vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This is a formal complaint and demand for the immediate deletion of all personal and consumer information stored by XXXX XXXX XXXX, Clarity Services, and XXXX ( collectively data furnishers ). 

Pursuant to the Graham-Leach-Bliley Act ( 15 U.S.C. 68016809 ), I hereby exercise my right to opt out of the collection, retention, and disclosure of my nonpublic personal information ( NPI ) to any non-affiliated third parties. The GLBA requires financial institutions and consumer reporting agencies to protect the confidentiality and security of consumer data and to honor opt-out requests. 

This is also a formal dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). The data being reported about me is inaccurate, incomplete, and lacks a permissible purpose under 15 U.S.C. 1681b. Your storage and sharing of my information has caused credit denials, increased insurance premiums, and measurable financial harm.

I am demanding that each company : Permanently delete all files, records, and reports associated with my personal identifiers. 
Cease all future collection, storage, and sharing of my information. 
Provide written confirmation within 30 days of full deletion. 
Failure to comply constitutes willful noncompliance under the FCRA and violations of the GLBA, which will be pursued through litigation. This complaint is being filed with the CFPB to enforce immediate action and ensure removal from all databases and third-party systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TN

Complaint narrative:
A prepaid gift card from XXXX was gifted in the amount of {$100.00}. The card came with both a card number and security code. When I attempted to obtain information about the balance and register the card online, I was directed to the website www.prepaidgiftbalance.com. This website is currently broken and inaccessible, preventing me from registering or activating the card. I also called the phone number listed on the back of the card ( XXXX ), but the representative was unable to provide any information or assistance, instead directing me back to the same non-functioning website. 

The card has not been used, yet I am unable to verify its balance, register it, or activate it for use. This has caused unnecessary inconvenience and renders the {$100.00} gift card unusable. I request immediate resolution, including assistance with registration or activation, or a full refund for the purchase.

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 2025-08-10 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: WA

Complaint narrative:
I am a documented identity theft victim and XXXX  XXXX survivor protected under XXXX and XXXX XXXX. A fraudulent XXXX XXXX XXXX was reported on my credit files with Equifax, Experian, and TransUnion without my knowledge or consent. 

Fraudulent case numbers : XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX. 
I disputed with all XXXX  bureaus and provided my FTC Identity Theft Report and proof I did not file these XXXX. They failed to respond within the FCRA timelines and did not block the information within XXXX business days as required by 15 U.S.C. 1681c-2. 

The continued reporting endangers my safety and violates XXXX confidentiality protections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: MO

Complaint narrative:
This is a formal complaint and demand for the immediate deletion of all personal and consumer information stored by XXXX XXXX XXXX, XXXX XXXX, and XXXX ( collectively data furnishers ). 

Pursuant to the Graham-Leach-Bliley Act ( 15 U.S.C. 68016809 ), I hereby exercise my right to opt out of the collection, retention, and disclosure of my nonpublic personal information ( NPI ) to any non-affiliated third parties. The GLBA requires financial institutions and consumer reporting agencies to protect the confidentiality and security of consumer data and to honor opt-out requests.

This is also a formal dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). The data being reported about me is inaccurate, incomplete, and lacks a permissible purpose under 15 U.S.C. 1681b. Your storage and sharing of my information has caused credit denials, increased insurance premiums, and measurable financial harm.

I am demanding that each company : Permanently delete all files, records, and reports associated with my personal identifiers.

Cease all future collection, storage, and sharing of my information.

Provide written confirmation within 30 days of full deletion.

