vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: GA

Complaint narrative:
I am formally disputing multiple unauthorized inquiries on my credit report. These entries were made without my consent, have harmed my credit standing, and continue to negatively affect both my credit score and financial well-being.

I previously contacted your agency and was assured these inquiries would be removed, yet they remain. This failure to act is unacceptable. The presence of these unauthorized and potentially fraudulent entries strongly suggests possible identity theft and represents a serious breach of my consumer rights.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I informed TransUnion, equifax and XXXX  ... Numerous times have i tried to resolve this matter. i live private and it's illegal to report on my credit without my consent. Refusal to remove charged off accounts, collections and fraudulent activity is negligent and illegal. To whom concerns. If u reporting on it you must have documents that support your actions to do so. I would like those items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: GA

Complaint narrative:
I am formally disputing multiple inaccurate entries on my credit report. These entries are incorrect, have materially harmed my credit, and continue to cause significant financial and emotional 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 2025-09-26 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: GA

Complaint narrative:
I am formally disputing multiple unauthorized inquiries on my credit report. These entries were made without my consent, have harmed my credit standing, and continue to negatively affect both my credit score and financial well-being. 

I previously contacted your agency and was assured these inquiries would be removed, yet they remain. This failure to act is unacceptable. The presence of these unauthorized and potentially fraudulent entries strongly suggests possible identity theft and represents a serious breach of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Bank offered a {$200.00} promotional bonus to open an Ally XXXX  account and fund it with {$1000.00} or more. The {$200.00} bonus would be paid within 30 days after the account balance reaches {$1000.00}, per the terms and conditions of the promotion. The account balance must remain at or above {$1000.00} until the bonus is received. After 30 days, Ally bank does not send the bonus. When the customer asks why they didn't receive the bonus, Ally says that they will put in a referral to have it manually paid to the account and they say that this takes 30-45 days for this to occur. They require that the account balance remains at or above {$1000.00} for the 30-45 days. Effectively, they are just promising customers an account bonus in order to use their money and then they never send the bonus. At the end of the 30-45 days, they come up with another excuse and send another request to have the bonus manually paid. They never end up sending the bonus.

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 2025-09-27 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: FL

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have requested multiple times for Experian and Equifax to remove fraud accounts. Experian and Equifax requests extra documentation but their online support system has never worked. For over 6 months of me trying. Therefore Experian and Transunion are not abiding with allowing me to submit the proper ID documentation. 
Then They still have not removed or finished investigation which is clearly past the 30 day mark according to the law. 

This is a clear violation of the law. 
Notice of Dispute and Demand for Deletion This letter serves as my formal dispute of the account listed above, which is being inaccurately reported by your bureau in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 ( c ) ( 2 ).

I have already filed identity theft reports with both the FTC and the CFPB, and I demand immediate removal of this fraudulent, derogatory account. Under 1681 ( c ) ( 2 ), credit reporting agencies are legally required to block and delete information that a consumer identifies as the result of identity theft, upon receipt of an identity theft report. 
The following account must be removed in its entirety : Creditor : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Status : Collection / Charge-Off Balance : {$20000.00} Date Opened : XX/XX/XXXX Reported : XX/XX/XXXX Remarks : Charged off as bad debt | Profit and loss write-off Creditor : XXXXXXXX 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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate and fraudulent information being reported on my credit report and to notify you of a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 605B. Under this statute, if I report to you that an account is fraudulent, you are required to remove it from my credit report within a reasonable time frame. 
It has come to my attention that certain fraudulent accounts are still being reported under my name and Social Security Number, despite my previous notification to you regarding these fraudulent activities. I have already submitted proper documentation indicating that these accounts were opened as a result of identity theft, and they should not be appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This complaint is legitimate and requires your immediate attention. My credit report contains inaccurate information that does not meet the Fair Credit Reporting Acts standard of maximum possible accuracy. These errors are causing serious and ongoing harm to my personal and financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: LA

Complaint narrative:
This complaint is legitimate and requires your immediate attention. My credit report contains inaccurate information that does not meet the Fair Credit Reporting Acts standard of maximum possible accuracy. These errors are causing serious and ongoing harm to my personal and financial well-being.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Sometime between XX/XX/year> and XX/XX/year>, an inaccurate and damaging credit report was sent to multiple of my creditors. The report falsely stated that I was severely late on multiple accounts. This information was not correct. I never found the report and disputed the issue with my creditors with no help. 

At the same time, my banking information was compromised, and fraudulent charges were made against my account. These two issues combined triggered a chain reaction of harmful consequences : 1. Creditors Closing Accounts At least 10 of my creditors closed my accounts based on the inaccurate reporting. Removing over {$50000.00} of available credit.

2. Reduced Credit Limits The remaining creditors drastically reduced my available credit.

3. Severe Impact on Credit Profile The combination of closed accounts and reduced credit lines has significantly lowered my overall credit score and financial standing. 

