vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: OH

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its frustrating to see my credit get negatively affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me XXXX  and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. If you can not certify that all data belongs to me, these accounts and its respective charges must be removed entirely and I need you to address this as soon as possible to prevent further damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, I am writing to dispute unauthorized hard inquiries listed on my credit report pursuant to my rights under 15 U.S. Code 1681b and 1681i.

The following inquiries were made without my permission, are not tied to any open accounts, and violate the permissible purpose clause under the FCRA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: NC

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 explanation
Consumer complaint received 2025-06-11 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I applied for a refinance cash out loan with PNC bank on XXXX XXXX now it is XXXX of XXXX  and this company has done nothing but give me the run around knowing from the beginning they were never going to approve the loan in the first place. Now after providing all the documentation for almost 60 days. I'm being told the application is in archive and that I can reapply but that I will have to pay another {$75.00} fee .So basically this company has wasted my time took my money and my personal information. I feel as if I'm being discriminated against because of my race.Everytime I provided a document I was told it wasn't good enough. I tried to contact the loan specialist and at this point my phone call hasn't been returned as this has been the issue from day one. This bank is unprofessional and it's wrong to treat potential customers the way I have been treated giving me the run around .It doesn't take almost 60 days to approve anyone for a loan. Now I'm out of money my credit score has been affected because of the inquires. Basically, I'm back at square one. Also, the tasks that were given in the steps for the loan process were still at the underwriter stage after almost 60 days .I still didn't have an approval at this point. I expressed my concerns consistently with the loan specialist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I received 2 notifications from both XXXX XXXX and XXXX that a Nordstrom XXXX XXXX was opened yesterday on XX/XX/year>. This was fradulent, as not authorized by either myself or my wife.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
b'I received an email in XXXX about opening a new account with CapitalOne Quick Silver. I called the company and explained to them that I did not open this account they said it would be under investigation. I checked my credit report in XXXX XXXX and saw that it went into collections for this company for XXXX  I called Capital One again and asked it to be removed from my credit report due to it not being my information. The address that was on the account was XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never lived at this address. My current address is XXXX XXXX XXXX XXXX XXXX . I have been at this residence for 1 1/2  years now. Prior to that I lived at XXXX XXXX XXXX XXXX XXXX XXXX for 5 years.  Capial One said they would make a note and to call the debt collector to let them know that I made a dispute. I called the debt collector and they said that I was to fill out the information and they would put it under investigatons.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've worked hard to build my credit so, take this seriously. I found some big mistakes that are really hurting my score and these inaccuracies have been XXXX  me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. I need you to make sure all of my information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really upset and I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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 did not open these accounts this report is in regards to Trans Union deleting sensitive information such as police report and identity theft.gov reports Im requesting for this information to be permanently blocked and for Trans Union to send copies of my updated credit report, including the FTC identity theft affidavit I dont believe they have it. I believe theyre destroying evidence.

I also believe Equifax and Experian are also destroying evidence Im requesting for these items to be permanently blocked as well as the furniture be permanently blocked from sending fraudulent information. These are not my account so I did not open these accounts. Remove now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: TN

Complaint narrative:
I am filing a formal dispute and complaint against XXXX XXXX XXXX XXXX XXXX regarding an alleged debt they claim I owe. I have reason to believe the debt is either invalid, not owed by me, or not properly verified. 

XXXX XXXX XXXX has either contacted me without providing appropriate verification under the Fair Debt Collection Practices Act ( FDCPA ), or has continued to pursue collection despite my request for validation. I dispute the accuracy and legitimacy of the alleged debt, and I am requesting the CFPBs assistance in resolving the following : 1. Failure to validate the debt upon my written request.

2. Continued collection activity without providing proper verification.

3. Potential violation of my rights under the FDCPA, including repeated or harassing communications. 

I am requesting that XXXX XXXX XXXX : Provide full validation of the debt, including the original creditor, itemization, and proof of my obligation. 
Cease all communication and collection activity until the debt has been properly verified. 
Correct or delete any erroneous reports made to credit bureaus if the debt is found to be inaccurate or invalid. 

I would appreciate the CFPBs assistance in investigating this matter and ensuring that XXXX XXXX XXXX complies with all applicable federal regulations. 

Thank you for your attention to this issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: KY

Complaint narrative:
I received an email from XXXX XXXX stating there was a new inquiry on my account. I called the merchant shown on the credit report ( TD Bank USA/Target ) and they verified that there was a debit and credit card opened under my information. The debit card was opened using my bank account routing number and checking account number. The credit card was opened under my social security number. All of the information this person used to open these accounts was my information except the phone number and license number. I have no idea how they were able to obtain this information. I have called Target 's Fraud Department and they have let me know they did approve the debit card account but has now marked it as fraud and they have flagged the credit card account as fraudulent as well. I have yet to receive any proof that the accounts are closed and the hard inquiry is still on my credit report until they " find out who did it ''. I have froze my credit on all of the accounts and closed out the bank account they used as well. Target has not been very helpful, understanding, or responsive when trying to get the accounts closed. They are acting like since its all my information being shown then it must be me. I tried explaining that it wasn't and that someone had obtained my information and they cant seem to understand. They will only tell me what information doesn't match but nothing further. I have no proof from them at all that the accounts were closed and marked as fraud or that they have placed a dispute with the credit bureau. When I call Target Fraud they want my card number but I didn't open the accounts. I have no information to give them other than the fact that whoever opened the accounts used my information. They told me its hard to open a file when I have no information to give but so far using the last 4 of my social has opened the file. Other than that they haven't been very helpful since they are saying " Well it is your information in here ''. I am aware ... That's the fraud part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: WY

Complaint narrative:
On XX/XX/year> I was informed of closure of my US business account, the balance of the account at the time of closure was {>= $1,000,000}. I was informed that the funds would be sent to my business address via check. However, there has been no confirmation of the check being issued or sent. 
On XX/XX/year> at XXXX PM, I spoke with a representative over the phone who stated that their internal teams were still reviewing the matter and could not provide a timeframe of when they would be sending the funds. I was told I would receive a follow-up, which never occurred. 
On XX/XX/XXXX, XXXX at XXXX AM, I spoke with a representative over the phone and informed me that no update was available and that someone would contact me later that day. As of now, I have not received any further communication. 
I had provided letters and contact details from the payees on my account and the associated contracts, there is no valid reason to hold my funds and not allow me to pay suppliers who I owe money to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I saved up money for a down payment of a house purchase in Discover online banking. I broke a CD ( paid penalty ), moved it to my savings account with discover bank. I talked to their customer service and wiring department 10 days ago asked them how to do the wire for the closing of the house. They said just to do it on the online portal and it will be an easy thing to do. Two days before closing I went to the escrow company and tried the wire transfer. It said the request can not be processed. I was trying to wire domestically to an escrow company. Then the customer service said to try the next day morning and since the wiring dept is closed at XXXX XXXX PT. Then the next day early morning I tried the wire transfer again which didnt work out again. Then they said try with computer instead of mobile app. I tried again and it said it cant be processed. 
Then the wiring dept said its some technical issue and I dont have a choice except getting a cashiers check. Then the escrow company said they wont accept a cashiers check and it has to be a wire transfer. Now Discover bank is sending me a cashiers check and they didnt even sent it by overnight fed ex. According to them it will reach me in 2-3 business days and they cant give me a tracking number for 24-48 hours. Now I have to deposit this check in another bank and then wire transfer to escrow. Closing of the house got delayed and mortgage loan company is going to charge me every day a penalty for extending. I am going through this much hassle mentally and financially XXXX Discover didnt disclose to me earlier when I called that their wire transfer doesnt work properly and didnt recommend to get the cashiers check ahead of time. Today they are saying I was not able to wire transfer bc of fraud prevention. I am a government employee who is trying to wire money to an escrow company to buy a house. Discover bank was not transparent about this earlier and misled me causing lot of hassles. When I called them all they can say is we apologize for the inconvenience. Its more than an inconvenience. I want people to know when you use an online banking like Discover and when you need a big amount for closing a house or other big expenses you will have a hard time pulling it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: NY

Complaint narrative:
I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX  {$1000.00}. They are reporting this on 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 2025-06-11 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: FL

Complaint narrative:
I, XXXX XXXX XXXX, formally submit this complaint against Equifax Information Services LLC, which has repeatedly violated federal consumer protection laws by failing to correct errors, refusing to delete unvalidated debts, and allowing creditors to continue reporting inaccurate, misleading, and injurious data despite active disputes. 
Since XX/XX/XXXX, I have filed multiple formal disputes with Equifax and complaints through the CFPB portal regarding errors in my credit report. Despite these filings, Equifax has failed to correct or delete unverified accounts and continues improper reinsertion and monthly charge-off ( " CO '' ) re-aging, severely damaging my creditworthiness. 
On XX/XX/XXXX, my hired firm XXXX XXXX XXXX formally demanded deletion of multiple accounts citing their lack of validation from creditors. None of these deletions were honored. Instead, major furnishers ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) sued me, obtained default judgments, and severely injured my financial stability. 
Due to these ongoing violations, Equifax and these creditors have exposed themselves to legal consequences under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Florida state consumer laws. 
BACKGROUND WHY THIS MATTERS XXXXXXXX XXXX XXXX  Hardship : I am a XXXX XXXXXXXX XXXX currently XXXX  XXXX. Since XXXX XXXX, I have also been the primary caregiver to my former spouse, who suffered a XXXX XXXXXXXX and required extensive medical care. His Medicaid approval took six months, and I was forced to cover out-of-pocket expenses including medical supplies, transportation, and living costs. 

Debt Spiral & Credit Damage : The high medical expenses left me unable to pay credit cards, personal loans, and lines of credit, forcing me to seek debt resolution assistance from Elite Legal Practices in XX/XX/XXXX. 

XXXX Role in Financial Harm : Ignored multiple formal disputes filed since XX/XX/XXXX. 

Failed to delete unvalidated debt despite XXXX  formal deletion requests ( XX/XX/XXXXXXXX  ). 

Allowed creditors to sue me despite disputed accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 

Continued " CO '' charge-off re-aging each month, falsely lowering my credit score and preventing financial recovery. 

Risk to Housing & Transportation : My car lease expires XX/XX/XXXX, and these errors will prevent me from securing replacement financing. Without a vehicle, I can not commute to work or transport my spouse to therapy. 

This situation has put me in a position of extreme financial vulnerability, all due to Equifaxs refusal to act in compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: Global Lending Services LLC
State: GA

Complaint narrative:
b'XXXX XXXX XXXX-2022\nXXXX\nFraudulent ,this needs to be removed immediately'

Company response to consumer: Closed with explanation