Failure to comply constitutes willful noncompliance under the FCRA and violations of the GLBA, which will be pursued through litigation. This complaint is being filed with the CFPB to enforce immediate action and ensure removal from all databases and third-party systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
Loan Type : XXXX XXXX XXXX XXXX XXXX XXXX Loan Number : XXXX Lender : LoanDepot Complaint Summary : I obtained a XXXX XXXX XXXX XXXX Mortgage through LoanDepot in XX/XX/year> to finance repairs and improvements at my home in XXXX, IL. In recent email correspondence, LoanDepot confirmed they did not verify my contractors liability insurance at any point before or after my loan had funded. XXXX XXXX Selling Guide ( XXXX : XXXX XXXX XXXX ) requires lenders to review contractor credentials and obtain proof of licensing and liability insurance before work begins. LoanDepots complete failure to follow this requirement resulted in my contractor working without any insurance coverage. 

Harm Caused : Because there was no liability coverage, my property sustained damage and parts of the renovation were completed in a substandard manner. I now bear the financial risk and potential cost of repairs that should have been covered by the contractors policy. 

Previous Attempts to Resolve : I submitted a formal compliance complaint to LoanDepot requesting : 1. An explanation for the oversight.

2. Documentation of corrective actions.

3. Assurance it will not delay my ongoing draw requests as I work with a new contractor and HUD consultant.

Resolution Requested : I request that the CFPB review this matter and require LoanDepot to : - Acknowledge the
violation of XXXX XXXX XXXX XXXX requirements. - Implement corrective procedures to ensure contractor insurance verification before any fund disbursement. - Provide remedies for damages caused by their failure to comply with program guidelines.

Attachments Available Upon Request : Signed Rehabilitation Loan Agreement Draw Request & Inspection Certification showing HomeStyle loan type Photos and inspection notes showing damage and substandard work Copy of LoanDepot email correspondence confirming insurance was not verified at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TIDEWATER FINANCE COMPANY, INC.
State: CA

Complaint narrative:
I asked for deficiency waiver from tidewater financial and they involuntarily repossessed the vehicle without communication

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX and I am writing this letter on my own behalf to formally dispute inaccurate and fraudulent accounts listed on my credit report as directed result of identity theft pursuant to my rights under the FCRA 15 USC 1681. These following accounts were opened and used without my knowledge or consent and are materially impacting my creditworthiness, including denial of credit, employment opportunities, and housing eligibility. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Under FCRA 1681i you are required to conduct a reasonable reinvestigation of this disputed information within 30 days. I have informed all debt collectors and lenders the debts are due to identity theft but no action has been taken. I have also provided my current ID and utility bill for your review. Furthermore, under FCRA 1681c-2, I am exercising my right to request the blocking of all information resulting from identity theft. I demand that you immediately delete these accounts from my credit file and provide written confirmation of your compliance. Failure to act in accordance with the federal law will result on legal action for damages.

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 2025-08-10 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX and I am writing this letter on my own behalf to formally dispute inaccurate and fraudulent accounts listed on my credit report as directed result of identity theft pursuant to my rights under the FCRA 15 USC 1681. These following accounts were opened and used without my knowledge or consent and are materially impacting my creditworthiness, including denial of credit, employment opportunities, and housing eligibility. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Under FCRA 1681i you are required to conduct a reasonable reinvestigation of this disputed information within 30 days. I have informed all debt collectors and lenders the debts are due to identity theft but no action has been taken. I have also provided my current ID and utility bill for your review. Furthermore, under FCRA 1681c-2, I am exercising my right to request the blocking of all information resulting from identity theft. I demand that you immediately delete these accounts from my credit file and provide written confirmation of your compliance. Failure to act in accordance with the federal law will result on legal action for damages.

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 2025-08-10 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: OH

Complaint narrative:
Date : XX/XX/scrub> 2025 To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX From : XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX Email : XXXX Phone : XXXX Subject : Goodwill Adjustment Request Credit Reporting Re : Account XXXX XXXXXXXX Dear XXXX XXXX XXXX, I am writing to respectfully request a goodwill adjustment regarding the reporting of late payments on the above-referenced account. While I acknowledge there were late payments in the past, all past-due amounts have been paid in full, and the account has been maintained in good standing since that time. 

My prior late payments were the result of temporary financial hardship, but since then I have taken steps to ensure timely payments, including setting up payment reminders and automatic drafts. 