This situation has had a life-changing impact on me. I have lost access to credit and financial resources that I previously relied on. The inaccurate reporting and fraud, and the subsequent actions of my creditors, have created long-term damage to my personal credit, financial stability, and ability to obtain new credit. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter, require the inaccurate reporting to be corrected, and ensure my creditors update my accounts accordingly to restore my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Sometime between XX/XX/year> and XX/XX/year>, an inaccurate and damaging credit report was sent to multiple of my creditors. The report falsely stated that I was severely late on multiple accounts. This information was not correct. I never found the report and disputed the issue with my creditors with no help. 

At the same time, my banking information was compromised, and fraudulent charges were made against my account. These two issues combined triggered a chain reaction of harmful consequences : 1. Creditors Closing Accounts At least 10 of my creditors closed my accounts based on the inaccurate reporting. Removing over {$50000.00} of available credit.

2. Reduced Credit Limits The remaining creditors drastically reduced my available credit.

3. Severe Impact on Credit Profile The combination of closed accounts and reduced credit lines has significantly lowered my overall credit score and financial standing. 

This situation has had a life-changing impact on me. I have lost access to credit and financial resources that I previously relied on. The inaccurate reporting and fraud, and the subsequent actions of my creditors, have created long-term damage to my personal credit, financial stability, and ability to obtain new credit. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter, require the inaccurate reporting to be corrected, and ensure my creditors update my accounts accordingly to restore my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: CA

Complaint narrative:
I reported inquiries on my account to Transunion, Equifax and Experian and I was told I needed to file a formal complaint with the consumer financial protection bureau first. after I filed a complaint, I was to send them a copy of my complaint and they would investigate/delete inquiries. 
XXXX 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 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 2025-09-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reported inquiries on my account to Transunion, Equifax and Experian and I was told I needed to file a formal complaint with the consumer financial protection bureau first. after I filed a complaint, I was to send them a copy of my complaint and they would investigate/delete inquiries. 
XXXX 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 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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
The company has sent documentation with landlords signature. Please provide the actual eviction documents not falsified documents. I did not move out in XXXX of XXXX. I moved out in XXXX of XXXX  after rat infestation. Ive never been to court for an eviction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
My brother passed away in XXXX. After some time in XXXX, I found that he had some money invested in crypto currencies with crypto.com. After filing and succeeding with a probate petition, they have not released the funds. I have provided all information they requested and continue to say that they are waiting on another department to finish with their work. The account balance was {$6300.00}, on XX/XX/year>. On XX/XX/XXXX, I signed paperwork that states that the right to recover the assets. From XX/XX/XXXX to now, they continue to state that they will give me an update on the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: American First Finance, Inc.
State: IL

Complaint narrative:
I financed some furniture from a store and didn't recieve the contract and wasn't told about the extra fees the store advertised 90 day same as cash but the finance company kept repeating on the phone that they are not same as cash repeatedly. When that info should have been given before was forced to get the financing with hidden fees! Then the representative told me it's not the store jobs to tell us that and that we should read the contract that I wasn't given until today

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXXOn JXXXX XXXX XXXX citi bank put a freeze on my account for unknown reasons after I made a bank transfer into my account for XXXX  on the XXXX XXXX XXXX, I went to my bank to get more information as the bank manager also was not sure why my account was locked. After almost 2 weeks my account was finally restored and showed that ther was significantly less money in my account approximately XXXX i contiu the store Continuously reached out to the bank to make them aware of the missing funds They kept telling me I had spent almost XXXX in a 2 1/2 day period which I was adamant that they were mistaken as I have my transaction history screenshots because of my account funds constantly being inaccurate and funds missing on a continuous basis which I have significant proof of, they either don't have any information to provide or simply hang up which I have detailed recordings to prove this, they also made the claim that my funds were at that amount due to purchases made a week prior which was also false, I've had significant issues with XXXX  and my account balance not being accurate I have made sure to take videos and screenshots of the inconsistencies with my account balance and it's obvious that I'm a victim of theft and fraud I have brought this up numerous times as well as making them aware that I feel that this is occurring from inside sources because it's a repeat issue with my account's inaccurate information and balance I am at a loss as to what to do all my interactions with them to try to rectify this problem is to no avail and I am very sure that they are aware of this issue yet have done nothing to resolve it, the recordings I hv obtained in my correspondence with them sows lack of professionalism and some where im being yelled at by representatives. I am at a loss as to what do anymore and feel that they are careless and think they will get away with this. My statements and the evidence I have gathered will absolutely prove that they are involved with these deplorable acts to consumers who are entrusting them to safeguard our finances. I hope they are held liable for the damages, XXXX XXXX XXXX XXXX caused by my funds being stolen. I wouldn't wish this on any family as it's caused immense distress on my family and our financial wellbeing and I do not trust my finances with any bank due to the fear of waking up constantly to find more and more funds missing and Citibank not showing any emphatic nor help to try and find out what & why this is occurring and how to rectify it. I truly hope that they are held liable for their actions and fraud on their consumers. Thank you kindly, 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 monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I challenge the inclusion of accounts never established by me. Kindly investigate comprehensively and expunge them. Documentation accompanies this request.

Company response to consumer: Closed with explanation