vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
In XXXX of XXXX My Ex-Husband filed a Bankruptcy w/o my knowledge or acceptance in which we then filed for XXXX. XXXX XXXX was included in his XXXX  XXXX Bankruptcy filing. They are currently reporting on my credit ( I am the XXXX  wife ) a balance owing of {$5100.00} and a monthly payment of {$5400.00} which doesn't even make sense. They also report balance updated XX/XX/XXXX but last payment made XX/XX/XXXX. The balance for me should say " XXXX '' and account closed. The monthly payment is skewing by debt ratio by 139 %. The payment if any is being made by the Trustee. They are not to be reporting this as 'charge off ' either. I have tried numerous times to dispute and written letters almost every year since XXXX. XXXX has done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In XXXX of XXXX My Ex-Husband filed a Bankruptcy w/o my knowledge or acceptance in which we then filed for XXXX. XXXX XXXX was included in his XXXX  XXXX Bankruptcy filing. They are currently reporting on my credit ( I am the XXXX  wife ) a balance owing of {$5100.00} and a monthly payment of {$5400.00} which doesn't even make sense. They also report balance updated XX/XX/XXXX but last payment made XX/XX/XXXX. The balance for me should say " XXXX '' and account closed. The monthly payment is skewing by debt ratio by 139 %. The payment if any is being made by the Trustee. They are not to be reporting this as 'charge off ' either. I have tried numerous times to dispute and written letters almost every year since XXXX. XXXX has done nothing.

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 2025-07-31 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: WA

Complaint narrative:
In XXXX of XXXX My Ex-Husband filed a Bankruptcy w/o my knowledge or acceptance in which we then filed for XXXX. XXXX XXXX was included in his XXXX  XXXX Bankruptcy filing. They are currently reporting on my credit ( I am the XXXX  wife ) a balance owing of {$5100.00} and a monthly payment of {$5400.00} which doesn't even make sense. They also report balance updated XX/XX/XXXX but last payment made XX/XX/XXXX. The balance for me should say " XXXX '' and account closed. The monthly payment is skewing by debt ratio by 139 %. The payment if any is being made by the Trustee. They are not to be reporting this as 'charge off ' either. I have tried numerous times to dispute and written letters almost every year since XXXX. XXXX has done nothing.

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 2025-07-31 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have tried numerous times to set up an online account so that I can access my credit report or manage a freeze. I am not able to create an account as it looks like someone else used my information already and the phone number associated with my SSN and email is not my own. I am not able to recover the account using the online tools since my phone number is not correct. I have tried multiple times to fix this via their customer service line which sends you in circles, points you back to the website, and will not allow you to talk to a real person. When I research the issue I am having, it is evident that it is common and Experian has made absolutely no attempts to provide better service. Quite honestly the most frustrating experience I have ever had with a company which is especially frightening since they manage my credit. They allowed someone else to set up an account with my identity and make it almost impossible to correct this.

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 2025-07-31 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: MI

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX, 2025, I was given an opportunity via my personal banking web page, to take advantage of a XXXX percent one yr balance transfer of higher bank cards. It was to be a fee of 3percent up front and XXXX percent for one yr. while making payments. I filled out the information to transfer {$5000.00} from a XXXX XXXX  XXXX  to my TRUIST XXXX XXXX XXXX. I submitted it and waited. I got no conformations on the transfer request. Finally on XX/XX/year>2025, it showed up on my card, but no confirmations. The {$150.00} transfer fee also posted. XXXX XXXX  showed that {$5000.00} was paid off. 
I made a payment in XX/XX/year>2025 on that credit card of {$250.00}. 
I checked in XXXX, 2025, my statement, noticing interest being charged, plus the Fee. 

XXXX XXXX2025, I called the credit card and verbally filed a complaint as they were not honoring the XXXX percent offer I filed with them by their own solicitation of me in XXXX. 
I waited and got no response on my account complaint. On XX/XX/year>2025, I called again. 
After an hour long conversation, additional complaint information was submitted, and I was promised a call by by XX/XX/XXXX. It did not happen. I called Truist XXXX again. 

I was told, internal audit staff said i failed to submit the application to get the offer. So, they just gave me the 19.24 percent transfer rate, plus the 3 percent fee.

I said I would not accept the answer. It was their offer I filled out on line!

I was told too bad... so, I paid off the {$5000.00} and refuse to pay the fees and interest that as of now totals {$310.00}. 

On XXXX XXXX2025, I called again to talk to a supervisor to request them to remove the interest charges and fees and I would not close my banking with Truist. They didn't care. I even went to my local Truist bank office, they were no help to resolve this mess.

No one in a right mind would do a balance transfer offer at 19.24 %! The offer I was given, and filed by an offer they made to me was not honored because they said, I missed the deadline... but 2 days after {$5000.00} posted to my account, they gave me another offer!!!

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really XXXX  and tired of this. I'm gon na go to court.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-07-31 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: CO

Complaint narrative:
Identity Theft and Fraudulent Credit Applications Urgent Request for Enforcement Action To Whom It May Concern, My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am writing to file a formal dispute and demand regulatory enforcement action regarding unauthorized credit inquiries and fraudulent credit applications submitted to XXXX XXXX XXXX XXXX on behalf of XXXX XXXX branded credit cards, which appear on my Equifax credit report. 

I am a victim of identity theft, and my information was used without my consent to apply for credit cards I never requested, authorized, or benefited from. The inquiries in question were : XX/XX/XXXX listed as in person XX/XX/XXXX listed as via mobile XX/XX/XXXX listed as online I have submitted multiple complaints to the CFPB under Case Numbers : XXXX XXXX XXXX Despite this, XXXX has repeatedly dismissed my complaints without providing any evidence that I initiated or authorized these applications, nor have they taken appropriate steps to investigate the identity theft I reported. 

What makes the situation even more egregious is that XXXX itself rejected all of these applications, citing reasons such as : Insufficient credit history Lack of open accounts These denials are consistent with fraudulent applications initiated by someone impersonating me. 

XXXX XXXX has not provided any signed documents, IP logs, device IDs, in-branch security footage, or any form of verification tying these applications to me. 



Furthermore : XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) and FACTA, which require a reasonable investigation of disputed information. 

The burden of proof lies with the furnisher ( XXXX ), yet they have only issued copy-paste responses and continue to report damaging inquiries on my report. 

I have also provided an identity theft affidavit and documentation showing I did not authorize these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX at exactly XXXX I made an ATM cash deposit for the sum of {$1100.00} XXXX  and the machine gave me a piece of paper with the recorded transaction and a phone number to call, I did right away and they said that an investigation was going to be conducted but also they said that usually takes a day or two to see the money credited in my account, today is XX/XX/XXXX and after speaking to many different people theyre saying that they will have a resolution by XX/XX/XXXX, I already missed a credit card payment and my rent payment which is due on XX/XX/XXXX, late fees and interest will be applied and the bank refused to offer a temporary credit while they investigate their faulty ATM machine, also I spoke with the branch manager and she said that in this cases it only takes a couple of days to count the money from the ATM.s since the money is collected twice a week.

Please help stop this abuse from banks like Bank of America

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 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked : NAME / ACCOUNT NUMBER XXXX XXXX  XXXX - XXXX XXXX  XXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm.

These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me.

I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My account is set up to do not go overdraft, yet I've done so many complaints because they let me go overdraft. I went over negative XXXX and they said that I did not, but you could clearly see in the text that I did. They took it out of my debit for {$69.00} and then said I'm not overdraft because my account is positive. It's positive because of the credit. The XXXX needs to be put back immediately, and they need to be investigated, and they need to be sued. Thank you for watching.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2025, I sent a certified letter to TransUnion regarding multiple inaccurate items on my credit report. The letter was delivered on XX/XX/2025 at XXXXXXXX XXXX XXXX XXXXXXXX, PA, per XXXX Tracking # XXXX. This correspondence requested prompt investigation and correction or deletion of the following accounts : XXXX - {$0.00} ( account # XXXXXXXX XXXX XXXX XXXX XXXX {$1200.00} ( account # XXXX ) XXXX XXXX XXXX XXXX  {$2100.00} ( account # XXXX ) After receiving no response or update regarding the investigation within the time required by law, I sent a second letter on XX/XX/2025, reiterating my dispute and again requesting prompt resolution. To date, I have received no response from TransUnion.

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 2025-07-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Dates : XXXX XXXX XXXX  Issue : unprompted name change, and onerous correction steps for consumer to correct stated name on account. 

Details on action taken : Bank emailed to notify account update on XX/XX/XXXX, account was updated by XX/XX/XXXX at XXXX. No attempt was made to explicitly confirm change with consumer. 

Upon reviewing the update, consumer called the bank to dispute the incorrect first name update by XXXX on XX/XX/XXXX. Bank confirmed the name update was made to match public records. Consumer confirmed the name on all state and government issued id and filings reflects the XXXX words first name as provided at account creation and before the update. The current incorrect name only takes the first of the XXXX, leading to a mismatch to official legal records. Bank asked the consumer to submit a request to reverse the change in writing including all accounts impacted, current name and correct name on accounts, mailed to Goldman Sachs via certified mail with a photo copy of the legal documentation. Consumer requested confirmation this was the only way to correct the issue given it is onerous and not an authorized change to the account. Bank confirmed it was the only way to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
Hi I was trying to refinance my house and there are things on my credit Im not aware of. Ive recently went through a divorce and im not sure if that has something to do with it. Can you please help take these accounts off my credit, 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 2025-07-31 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: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$2800.00} XXXX XXXX  XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$1100.00}

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