vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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: TX

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 

XXXX5 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. 

In addition, the original owner of the debt was XXXX XXXX. Which closed my account without prior notice, so all payment information was deleted without notifying me. When I went to the XXXX XXXX XXXX, no one was able to explain to me what had happened or why they made the decision to close my account without prior notice. Therefore, the payments could not be made and they sold my information without my consent. The payment to settle the total debt was made to the original XXXX XXXX  agency, so the collection agency XXXX  XXXX XXXX has no right to the debt or to report such erroneous information on my credit report. Therefore, I request that such erroneous information be permanently removed from my credit report.

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 2025-09-29 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: TX

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 

XXXX5 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. 

In addition, the original owner of the debt was XXXX XXXX. Which closed my account without prior notice, so all payment information was deleted without notifying me. When I went to the XXXX XXXX XXXX, no one was able to explain to me what had happened or why they made the decision to close my account without prior notice. Therefore, the payments could not be made and they sold my information without my consent. The payment to settle the total debt was made to the original XXXX XXXX  agency, so the collection agency XXXX  XXXX XXXX has no right to the debt or to report such erroneous information on my credit report. Therefore, I request that such erroneous information be permanently removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: NV

Complaint narrative:
I submitted an identity theft report along with supporting documents, to the credit bureaus. Under the US fear credit reporting at 605 B, a credit bureau had 4 business days upon receiving required information. XXXX  was the only credit bureau to comply with the law.Trans Union and Equifax refused to. XXXX from Equifax said its company policy. To wait up to 30 days for it to be validated and then remove the information within four business days from there.

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 2025-09-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Conduent Incorporated
State: GA

Complaint narrative:
I had 3 weeks worth of benefits from GA unemployment sent to a pay card in XX/XX/year>. 
I have called way2 go multiple times and every single time I have been told they are unable to locate my account and when I provide my social its 2 or 3 ppl names on the account. & its giving them an error and to contact my unemployment office. I have verified my identity with way2go provided social and ID and was told I was good to go & I could activate my card. When I speak with unemployment they are telling me its nothing they can do & that they see the benefits were sent to way2 go and only they can access the records. How am I suppose to get my benefits if they are unable to locate my account I was sent a card when I applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: ID

Complaint narrative:
Problem paying card AMEX balance on-line. Payment due XXXX. Went to log on starting XXXX as usual but AMEX newly added a secret code which could ONLY be retrieved via email. Made several attempts to retrieve but the code never showed up, instead got log in message saying AMEX was having problems and to try again later, ( See screenshot attachments ). Later turned into XXXX & I finally had a chance to call AMEX. Of course wait times were longer than usual but I did get to talk with a representative who spoke fluent English. After explaining my problem he assured me i would not be charged interest or late fees because it was not my fault. I was put on hold and while waiting the XXXX  jumped in and sent me back to the beginning where I had to input info all over again. Next representative did not speak fluent English ( XXXX? ) and after about 30min he could not solve issue concerning the email codes. He did confirm no late fees or charges would be charged. I made a telephone payment then he decided it was my email at fault & we hung up. Last call I got an English speaker who solved the problem very quickly by entering my correct email address. However I now get charged interest & late fees on my latest bill which I am disputing. Seems like a former XXXX XXXX XXXX AMEX employee decided to add them without my notification. BTW I am considered a " XXXX  '' because I make a point of paying my bill in order to legally avoid them, Please see screenshots attached

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-29 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: TX

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: OH

Complaint narrative:
I reached out to an account representative via chat on Friday XX/XX/XXXX because I hadn't been able to make any transactions using my pin code for the last five days. I was told there was a system update that prevented me from processing any transactions using my pin code or resetting my pin code but that it would be completed, the system update, by XXXX XXXX  the following morning. I attempted to use my card at a Chime ATM Monday, XX/XX/XXXX and it said my pin code was wrong. When I contacted chime today I was told I needed to reset my pin through the app. And then wait 2 to 3 hours. And I should be able to make transactions using my pin code again.

I don't understand how they can deny me access to my funds by saying it's a system update causing the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: MD

Complaint narrative:
I am contacting you to dispute a credit report entry that I believe is the result of unauthorized activity. I did not consent to any such account, and its presence on my report is both inaccurate and concerning. I request a comprehensive investigation into this matter and the immediate removal of this fraudulent information from my credit 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 non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC
State: MI

Complaint narrative:
On XX/XX/year>, I entered into a loan agreement with Personify Financial XXXX XXXX XXXX XXXX  for {$4000.00}. Due to a {$200.00} origination fee, my principal was listed as {$4200.00}. The loan carried an APR of 88.53 %, requiring me to repay {$8600.00} over 52 bi-weekly payments.

The repayment schedule requires payments of {$160.00} down to {$160.00} every two weeks. The contract also includes a so-called rate reduction incentive, but it only applies if I make 13 consecutive on-time payments. If I miss even one, I remain locked into an APR of nearly 90 % for the entire loan. In total, this means I would pay over double the amount I borrowed.

Additionally, Personify charges late fees of {$30.00} or 5 % of the missed payment, whichever is greater, and the {$200.00} origination fee is non-refundable even if the loan is prepaid. This structure is predatory and unfair, as it exploits borrowers with extremely high interest, excessive fees, and conditions that make it nearly impossible to reduce costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$840.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : XXXX XXXX - Account Number : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$840.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$24000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
Calling all different family members who have no connection to me. In-laws as well as my siblings Noone else without my phone # should be contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: IN

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TomoCredit Inc.
State: CA

Complaint narrative:
Never responded with any information, never sent new card never refunded my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccuracies and potential violations of the Fair Credit Reporting Act ( FCRA ) found in my credit reports. These errors are severely damaging my creditworthiness and financial stability. Despite my right under federal law to have only accurate and verifiable information reported, the following false or unverifiable items remain on my credit file : Wrong / Incorrect Addresses Reported : XXXX XXXX XXXX XXXX XXXX, SC XXXX This is not my address. 

XXXX XXXX, XXXX, SC XXXX This is not my address. 
These addresses are completely unrelated to me and must be removed immediately. 

Erroneous Account Information : XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance Owed : {$13000.00} ) * * Reported as a Charge-Off. I dispute this account as inaccurate, unverified, and harmful. 

Unauthorized / Questionable Hard Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these inquiries. They are damaging to my credit profile and must be removed immediately.

Under the FCRA ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate and unverifiable information. Reporting agencies and furnishers are obligated to conduct a reasonable investigation and remove or correct all unverified, inaccurate, or fraudulent data.

These errors are not only misleading but also constitute negligence in maintaining the accuracy of my credit file. I am requesting the immediate removal of all the incorrect addresses, the deletion or correction of the XXXX XXXX account if unverifiable, and the removal of the unauthorized inquiries.

If these items are not removed or corrected within the time frame mandated by law, I will pursue further action, including but not limited to : Filing formal complaints with the Federal Trade Commission ( FTC ), Contacting my State Attorney Generals Office, and Seeking legal remedies for damages caused by negligent and unlawful 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 explanation
Consumer complaint received 2025-09-29 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: TX

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6400.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consu

mer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have discconcerningovered public records associated with my credit report that I do not recognize, which is deeply. I urgently request the removal of these entries, as they are causing me significant XXXX  and distress.

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 2025-09-29 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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