ) : Data furnishers are required to report only complete and accurate information.

Reporting a late payment without confirming the consumer was notified is a material inaccuracy.

* Requested Action : Pursuant to FCRA 611 ( 15 U.S. Code 1681i ), I am requesting that you : -Immediately investigate the accuracy of the late payment entries. 
-Remove any inaccurate or unverifiable late payment from my file. 
-Provide me with written confirmation of your findings and actions taken within 30 days as required by law. 

Attached are screenshots showing the conflicting payment history and account status across your bureau and others, further confirming the inconsistency. 
This account is in good standing, and any reported delinquency is unfounded without proper notice. If the furnisher of information can not provide verifiable proof that I was properly notified prior to reporting the late payment, it must be deleted immediately. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter in writing. 

Sincerely, This account was not properly investigated and I did not receive any verifiable proof that I was properly notified prior to reporting the late payment.

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 2025-08-28 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: 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 IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: 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 IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I was notified that I owe a Debt of {$700.00} dollars from LVNV Funding LLC on XX/XX/year>2025 this year and the debt was sold from XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CO

Complaint narrative:
I am requesting validation of the debt referenced above under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Please provide : The name and address of the original creditor. 
Proof that I owe this debt, including a full account history. 
Proof that you are authorized to collect this debt. 

Until you provide this information, you must cease collection activities, including reporting to credit bureaus. 

This letter is not an acknowledgment of the debt. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
Yesterday I got the notification that there were unauthorized inquiries now reporting to my credit report in which I did not authorize or receive any goods or services in exchange for these need to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These debt collectors violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am requesting a written accounting of the debt and the sale. This should show the total amount owed, the sale price of the vehicle, and a breakdown of all expenses in regards to account # XXXX. I feel that after over paying on the loan and the extensive interest amounts thereafter, you viciously took possession of the vehicle without giving me any notice or any information of it being sold. My personal belongings were kept and none was offered to me or sent to me after I tried to make arrangements to retrieve my property. In recent time, even after paying the settlement amount, your company has not deleted any of the negative history you falsely reported nor have you completely deleted the account from my report or updated the XXXX XXXX XXXX XXXX in payments made from me.So I am requesting all of this information that I have not received when rightfully, I should have because the vehicle was not a repossession... your company overcharged on the interest and payments, wouldn't refinance or even acknowledge the payments made were well beyond the loan amount and during the peak of COVID.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
These items are involved in identity theft and business address doesnt belong on personal credit report fico

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: MI

Complaint narrative:
These items are involved in identity theft and business address doesnt belong on personal credit report fico

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 2025-08-28 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: OK

Complaint narrative:
Complaint Against : Experian Information Services, Online Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Summary of Complaint : I am filing this complaint because Experian and the furnishers listed above are reporting unverified, inaccurate collection accounts on my credit report. These accounts do not have any supporting documentation such as signed contracts, itemized billing, or proof of assignment of debt. 

This violates my rights under the Fair Credit Reporting Act ( FCRA ) : 1681e ( b ) : Failure to ensure maximum possible accuracy.

1681i ( a ) : Failure to conduct a reasonable reinvestigation after dispute.

1681i ( a ) ( 5 ) : Failure to delete unverifiable accounts.

1681s-2 ( b ) : Furnishers failed to properly investigate and validate debt reporting. 

I am requesting immediate deletion of the following accounts XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( {$300.00} ) XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( {$1400.00} ) Requested Resolution : Permanent deletion of these collection accounts from my credit report. 
Written confirmation that these items will not be reinserted unless full verification is provided ( per FCRA 1681i ( a ) ( 5 ) ( B ) ).

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 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
My american express XXXX  card got renewed after 1 year. I called Amex a month ago and they told me that I could wait an extra month before deciding whether I wanted to keep it or not. 

I called them yesterday and told them I wanted to cancel but they told me it was too late as I waited a couple of days more than I should have. I then asked for a prorated refund ( not whole amount since the new cycle started a month ago ) but they aboslutely refused, only offering to cancel my card if I wanted but they would keep the {$690.00} I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Delete Hard Inquiries : 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 a 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 ) ( a ) 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. 

Delete the accounts below : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-08-27 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. 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!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-27 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. 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!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: CT

Complaint narrative:
Cashapp. Card information stolen. Fraudulent activity. I have used them for years and all of a sudden a few XXXX dollars to XXXX vendor unauthorized. Contacted support, closed cards, gave information requested. Account closed with no follow up, no information. Logged in to contact cashapp support and was blocked from them with no ability to speak to support and was not provided documentation or follow up questions. Thousands gone and just blocked. Im at a loss, I followed all regulations, answered all questions and just blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CL Holdings LLC
State: GA

Complaint narrative:
I have no record of getting any car XXXX XXXX my information was in a data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX Social Security Number : XXXXXXXX Date of Birth : XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , 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. These accounts consist of a open at XXXX XXXX on XX/XX/2025 under acc number XXXX with a balance of XXXX an account opened at XXXX XXXX XXXX XX/XX/2025 under acc number XXXX with a balance of XXXX an unknown address is also appearing on my report because of this identity theft XXXX XXXX XXXX XXXX XXXX ga XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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