vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX # XXXX -- Balance : {$940.00} - Date Opened : XX/XX/XXXX XXXX # XXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX # XXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX  XXXX # XXXX -- Balance : {$670.00} - Date Opened : XX/XX/XXXX XXXX # XXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX  XXXX # XXXX -- Balance : {$1300.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  -- Balance : {$530.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- Balance : {$2300.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I checked my credit report status through XXXX XXXX & noted XXXX hard inquiries on my XXXX  and XXXX credit reports that I did not request or authorize. 

The first hard inquiry occurred on XX/XX/year> from Capital One ( Bank ). 
The second hard inquiry occurred XX/XX/year> from XXXX ( Finance ). 

Upon noting these unauthorized hard inquiries, I contacted XXXX  directly & it was confirmed that these hard inquiries did occur. I was then directed to submit this complaint. I was told that once this complaint is submitted, it will be sent to all the credit reporting companies in order to remove these hard inquiries from my reports. The XXXX  representative also placed a fraud protection on my credit report that will be in place for the next year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX # XXXX - Balance : {$150.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX - Balance : {$430.00} - Date Opened : XX/XX/XXXX XXXX XXXX  # XXXX - Balance : {$700.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX - Balance : {$4300.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/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 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I Have applied Citi XXXX XXXX XXXX And From day one I can not use my card they asked me to send 4506 Form which I did and after a month they keep making things up and Not opening my Account, I have already Paid 2 payments on Annual Fee and yet never used the card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: HUNTINGTON NATIONAL BANK, THE

Complaint narrative:
On XX/XX/year>, I initiated the process to withdraw funds from my Huntington account. An agent emailed me the necessary forms that same day, which I completed and returned promptly. 
On XX/XX/year>, I submitted a transaction request clearly indicating that the funds were to be transferred electronically to my USD account. I also submitted the required notarized claim form as part of this process. 
Despite my clear instructions, Huntington issued a cashiers check ( Check No. XXXX, Amount : {$4900.00} ) mailed to me on XX/XX/year>, with an issue date of XX/XX/year>. This check was not requested or authorized and contradicts my instructions, causing unnecessary delays and inconvenience. 
At this time, the cashiers check remains in my physical possession and has not been endorsed, deposited, or handed over to any third party. 
Despite submitting all required documentation and following up multiple times, Huntington has not processed the electronic transfer as requested, nor provided a clear written explanation of any remaining requirements. I have a complete paper trail documenting all communications, forms submitted, and instructions given, which I can provide if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX  # XXXX -- Balance : {$350.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- Balance : {$290.00} - Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX # XXXX -- Balance : {$410.00} - Date Opened : XXXX XXXX # XXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- Balance : {$510.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- Balance : {$610.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX  # XXXX -- Balance : {$720.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX -- Balance : {$520.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX -- Balance : {$480.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- Balance : {$880.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX 'S XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In XX/XX/year>, I requested that Bank of America stop automatic credit card payments from my account after a creditor ( XXXX  ) charged my account {$160.00} despite me having turned off auto-payments. Without prior notice or disclosure, the bank charged me six separate {$30.00} fees ( totaling {$180.00} ) for these stop-payment requests. I was never informed that a {$30.00} fee would apply per transaction or that multiple fees would be assessed I contacted customer service several times between XX/XX/XXXX and XX/XX/year>, but no representative disclosed these fees. After I disputed the charges, the bank sent me a message stating they conducted their final review and decided to refund only one {$30.00} fee while declining to refund the remaining XXXX, claiming the decision was final. I believe these charges were improperly applied and not disclosed, violating Regulation E ( 12 CFR 1005.10 ( c ) ), which prohibits undisclosed fees on stopped electronic payments. I am requesting reimbursement of all XXXX fees and a review of Bank of Americas disclosure and fee refund practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-30 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
b'Subject: Dispute of Inaccurate Personal Information in Credit Report\nI am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by Experian Information Solutions, Inc.\nDetails of the Dispute:\n\t1.\tIncorrect Name:\nMy current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as  XXXX XXXX XXXX. I request that my name be updated to reflect the correct information.XXXXOutdated Address:\nMy current residential address is  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, while my credit report shows an outdated address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. I request that my current address be updated accordingly.XXXX. Incorrect Employer Information:\nMy current employer is Delta Construction Group, but my credit report either lists a different employer or lacks this information. Please update my employer information accordingly.\nSupporting Documentation:\nI have enclosed copies of supporting documents to verify the accurate information provided above, including:\n\t\tA copy of my drivers license or passport displaying my correct name.\n\t\tA recent utility bill or bank statement showing my current address.\n\t\nRequest for Confirmation:\nI request that Experian Information Solutions, Inc. investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes.\nContact Information:\nIf you require further information or documentation, please do not hesitate to contact me at XXXX XXXX XXXX or by email at XXXX.\nThank you for your prompt attention to this matter.'

