vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 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: OH

Complaint narrative:
There are XXXX hard inquiries on my credit report for Transunion that were unauthorized and need to be removed immediately XXXX XXXX XXXX XXXXXXXX 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 2025-07-27 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have a Pottery Barn credit card. I have XXXX promotional XXXX XXXX charges. When I pay they put half on each promotional balance. 

One expires XXXX. XX/XX/year> so I want to pay it off before the promotion expires. The other doesn't expire until next year. XXXX called and asked for my payment to applied to the promotional balance that is expiring this year. They would not. Most credit cards allow you to do this. 

It seems wrong since you most likely will be unable to pay it off before the promotion expires

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: KS

Complaint narrative:
I am disputing the following account listed on my credit report due to inaccurate information : Account Details : Creditor : XXXX XXXX XXXX  Account Number : XXXX Dispute Reason : The Date of Last Activity reported for this account is inconsistent across credit bureaus, which is inaccurate. 
Requested Resolution : Please delete or correct the inaccurate information in the account details section to ensure consistency across all credit bureaus. 

Under federal law, including the Fair Credit Reporting Act ( FCRA ), I understand that consumers have the right to dispute and request corrections for inaccurate information on their credit reports. I have reviewed information from the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), which confirms that credit reporting agencies and furnishers are required to report accurate information. The inaccurate information on this account is negatively impacting my ability to obtain credit. Please investigate this issue promptly and provide a response upon completion of your investigation. I appreciate your attention to this matter and look forward to a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Signed up for XXXX XXXX XXXX on letter states I do not qualify for lower interest credit card and feel class action lawsuit or at very least for this matter to be addressed. I have perfect credit about XXXX never paid late payment once to any credit card and all my cards are paid off in full except two with low balances due. 
Also noted real estate balance well none would show because I paid off my home 4 years ago Due to this is XXXX and lots of younger people shop at locations they get away without notice charging high interest rate when in my case is inaccurate or fraudulent.information. 
Due to this I will be canceling credit card paying balance off in full and telling them to XXXX. 
Also seeking attorney to inquire on Class Action suit XXXX  They just rip off younger people with good credit who may not notice or know credit rating HORRIBLE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2025-07-27 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: DC

Complaint narrative:
I am dealing with tax fraud related to a debt reported on my credit for a charge-off, and I continue to receive collection attempts. I have never been issued a 1099-C form, and I have many charge-offs on my credit report that I have been attempting to get removed. The debt has been reported as charged off, sold, and due simultaneously. Since the bank no longer owns this debt, nor do I, I request a chain of title to clarify ownership. I demand proof from the original creditors, as I have never received any verification regarding this debt. I acknowledge my responsibility, but I need assistance in resolving this issue. The failure to provide me with the necessary forms from the CFPB is troubling, especially as I am coordinating with the Federal Trade Commission concerning deceptive practices. I am seeking to have these charge-offs removedthese are debts that lenders were compensated for, just not by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am dealing with tax fraud related to a debt reported on my credit for a charge-off, and I continue to receive collection attempts. I have never been issued a 1099-C form, and I have many charge-offs on my credit report that I have been attempting to get removed. The debt has been reported as charged off, sold, and due simultaneously. Since the bank no longer owns this debt, nor do I, I request a chain of title to clarify ownership. I demand proof from the original creditors, as I have never received any verification regarding this debt. I acknowledge my responsibility, but I need assistance in resolving this issue. The failure to provide me with the necessary forms from the CFPB is troubling, especially as I am coordinating with the Federal Trade Commission concerning deceptive practices. I am seeking to have these charge-offs removedthese are debts that lenders were compensated for, just not by me.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I do not recognize these inquiries, and as such are reporting inaccurately. I demand they be removed, in accordance with the Fair Credit Reporting Act : 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 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 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 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 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OK

Complaint narrative:
On XX/XX/XXXX, I received a text message from ( XXXX ) XXXX claiming to be Chime Financial. This text message stated " Chime : An attempt to make a purchase for XXXX at XXXX on XX/XX/XXXX? Reply Yes or No. '' I then replied " No '' and received another text message " Chime Security : Thanks for confirming that transaction. A representative will reach out to you shortly. '' I then waited for Chime to contact me via phone call. I received a phone call from ( XXXX ) XXXX, from a XXXX XXXX ID # XXXX with Chime. This person had me log into my Chime app to " reverse '' the transaction, I was told to send {$1400.00} to XXXX. I then realized this was not Chime, so I made XXXX XXXX wait on the other line while I contacted the institution. I spoke with Chime who assured me this was fraudulent and filed the dispute for me, then transferred me to the Fraud Department to ensure that nobody else was able to see my Chime account. I was told that this would be settled within 10 days after the investigation took place, but I was not the only customer this was happening to to and assured me it would be handled and rectified accordingly. Today as of XX/XX/XXXX, I received a notification that my dispute was denied, and I would have to provide documentation to prove it was fraud in order for my dispute to be reopened. I asked for the denial documentation to be sent to me so that I could seek legal action, I was placed on hold and was never able to speak to anyone further. I then hung up and called the institution back, and again was not able to speak to anyone regarding this matter. The company is now publicizing that this is a fraudulent text on their website, yet refuses to assist me in rectifying the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: OK

