vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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 : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2025-09-22 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: MD

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

1681c2 ) that you, the Equifax 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 - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$1400.00} 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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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 a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
" I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or discharged. Such actions violate the automatic stay and discharge injunction under bankruptcy law. ''

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 2025-09-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
In XX/XX/year>, I received a returned envelope from PNC Bank containing a flood insurance check that had been issued jointly to me, XXXX XXXX XXXX ( the co-owner ), and PNC Bank

as mortgagee. The envelope had originally been sent by XXXX XXXX directly to XXXX XXXX XXXX with a self-addressed stamped envelope ( SASE ) requesting that the funds be sent to a P.O. Box address unrelated to the property or mortgage. The return address used was associated with a third party ( XXXX XXXX ), not listed on the mortgage or insurance policy. The mailing appeared to be in XXXX XXXX handwriting and used his own return address strategy.

I never authorized this request, and I was unaware of it until the check and envelope were returned to me by PNC Bank around XX/XX/year>. 

XXXX XXXX had no legal authority to redirect, reroute, or cash the check. His actions appear to be a fraudulent attempt to take possession of jointly held insurance funds, which I believe could violate federal and state laws involving : Attempted bank fraud ( 18 U.S.C. 1344 ) Mail fraud ( 18 U.S.C. 1341 ) Fraudulent schemes under A.R.S. 13-2310 Misuse of insurance instruments or escrow funds This incident occurred after I had filed for a XXXX XXXX XXXX XXXX and appears to be part of a broader pattern of financial retaliation and fraud.

I have retained copies of the returned envelope, check stub, and other evidence for verification.

I request that the CFPB and the involved financial institutions review this issue seriously and take appropriate steps to ensure there are no additional irregularities involving jointly held mortgage/insurance instruments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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:
Re : File Suppression / Missing Tradelines Defects 1. No tradelines disclosed.

o My Equifax file shows 0 accounts / {$0.00} balances/ no payment history, while XXXX  & XXXX  show numerous active tradelines. 
o Suppression is a violation of FCRA 609 ( a ) ( 1 ) ( full file disclosure ). 
2. XXXX / Dept. of Ed Loans, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX ). 
o Not reported at all. This is materially misleading. 
3. Inquiries missing. 
o Equifax does not list inquiries that XXXX report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that XXXX have been compromised. 
Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$820.00} Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$1000.00} Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$1000.00} Account Name : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$9200.00} Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$6500.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$920.00} Account Name : XXXX XXXX Account Number : XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$310.00} Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$650.00} Account Name : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$1100.00} Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$1200.00} Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$680.00}

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 2025-09-22 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: FL

Complaint narrative:
I am filling this FTC Theft affidavit to report fraudulent account appearing on my consumer FICO score credit report which i do not recognize as reported and which are the result of identity theft and fraud. XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: MA

Complaint narrative:
I would like to request the removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: FL

Complaint narrative:
My student loan was originally issued by XXXX XXXX XXXX and is now serviced by Firstmark Services. Prior to the transfer, XXXX informed me that my loan terms permitted cosigner release. This was a key condition I relied on when maintaining the loan. 

After the transfer to Firstmark, I requested the process to release my cosigner. Firstmark responded that my loan program does not offer cosigner release. I asked for clarification and documentation to explain this change, but I have not received evidence showing that my original loan terms have been altered.

I believe Firstmark is not honoring the original promissory note terms set by XXXX. This has created financial and legal hardship, as I need to remove my cosigner from this obligation. 

