vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CL Holdings LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo Whom It May Concern:\n\nSubject: Identity Theft Dispute  Fraudulent Accounts Opened Without My Consent\n\nMy name is XXXX XXXX, and I am writing to formally dispute multiple accounts and inquiries that were fraudulently opened using my personal information without my knowledge or authorization. I am the victim of identity theft, and after careful review of my credit reports, I have identified several accounts that I did not authorize or open. These actions were committed by my ex-spouse, who had unauthorized access to my sensitive personal information, including my Social Security number.\n\nThe following institutions have fraudulent accounts or inquiries reported under my 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 XXXXI did not apply for, open, or authorize any of these accounts. These were fraudulently created without my permission. I have filed an identity theft report with the Federal Trade Commission (FTC), and I am actively working to clear my name and restore my credit. My FTC Identity Theft Report and a police report are available upon request.\n\nDespite my repeated attempts to contact these companies and the credit bureaus to resolve this matter, these fraudulent accounts continue to appear on my credit reports and negatively impact my credit score. I am respectfully requesting the immediate removal of all fraudulent accounts and associated inquiries from my credit profile.\n\nAccording to the Fair Credit Reporting Act (FCRA), I am entitled to dispute information on my credit report that I believe is inaccurate or incomplete. I am invoking my rights under this act to demand the immediate removal and blocking of the fraudulent accounts listed above.\n\nPlease confirm in writing that these accounts have been removed and that no further collections or reporting will be associated with them. I appreciate your urgent attention to this matter.\n\nSincerely,XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: AR

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 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. 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 AR XXXX ACCOUNTS : XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$520.00} XXXX XXXX Account Number : 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 INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-06-12 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-06-12 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: OH

Complaint narrative:
These accounts do not belong to me, please block and remove according to XXXX XXXX XXXX Accounts were reinserted on credit report after CFPB had XXXX removed, please block and remove according to XXXX XXXX ( a ) ( XXXX ) ( 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 non-monetary relief
Consumer complaint received 2025-06-12 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXXXXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX. ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: COMMERCE BANK
State: MO

Complaint narrative:
My account was negative and I was charged a {$36.00} overdraft fee on XX/XX/year>. I have called and asked for that overdraft fee to be refunded since my account is no longer negative. The teller on the phone said the system is refusing to refund me and there is nothing more they can do, without giving me a reason on why the refund is denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmark Financial Services
State: AZ

Complaint narrative:
Ive been in contact with them explaining my situation to them letting them know that I was going through hardship but that I would be making payments when I was able tothe first payment was for XXXX but I was only able to pay XXXX which I did explain that to them before making the payment and which they applied the XXXX to the interest, and which they were not satisfied so they are continuing to call XXXX will continue to make the XXXX once a month as agreed to on the contract but the XXXX I can not make and if they are going to apply my payments to interest then there is no point in making a payment at allI am struggling trying to pay all my bills but i am also trying to make payments to them as wellI have contacted them asking for help with a resolution but instead they call me repeatedly and unsatisfied with my attempts of the payment I have made

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: FL

Complaint narrative:
I contacted Chime multiple times on XX/XX/year>, to tell them that I received a credit card and a debit card ( separate US mailings ) that I did not authorize and wanted to close immediately before anyone used them. XXXX XXXX asked me to provide the full card numbers or my DOB or my SSN. I refused -- because this is the info a criminal would need to perpetrate the fraud. This person refused to transfer me to a supervisor without giving him that information. I hung up and called again -- Agent 2 used my full name, address, last 4 digits of one of the cards- and confirmed an account had been opened in my name. She also asked for my email and then confirmed that my email was NOT the one used to open the account. I told this agent about my interaction with Agent # 1 and she stressed that I should NEVER give the full card number to someone on the phone -- but also said she had to transfer me to someone else to close. Agent # 3 again asked for my personal identity information so I asked to be transferred to his supervisor. The supervisor ALSO asked me for DOB, SSN, full card numbers. I explained that I was unwilling to give out information that could be used to perpetrate the fraud but that Agent # 2 had found my account with other information. I was put on endless hold and cut off at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: PA

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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. 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 XXXX PA XXXX ACCOUNTS : INQUIRIES 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 non-monetary relief
Consumer complaint received 2025-06-12 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: LA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-12 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: NC

Complaint narrative:
I recently discovered that Ive been a victim of identity theft, with numerous accounts being attempted to be added to my credit report and also fraudulent attempts to acquire things with my social security number. Here in particular Ive discovered XXXX unauthorized inquiries listed to my equifax credit profile, all on the date XX/XX/year>. I did not authorize any inquiries on said date. Ive already once submitted a report via this method through CFPB. However, equifax reps have stated that I must do so again and include identification documents. So I am doing so now. 

The companies and dates of the unauthorized inquiries are : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TGA
State: NJ

Complaint narrative:
The debt collection company, TGA Collections and directly XXXX XXXX ( director for litigation ), is attempting to threaten us with a bank levy on bank accounts without going to court, suing and WINNING a judgement against us. We will attach pictures from XXXX XXXX emails to us to confirm our concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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 am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-06-12 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 RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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 submitting a formal complaint regarding inaccurate and unverifiable credit reporting by XXXX, listed under account number XXXXXXXX XXXX XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
This account was previously disputed with the major credit bureaus, and XXXX  has deleted the account from my credit report due to the inability to verify the information provided by the data furnisher. Despite this, TransUnion and Equifax continue to report this account as a charge-off, with a past-due balance of {$490.00}, which I believe is both inaccurate and misleading. 
There are multiple discrepancies and concerns : The reported high credit differs across bureaus ( {$2500.00} with TransUnion vs. {$1600.00} with Equifax ). 
Equifax shows an OK two-year payment history through XX/XX/XXXX, which directly contradicts the charge-off status and the stated last payment date of XX/XX/XXXX. 
The comments vary between bureaus, and none provide specific verification or clear context regarding the alleged charge-off. 
The payment status, monthly payment amount, and credit limit are all either blank or listed as {$0.00}, suggesting the data is incomplete or improperly furnished. 
Under FCRA 1681s-2 ( b ), a data furnisher must not report information that is inaccurate or unverifiable, and under 1681i, consumer reporting agencies are required to delete information if it can not be verified after a dispute. Since XXXX has already removed this account, it is clear that the information provided by XXXX  could not be substantiated.

I am requesting that the CFPB investigate this matter and direct both TransUnion and Equifax to delete the unverifiable account from my credit file in accordance with federal law. 
I have included a screenshot of the conflicting report information as evidence. 
Thank you for your time and attention to this matter. I look forward to your resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: NC

Complaint narrative:
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. 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 NC XXXX ACCOUNTS : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00}

Company response to consumer: Closed with non-monetary relief