Complaint narrative:
I tried both online ( through the form and chat ) and by telephone to get them to update my mailing address so I can obtain checks. They keep telling me my address is not valid and I need to contact USPS. I have been on contact with USPS and my address is valid ( proof is attached ). I was able to update my address just fine with several other financial institutions- the issue is with SoFi, not USPS. I spoke with 'account manager ' XXXX today who refused to do anything to resolve my issue and ultimately ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I APPLIED TO GET A APARTMENT AND I NOTICED SEVERAL ACCOUNTS THAT WERE OPENED IN MY NAME FRADULENTLY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: NJ

Complaint narrative:
I APPLIED TO GET A APARTMENT AND I NOTICED SEVERAL ACCOUNTS THAT WERE OPENED IN MY NAME FRADULENTLY

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I called and got on the website multiple times just to be told several times to call back after XXXX hours and they would XXXX able to help me just to keep going around and around again. The other XXXX credit reporting agencies I have no issues its just trans union. They need to have tech support fix this issue so whenever I need to freeze or unfreeze my credit I can do so. There is no reason for this.

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 2025-07-27 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: SC

Complaint narrative:
XXXXThese accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediatelyXXXX XXXX  Balance; XXXX XXXX XXXX  Balance: 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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). Please remove this unverifiable item. Clean, Legal, and Powerful. 

This reporting items I'm talking about is XXXX XXXX XXXXXXXX, how all XXXX loans are saying I am 120 days late on my report. 

Dates XX/XX/year> Under 15 US Code 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 US CODE 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report immediately. 

XXXX XXXX XXXXXXXX

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). Please remove this unverifiable item. Clean, Legal, and Powerful. 

This reporting items I'm talking about is XXXX XXXX XXXXXXXX, how all XXXX loans are saying I am 120 days late on my report. 

Dates XX/XX/year> Under 15 US Code 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 US CODE 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report immediately. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX RE : Dispute of Inaccurate Information under FCRA Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX To Whom It May Concern, I am formally requesting the investigation and removal of inaccurate and unauthorized information currently being reported on my Experian credit report. This request is made under the Fair Credit Reporting Act ( FCRA ), which gives me the right to dispute any inaccurate, incomplete, or unverifiable information. 
The following personal information is inaccurate and must be removed : - Incorrect Names : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX- Incorrect Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX Incorrect Employer : - XXXX XXXX XXXX Additionally, I am disputing the following unauthorized credit inquiries that I did not initiate : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX These inquiries were not authorized by me and are having a negative impact on my credit report. 
Please conduct an immediate investigation and remove all the disputed information listed above. Once resolved, I request that an updated copy of my credit report be sent to my mailing address. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/year>, I began receiving emails from Truist Bank welcoming me to a new checking account. I initially ignored them, assuming it was a mistake. However, on XX/XX/XXXX, I received additional emails confirming that my email address had been added to the account 's notification preferences. 

I searched Truist in my email inbox and discovered a series of emails related to this checking account, which had been opened under my maiden name, a name I have not used in over 8 years. I did not open this account and never authorized anyone to do so in my name. 

I immediately contacted Truist through their fraud and abuse department via email, but received no reply. I also called customer service multiple times. Every time I requested to speak with someone in the fraud department, the call disconnected. One representative promised to personally transfer me to someone in fraud, but again the call disconnected. 

When I called back and explained the situation, the representative told me that they could not help unless I provided personal information such as my Social Security number, which I declined to give over the phone for security reasons. I explained that my information had already been used without my knowledge or consent to open this account, and I was not comfortable sharing more. I was told there was nothing they could do without it. 

This situation is extremely concerning and has not been resolved. I have placed a fraud alert on my credit and reported the issue to the appropriate federal channels, but Truist is continuing to deny access to any information about the account, will not confirm or close it, and has not responded to my fraud report. 

I am requesting that Truist immediately investigate this fraudulent account, remove any connection to my email address, and confirm that no activity under my identity will impact my credit or financial records.

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