vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
i was being charged for this subscription beginning around XX/XX/XXXX. i signed up for the subscription, used it for 1 month and requested the company to cancel my subscription because i no longer needed the services. the company did not cancel my subscription and was charging my credit card for months when i noticed and called my credit card company. i had started my first dispute in XXXX XXXX i asked my credit card company to block them from charging my card and they said they would and didnt because i was still getting charged for another year. i began another dispute for these charges in XX/XX/XXXX and got refunded for about 10 months of charges and made sure they blocked this merchant from charging anything else to my account. then in XX/XX/XXXX they were all charged back so i called my credit card company to figure out why and they told me they sent me letters in the mail about the investigation of my disputes and had requested additional documents and said they didnt receive a response from me. im supposed to be paperless and i dont expect anything from any banking institution to my home because of privacy issues ive had in the past with my roommates. now they are telling me because i didnt respond that i can not dispute the charged back purchases that i never authorized in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: MS

Complaint narrative:
I reached out to XXXX to inquire about a XXXX. They assured me that there would be no adverse effect on my credit score during the pre-approval process. However, I discovered that XXXX XXXX, an XXXX  # XXXX, had accessed my entire credit file without my authorization. When I confronted her about this, she claimed it was an error and that she had mistakenly selected the wrong form. Despite my attempts to have XXXX remove the hard inquiry from my report, it has persisted. Consequently, I was denied credit, and my file was closed, yet the hard inquiry remains as of today.

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 2025-05-20 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: MS

Complaint narrative:
I reached out to XXXX to inquire about a XXXX. They assured me that there would be no adverse effect on my credit score during the pre-approval process. However, I discovered that XXXX XXXX, an XXXX XXXX XXXX, had accessed my entire credit file without my authorization. When I confronted her about this, she claimed it was an error and that she had mistakenly selected the wrong form. Despite my attempts to have XXXX remove the hard inquiry from my report, it has persisted. Consequently, I was denied credit, and my file was closed, yet the hard inquiry remains as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I reached out to XXXX to inquire about a XXXX. They assured me that there would be no adverse effect on my XXXX XXXX during the pre-approval process. However, I discovered that XXXX XXXX, an XXXX XXXX XXXXXXXX, had accessed my entire credit file without my authorization. When I confronted her about this, she claimed it was an error and that she had mistakenly selected the wrong form. Despite my attempts to have XXXX remove the hard inquiry from my report, it has persisted. Consequently, I was denied credit, and my file was closed, yet the hard inquiry remains as of today.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Ally Financial is reporting a collection account ( Account # : XXXX ) inaccurately. Ive disputed this with both XXXX and XXXX. Despite this, Ally continues to furnish false derogatory data without providing any documentation to substantiate it. 
This violates : FCRA XXXX ( a ) ( XXXX ) failure to notify consumer of negative info FCRA XXXX ( a ) ( XXXX ) failure to reinvestigate upon direct dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
I got a loan just before the covid pandemic and after losing my job I wasn't able to continue payments. This debt went to collection and a company called XXXX XXXX XXXX which is located at XXXX XXXX XXXX XXXX, XXXX, MN XXXX got it. After 3 or 4 years I finally had a chance to close this debt or negotiate. I called them and asked an agreement which they accepted to get a one single payment of {$600.00} for, {$1400.00} ( original amount was {$900.00} but after interest they end up with {$1400.00} ). After payment I saw instead of removing this debt from my credit history they put back {$800.00} as not paid and I saw this happening to other people as well countless of times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: PA

Complaint narrative:
I send certified letter to TransUnion, Experian, and Equifax to have my name, address, date of birth and employer updated. 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 2025-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Asked Experian to Stop Contacting me Stop Emailing XXXX XXXX Stop Sending mails Stop Credit Reporting for XXXX XXXX XXXX XXXX XXXX info from their system. 
XXXX XXXX wants all service from Experian discontinued. 

Cease to Exist goodbye XXXX XXXX will no longer be checking on your service .. Website or responding to Experien...