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 2025-10-30 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:
I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
2025 totals year-to-date Total fees charged in 2025 {$290.00} Total interest charged in 2025 {$27.00} Im a Citi cardholder in good standing. A money-transfer coded transaction on XX/XX/XXXX triggered a {$100.00} cash-advance fee and interest. I requested a one-time courtesy statement credit due to my payment history and lack of prior waivers. Citi declined. Im asking that Citi credit the fee and related interest.

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 2025-10-30 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My car loan was on my report and got removed I want my car loan back on my 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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My car loan was on my report and got removed I want my car loan back on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My car loan was on my report and got removed I want my car loan back on my 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 non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: AZ

Complaint narrative:
I am filing this formal complaint against LexisNexis Risk Solutions for their repeated failure to provide me with my legally required consumer disclosure report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g.

On multiple occasions I submitted requests to LexisNexis for a copy of my consumer report. Each request included all required identifying documentation, such as a copy of my government-issued ID and proof of address. Despite following all instructions and deadlines, LexisNexis has failed to provide my report or respond with any explanation for the delay or denial. 
The denial is due to Lexisnexis having improper and fraudulent information attached to my name and social security number. Because of this my identity can not be verified correctly. 
This ongoing lack of compliance constitutes a direct violation of Section 609 ( a ) of the FCRA, which mandates that consumer reporting agencies must, upon request, clearly and accurately disclose to the consumer all information in the consumers file. LexisNexiss inaction has obstructed my ability to review, dispute, or correct potentially inaccurate or incomplete data in my file, and has caused unnecessary stress and delay in resolving personal financial matters.

Due to LexisNexiss failure to comply, I have been unable to review or dispute potentially inaccurate data, which may have impacted my access to credit or employment opportunities

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report lists late payment entries that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, my report must include only information that is accurate, complete, and verifiable. I request that these late payment entries be verified, and if they can not be confirmed, they should be corrected or removed.

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 2025-10-29 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: PA

Complaint narrative:
XXXX XXXX * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PA XXXX XXXX XXXX XXXX Dear Trans Union : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft this will be my 3 time sending in my proof of identity theft since XXXX. The proof of letters will be attached below with the dates listed. I havent received a response from Trans union. 

. XXXX XXXX XXXX-Account number XXXX amount {$360.00} Date open XXXX XXXX XXXX XXXX Account number XXXX -amount {$600.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX-Account number XXXX Amount- {$4200.00} date open XXXX XXXX. XXXX number XXXX {$830.00} Date open XXXX XXXX. XXXX XXXX-Account number XXXX Amount {$440.00} Date open XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

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 2025-10-30 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: FL

Complaint narrative:
I am raising this dispute because unauthorized and inaccurate accounts have been added to my credit report without my consent. I did not open or authorize these accounts, and I never received any notice of their addition. The fact that these accounts are being reported differently by each bureau is deeply concerning and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires that consumer reports be accurate and reliable. 

This also breaches 15 U.S.C. 1681i, which requires that disputed items be investigated and corrected or deleted within 30 days, and 15 U.S.C. 1681g, which grants consumers the right to complete and accurate disclosures of their credit data.

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 2025-10-29 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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