I am requesting that Firstmark provide clear documentation of my loan terms and honor the cosigner release option that XXXX represented to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: CO

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened an account with BMO on XX/XX/XXXX and struggled to open it since the online system would not work. Finally opened it once calling and then tried to link accounts to transfer funds. Even after small deposits were made to verify the account I could not link my external account to transfer funds. I was trying to transfer within a 30 day period to get a promotion applied to my account before the deadline. I called 5 times to get my transfer issue resolved and each time they said it was fixed. I had to verify myself, my business and even had to email proof of my external account. After calling multiple times and trying to get this issue resolved I had to open a case # with ref # XXXX on XX/XX/XXXX to get the issue of the deadline for the promotion extended. She told me she usually hears back in 24 hours and will call me. By XX/XX/XXXX I did not hear back and called again. After 30 min on the phone I was told the promotion deadline could not be extended so I requested to close my account. At this time they told me there would be a {$50.00} cancellation fee. I believe this is predatory since I have not been able to really use the account because of the issues of even opening it and depositing funds. After another 15 min I am now being told I need to call a branch manager XXXX XXXX XXXX to try to close my account without a fee. I believe BMO is purposing making things difficult to charge fees to me and trying to discourage me from closing the account by making it as difficult as possible.

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 2025-09-22 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: VA

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 XXXX business days of you receiving this complaint. 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! 

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have been a Capital One customer since XXXX with XXXX  years of on-time payments and excellent credit. On XX/XX/XXXX, Capital One unilaterally reduced my credit limit on my Quicksilver XXXX despite no delinquency or misuse. 

This action artificially raised my utilization ratio and lowered my score, creating a misleading impression of risk. That raises concerns under the FCRA ( accuracy of reporting ), the ECOA ( no clear adverse action notice provided ), and the CFPBs UDAAP authority. Capital One compounds the harm by making it impossible to appeal : their policy blocks any limit review for six months * because they just cut the limit themselves. * This catch-22 denies me access to a fair resolution.

I request reinstatement of my prior limit or a meaningful review without a hard inquiry ( that isn't denied simply through the catch22 above ), and a written explanation of the key rationale.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
For the past two months I have been charged late fees on my XXXX XXXX account even though I have paid on time, and the money has been cleared from my bank in time. On XX/XX/XXXX I paid via online bill pay and the check was delivered to them on XX/XX/XXXX. My due date was XX/XX/XXXX, the check was not noted for at least 6 days and then I was charged a late fee. I called and closed the account and then sent payment to pay off the credit card. It was paid via online banking on XXXX, delivered XXXX, and again not noted to my account until XX/XX/year> making it 5 days past my due date and I was subsequently charged yet another late fees. When I called to complain I was told there was nothing they could do, it was because it was a check and not electronic. However the checks sit there for days without being noted to an account until they are considered past due. I have screen shots from my bank showing when the checks were delivered, well before my due dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing the fraudulent accounts that have been reported under my name. I did not open, authorize, or have any involvement with these accounts, and their presence on my report is both false and damaging. These entries misrepresent my financial history and unfairly harm my credit standing.

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 2025-09-22 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: TX

Complaint narrative:
I am formally disputing the late payment currently listed on my credit history. This entry is false and inconsistent with my verified records of timely payments. Leaving it uncorrected is both misleading and damaging to my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Credit Control
State: TX

Complaint narrative:
I scheduled an appointment with XXXX XXXX XXXX XXXX XXXX for XX/XX/year> for XXXX XXXX and they said they will reach out to my insurance and check to see if I'll have an out of pocket expense. I called XX/XX/XXXX and XX/XX/XXXX right before the appointment to check to see if any amount will be owed for the appointment. I was told nothing will be owed. After the appointment, no co-pay amount was mentioned. Weeks later I recieved a bill in the amount of {$720.00}. 

I called to dispute the bill and asked them to verify their call records where I was told that there would be no co-pay owed. They refused and sent the bill to collections. Now I'm recieving calls from Continental Credit Control, a Credit Collection agency, on behalf of XXXX XXXX PA which is also kniown as XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter is to dispute fraudulent accounts listed on my credit report. I did not authorize or open these accounts, and their inclusion constitutes a false and damaging representation of my financial history. The harm caused by these inaccurate entries is unacceptable and must be rectified.

Company response to consumer: Closed with explanation