vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am filing a formal complaint regarding several closed accounts that are being inaccurately reported on my credit reports by Account info Account name : XXXXXXXX XXXX XXXX XXXX BALANCE : {$550.00} OPENED XXXX PLACED FOR COLLECTION This account is continuing to report with false, outdated, or unverifiable information, violating both the Fair Credit Reporting Act ( FCRA ) and Metro 2 industry compliance standards. I have already disputed these accounts directly with the credit bureaus and requested : The method of verification used to confirm the accuracy of each closed account Full Metro 2 compliance documentation, including : Correct date of first delinquency ( DOFD ) Base Segment integrity Proper condition codes Status and payment history blocks formatted per CDIA guidance Clarification on why these accounts are reporting with negative or outdated data despite being closed The credit bureaus have responded with a generic verified response and have failed to produce any documentation or proof required under FCRA 611 ( a ) and the Metro 2 Format Guide. Additionally, some accounts are reporting inconsistent data across the three bureaus ( i.e., different balances, dates, or statuses ), which is a direct sign of data integrity failure under Metro 2 and FCRA. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and launch an immediate reinvestigation. If the furnishers and credit bureaus can not verify these closed accounts with full Metro 2 formatting compliance and proper documentation, they must be permanently deleted from my credit report. I am attaching : A copy of my credit report showing the closed accounts in question Prior disputes submitted to the bureaus If the furnishers or CRAs fail to produce compliant records or Metro 2 formatting as required, I request full deletion of these unverifiable accounts under federal law. Thank you for your urgent attention.

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 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
Subject : Complaint about Misleading Credit Card Offer and Unprofessional Behavior XXXX Branch Manager XXXX XXXX Dear Bank of America Customer Service, We are writing to formally submit a complaint regarding an incident involving XXXX XXXX XXXX, the branch manager at the XXXX, XXXX  location. 

In XX/XX/XXXX, my husband ( XXXX XXXX XXXX XXXX ) and I ( XXXX XXXX XXXX XXXX XXXX visited the branch to update our identification from passports to Social Security Numbers. During that visit, XXXX XXXX offered us a credit card, stating that a {$99.00} security deposit would be charged but that the amount would be fully refunded within a maximum of XXXX months. 

XXXX months passed and we never received the refund. When we contacted Bank of America, we were told that this information was false and that we needed to return to the branch and speak directly with the person who had made the offer. 

Today, XX/XX/XXXX, we went back to the branch and spoke directly with XXXX XXXX. His attitude was arrogant and disrespectful. He denied ever making such a statement and responded mockingly, saying that he was the best at closing deals. 

We calmly asked to close our accounts and return the credit card to recover the {$99.00} deposit. XXXX XXXX rudely stated that this could only be done by phone and that he could not help us. 

This experience was disappointing and unacceptable. We feel misled and disrespected by someone who should represent your institution with integrity. We request that you investigate this matter and take appropriate action. We also formally request the reimbursement of the {$99.00} deposit as promised. 

Our Bank of America account number is : XXXX Please confirm receipt of this complaint and let us know the steps that will be taken to resolve this situation. 

Sincerely, XXXX XXXX XXXX XXXXXXXX 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 2025-07-12 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: FL

Complaint narrative:
Dear CFPB, I am writing to formally submit a complaint regarding the handling of my credit report by TransUnion in relation to certain collections accounts. 

On multiple occasions with the last onewas on XX/XX/year>, I requested validation for the following collections accounts listed on my credit report : XXXX. XXXX XXXX Account Number - XXXX XXXX. XXXX XXXX XXXX Account Number - XXXX XXXX. XXXX XXXX XXXX XXXX Account Number- XXXX XXXX. XXXX XXXX XXXX Account Number- XXXXXXXX XXXX XXXX XXXX XXXX- Account Number XXXX Despite my request for validation, I have not received any supporting documents or proof from the collections companies associated with these accounts. According to the Fair Debt Collection Practices Act, I have the right to request validation of debts, and I expected the credit bureau to comply with this request.

However, TransUnion confirmed the existence of these accounts on my credit report without providing me with the requested validation. This has caused me significant distress and has negatively impacted my credit score.

Also I reported this account to the Federal Trade Commission and i filed my identity theft report with them.

I request that the CFPB investigate this matter and take appropriate action to ensure that my rights are protected. I would also appreciate guidance on how to proceed in resolving this issue.

Thank you for your attention to this matter.

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear CFPB, I am writing to formally submit a complaint regarding the handling of my credit report by TransUnion in relation to certain collections accounts. 

On multiple occasions with the last onewas on XX/XX/year>, I requested validation for the following collections accounts listed on my credit report : XXXX. XXXX XXXX Account Number - XXXX XXXX. XXXX XXXX XXXX Account Number - XXXX XXXX. XXXX XXXX XXXX XXXX Account Number- XXXX XXXX. XXXX XXXX XXXX Account Number- XXXXXXXX XXXX XXXX XXXX XXXX- Account Number XXXX Despite my request for validation, I have not received any supporting documents or proof from the collections companies associated with these accounts. According to the Fair Debt Collection Practices Act, I have the right to request validation of debts, and I expected the credit bureau to comply with this request.

However, TransUnion confirmed the existence of these accounts on my credit report without providing me with the requested validation. This has caused me significant distress and has negatively impacted my credit score.

Also I reported this account to the Federal Trade Commission and i filed my identity theft report with them.

I request that the CFPB investigate this matter and take appropriate action to ensure that my rights are protected. I would also appreciate guidance on how to proceed in resolving this issue.

Thank you for your attention to this matter.

Thank you 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 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: OH

Complaint narrative:
This is a formal notice that a hard inquiry appearing on my credit report is not recognized or authorized by me. I am exercising my right under 15 U.S.C. 1681i of the Fair Credit Reporting Act to request verification.