This is your final warning

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 2025-05-20 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2025-05-20 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-20 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: GA

Complaint narrative:
Due to 15 USC 1681, it states that the foundation for the FCR ACT, outline its purpose and emphasizing the importance of fair, accurate and confidential credit reporting practices. I have been included in Equifax, TransUnion, and Experian data breach. Allowing my personal info to people I don't know. i have been receiving request by phone for all types of info the pass year and a half. In XXXX I seen an inquiry on my report and i called in to dispute it, to find out that someone has open an account with XXXX for XXXX XXXX I called the three credit reporting company that houses my data ( the someone's who has lack security allowing my personal info to be linked ) to report it and they request me fill this FTC on XX/XX/year> report after filing a stated dispute with them. I have an inquiry from Prosper and an account from Prosper and two inquiries from XXXX that I didn't do. I am requesting that they remove these items immediately. 
on XX/XX/year> I filed a CFPB report with the numbers TransUnion XXXX ; Experian XXXX ; Equifax XXXX. I then filed a police report on XX/XX/year>.

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 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank.of America is denying my claim because they assume I submitted fraudulent paperwork. I did not submit fraudulent paperwork I just added my name to the eviction because I was being evicted as well

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 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date : XX/XX/year> Capital One P.O. XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Dispute of Credit Charges under 15 U.S. Code 1666b To Whom It May Concern, I am writing to formally dispute a charge of {$840.00} that appears on my credit account with your company. I am requesting that this charge be investigated in accordance with my rights under the Fair Credit Billing Act, specifically 15 U.S. Code 1666b, which governs timely posting of payments and resolution of billing errors. 
The details of the disputed item are as follows : - Account Holder : XXXX XXXX - Account Address : XXXX South XXXX XXXX, XXXX XXXX, NJ XXXX - Creditor : Capital One - Amount in Dispute : {$840.00} - Dispute Reason : This charge is inaccurate and does not reflect any transaction I authorized. 
Page XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NV

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: GA

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. 

XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 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 non-monetary relief
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : XXXX XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I have been inside the TD branch location in XXXX, FL to finish closing my account because I was said to have a fraud protection closing on their end. I asked for a cheque or any sort for the remaining balance on my account. They said after investigation they will mail check. Its been over 60 days now. I have called and everytime I call customer service they say they systems are down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NC

Complaint narrative:
I, * * XXXX XXXX XXXX *, am a confirmed victim of * * multiple large-scale data breaches * *, including but not limited to : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX * These breaches exposed my * * Social Security number, birth date, and financial information * *, leading directly to the fraudulent accounts listed below. 

* * 2. Fraudulent Accounts Linked to Data Breaches * * The following accounts were opened fraudulently using my stolen data and * * must be deleted per FCRA 605B and Experians data breach victim policies * * : * * 3. Legal Basis for Removal * * * * A. FCRA 605B ( 15 U.S.C. 1681c-2 ) * * - Requires credit bureaus to * * block fraudulent information * * within 4 days of receiving : - An * * identity theft report * * ( FTC Case XXXX __ XXXX ) * * XXXX Experians Data Breach Victim Policy * * - Experians * * '' Victim of Identity Theft '' * * program mandates : - Immediate suppression of fraud-related accounts.

- Free credit freezes for breach victims. 

* * XXXX FCRA XXXX ( a ) ( XXXX Rule ) * * - Accounts older than * * 7 years * * ( e.g., XXXX XX/XX/XXXX XXXX must be * * automatically deleted * *. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | Charged off : {$1500.00} ) - Result of identity theft from * * XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-20 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc.
State: OK

Complaint narrative:
Received an email from a credit card stating they had decresed my credit limit. I was unsure why when I have been making all of my payment on time with everything. I reviewed my credit report through XXXX XXXX and within my debt reports, it listed a federal student loan aidvantage onto my report in the total amount of {$21000.00} in addition to my private student loan lender XXXX XXXX. I've never had a federal loan while attending school in Oklahoma. It's always been through XXXX XXXX ONLY. The federal student loan aidvantage was open in XX/XX/XXXX of 2020 and my private student loan was opened in XX/XX/XXXX and I was attending school for graduate work. Im requesting the federal student loan aidvantage loan be removed from my credit as it has dropped my excellent score of XXXX to XXXX with XXXX  and XXXX with XXXX. I need immediate attention to this dispute as this will hurt my chances of getting a new vehicle for me and my XXXX children.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern. I need immediate clarification on why these accounts are appearing and who is responsible for reporting them.

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