The continued reporting of these late paymentsdespite the account being paid as agreedis negatively impacting my credit and creating difficulty in obtaining necessary credit. 

Legal Considerations : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) requires that furnishers of credit information ensure that the data they report is accurate and not misleading. While factually correct, the continued reporting of old late payments without context can misrepresent my current creditworthiness.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e prohibits any false, deceptive, or misleading representation, which includes reporting that could distort a consumers present financial standing.

Resolution Request : As a gesture of goodwill, I am requesting that XXXX XXXX XXXX update this account to reflect a positive payment history by removing the late payment notations from my credit report. This adjustment would more accurately represent my current responsible credit behavior and would support my efforts to rebuild my credit standing. 

I sincerely appreciate your time, consideration, and the service your company has provided. Please provide written confirmation of your decision regarding this request. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: PA

Complaint narrative:
XXXX XXXX XXXX ( mortgage ) never applied for a mortgage. XXXX XXXX credit several inquiries from this credit union which was not authorized. My purse was stolen from a concert and several credit unions were on my credit report applying for loans. I'm from PA some loans were from New York. FCRA 623 ( a ) 1 ( A ) UCC-9- 611 UCC 9-613

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 2025-08-10 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: PA

Complaint narrative:
XXXX XXXX XXXX ( mortgage ) never applied for a mortgage. XXXX XXXX credit several inquiries from this credit union which was not authorized. My purse was stolen from a concert and several credit unions were on my credit report applying for loans. I'm from PA some loans were from New York. FCRA 623 ( a ) 1 ( A ) UCC-9- 611 UCC 9-613

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint against Equifax Information Services LLC for their continued reporting of a medical debt in violation of federal consumer protection laws, including CFPB Regulation V and Senate Bill 5480.

Details of the Account in Violation : Creditor Name : XXXX Reported Balance : {$740.00} Status : Charged Off / Medical Debt Type of Loan ( per Equifaxs own reporting ) : Medical Debt On my credit file, Equifax is continuing to report the above account despite it being classified as medical debt. According to CFPB guidance and Senate Bill 5480, certain medical debts, including those under {$500.00} or those that have been resolved, must not be included in consumer credit reports.

I have formally disputed this account with Equifax in writing, citing the applicable law, but they have failed to delete it. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), Regulation V, and Senate Bill 5480.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
Barclay bank/ XXXX XXXX  I have never been late. Ive always paid ahead of time and for some reason. I got a notification that my fico score dropped XXXX points just because of my card usage and I only owe. My credit was store is {$1000.00}. I only owe {$130.00}. and Ive already made a {$32.00} payment ahead of time that should clear Monday. My bill is not due until the end of the month I think on XX/XX/XXXX, so Im just confused on how my credit score can drop XXXX points.

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 2025-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX I called PNC to find out why my account was reading {$0.00} in available balance when I had money in my account. I message them they previous night and had been told my account was on hold and my money should be available the next day. In the phone call the morning of the XXXX I was told my account was on hold until the XXXX of XXXX and they didn't know why. They couldn't give me any details. I was given a number to call and when I called the number I was sent to voicemail and told in the voicemail they will call in 2 days max.... I NEVER received a call to I called again a few days later and still the same thing. I went up to a branch around the XXXX or XXXX and the banker couldn't see anything on his end to why my account was on hold. I told him that rent was due and I atleast need to be able to pay that. He sent an email and said that was all he could do since the department he needed didn't have a number. I called again on the XXXX and left another voicemail on the number they gave me to call and still have yet to get one. Now I can see my money available in my account but my card is not showing. It says I have no card associated with this account. I messaged PNC chat and was told that my card was canceled by me and it was not. The agent asked me to ask if the other person on the account closed it. This is a payee account, she did not close the card. We notice that for some reason there were two cards on the account, an old one and the replacement card. The old one was locked not canceled on my end.

Company response to consumer: Closed with explanation