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 2025-07-11 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: NJ

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : DEPTEDXXXX Account # : XXXXXXXX XXXX XXXX XXXX Account # : XXXX DEPTEDXXXX  Account # : XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXX 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-07-12 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: CA

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: CA

Complaint narrative:
I've got a call from XXXX & XXXX stating that i have some documents to sign for the county or they will file a lawsuit if i don't call back. My worries is that my sss no., my address or any personal information may leak and may be subjected for identity theft. He/ she was asking me to pay $ XXXX for a US bank credit i got from XXXX which i didn't applied for and told me i have to go to court if i didn't pay.

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 2025-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: CO

Complaint narrative:
Because of some extenuating circumstances, I need to get a car without a down payment immediately. Carvana 's website and advertising describe buying a car " on your terms ''. One would assume that they get to set the terms. That is, however, not the case. Carvana, in my case, will not allow me to set a down payment of {$0.00}, which is what I need. I attempted to resolve this with customer support, however XXXX, XXXX, and " XXXX '' ( who identified himself as XXXX ) were either unwilling to help or do not have the proper tools to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: OH

Complaint narrative:
I had a checking account for about a year with Cash app and here lately. XXXX kept hitting me with chargers that I did not authorize. They wouldnt repair it or fix it so I had to close that account and open another one. Ive spent {$150.00} on cards trying to cure this problem and now with this new account that I have with them, theres a typo error on my legal name and they wont change it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: FL

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution of my prior dispute submitted on XX/XX/XXXX, concerning multiple unauthorized credit inquiries that continue to appear on my consumer report. Despite the time elapsed, I have not received any meaningful resolution or documentation in response. 
According to my rights under the Fair Credit Reporting Act ( FCRA ), I am protected from unauthorized access to my credit file and entitled to full transparency and corrective action when such access occurs. Specifically, I invoke the following sections : Applicable Legal Basis Section 611 ( 15 U.S.C. 1681i ) : Mandates that credit reporting agencies must promptly and reasonably investigate any disputed information. Over 30 days have passed since my initial dispute, and no proper reinvestigation or results have been provided.

Section 609 ( 15 U.S.C. 1681g ) : Grants me the right to obtain full disclosure of the information in my credit file, including a record of who accessed it and the results of any investigation. This has not been fulfilled.

Section 604 ( 15 U.S.C. 1681b ) : Defines the only permissible purposes under which my credit report may be accessed. These inquiries were made without my knowledge or consent and do not qualify under any allowable criteria. 
Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I never authorized these inquiries, nor was I presented with any terms of credit, application, or consent relevant to these entities.

Formal Request for Resolution I hereby demand the following actions be taken without further delay : Reinvestigation : Conduct a thorough and documented reinvestigation of each inquiry listed above.

Removal : Delete all inquiries found to lack a permissible purpose or valid consumer authorization.

Updated Credit Report : Provide me with an updated and corrected copy of my credit report once all unauthorized inquiries have been removed.

Verification Documents : Provide written documentation explaining the basis under which each inquiry was made, including certification of authorization or proof of any alleged consumer application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
I am writing to formally dispute a late payment entry recently identified on my credit report. After a detailed review of my statements and payment confirmations, I believe this record to be inaccurate.

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 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Got a XXXX XXXX credit card from Barclays of Barclays Bank Delaware in the mail in XX/XX/year>. Called immediately at XXXX XXXX  to cancel the card. They took my phone number and said their fraud department may be calling later.

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 2025-07-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I made a deposit of {$180.00} to my PayPal debit card on XX/XX/year>. It showed up on my list of debits and credits on my PayPal XXXX app and everything was great. 

That's when the issue occurred that worries me and should worry XXXX : The {$180.00} disappeared from the list of my debits and credits. Even though the balance is correct, the {$180.00} deposit MUST be in my list of debits and credits, but for some unknown reason PayPal is FIGHTING me because they don't want to put it back on my list of debits and credits. 

I even wrote to XXXX, who, it seems, underwrites PayPal banking activities. They took it so seriously that they DIDN'T EVEN RESPOND. That's when I knew I had to complain to a government agency. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/year> -- {$1000.00}

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 2025-07-12 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: FL

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding numerous unauthorized credit inquiries that have appeared on my credit report Equifax. I am the victim of identity theft, and I am requesting immediate investigation and action under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 
I recently reviewed my credit reports and found several hard inquiries that I did not authorize. These inquiries were made by financial institutions and companies with which I have no current or prior relationship. I have reason to believe that these inquiries are a direct result of identity theft. 
Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) In accordance with 15 U.S.C. 1681c-2, I have filed an identity theft report, which includes a formal complaint and supporting documentation, such as a police report or an FTC Identity Theft Report. Under this statute, credit reporting agencies are required to block any information resulting from identity theft within four ( 4 ) business days of receiving proper documentation. 
The following legal provisions have been violated in relation to these unauthorized credit inquiries : 15 U.S.C. 1681b ( c ) Permissible Purpose : Credit inquiries must be made only with the consumers authorization or for a legitimate business purpose. These inquiries were made without my knowledge or consent. 
15 U.S.C. 1681c-1 ( a ) ( 2 ) Fraud Alerts : I have placed a fraud alert on my credit file, and creditors must take reasonable steps to verify identity before extending credit. These inquiries indicate a failure to comply.

15 U.S.C. 1681c-2 Blocking of information resulting from identity theft : The credit reporting agencies have failed to block or investigate the unauthorized inquiries despite being informed of the theft.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Duty to reinvestigate : The credit bureaus are obligated to conduct a reinvestigation upon notice of a dispute, which they have failed to do regarding these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief