vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : KIKOFF - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/2025 I was contacted by XXXX XXXX of XXXX Customer service in response to my inquiry about the discrepancy between a standard installment loan calculation and the monthly payment as listed in the Personal Loan Agreement. For a principal of {$39000.00} at 6.99 % interest for XXXX installments with a prepaid loan fee of {$230.00} is an Amount Financed of {$39000.00}. 

The standard calculation results in a monthly payment of {$660.00}, which XXXX XXXX confirmed independently. 
The amount listed on the XXXX XXXX agreement is {$670.00}. 
This amounts to {$410.00} overpayment over the life of the loan. 

XXXX XXXX said that he spoke with someone in the loan department, explaining they do not have any explanation, and the only options for me are to contact the originating auto dealer, or re-finance the installment loan. I explained to XXXX XXXX that although {$420.00} is a small amount to XXXX for a single loan, if this is being done for multiple installment loans, this could translate into millions of dollars that Huntington Bank would be receiving fraudulently. If mine is not the only complaint, I would hope it would justify investigating this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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 do not recognize these inquiries, and they seem unauthorized. I kindly request prompt action to resolve this issue. The attached documents provide further details.

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 2025-07-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX MD XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$16.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9000.00} XXXX  - Account Number : 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, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: NC

Complaint narrative:
For months, Ive been trying to correct the errors being reported on my credit file. My creditworthiness is extremely important to me, and these inaccuracies have had a serious negative impact on both my financial opportunities and emotional well-being. Despite my repeated efforts, my concerns have been ignored or dismissed, which has only made the situation worse.

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 2025-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I experienced predatory leaning with this company. All they wanted was my {$4500.00} dollars cash I hand in hand, it didnt even take anything off the principal it only decreased the cost by XXXX after they had all the add ons, nor did they run a credit check. They were very high pressure, I didnt even have full time employment. And when my car was repossessed I was in the hospital my parents and siblings did everything to pay the monthly amounts but they took advantage of the situation, repossessed the truck and charged me the full amount. I payed them for over 2 years on time over XXXX dollars a month and there was so much negative amortization the principal amount never even went down. I had many threats demanding money when I went into default before I was hospitalized from the threats. I would like this loan removed from my credit and the dealership that doing predatory lending investigated to full extent of the law in Sacramento. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: MD

Complaint narrative:
When shopping for a XXXXXXXX XXXX  phone I was given the option of simulating finance without damaging my credit score. After providing my SSN and DOB what was supposed to be a soft inquiry ended up being a hard inquiry on my Experian report. 

I reached out to both Experian and XXXX XXXX for this error to be fixed. Both of them claim that the other party should be the one requesting for the removal of the hard inquiry. 

The XXXX XXXX agent I talked to confirmed that the inquiry should have been a soft one. 

Experian only let me file for a dispute as if the issue was related to Identity Theft. For that, I had to create a case on XXXX. The case number is 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 2025-07-17 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: DC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7900.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report fraudulent account resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent account without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ). This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the account, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
I am filing this complaint against XXXX XXXX ( a division of XXXX ) regarding my credit card account # XXXX, opened on XX/XX/XXXX. This account is inaccurately reported on my Equifax, Experian, and TransUnion credit reports ( dated XX/XX/XXXX ) with late payments ( e.g., 30 days late in XXXX XXXX XXXX days late in XX/XX/XXXX ), a balance of {$20000.00} ( exceeding the {$18000.00} credit limit, showing 108 % utilization ), and a past due amount of {$1200.00}. These inaccuracies stem from XXXX 's failure to properly resolve a prior billing dispute, as evidenced by notations on my reports such as " FCBA dispute resolved - consumer disagrees '' ( Experian ) and " Dispute resolved ; customer disagrees '' ( TransUnion ). 

Specifically, I disputed billing errors ( including potentially unauthorized charges, improper late fees, or misapplied payments ) under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, which requires creditors to acknowledge disputes within 30 days and resolve them within XXXX billing cycles. XXXX claimed to resolve the dispute but did not provide adequate evidence or corrections, and I explicitly disagree with their resolution. Despite this, they continue to report the account as delinquent, violating : FCBA 1666 ( a ) and Truth in Lending Act ( TILA ) 1666b by reporting adverse information during a pending dispute and failing to correct errors.

Fair Credit Reporting Act ( FCRA ) 1681s-2 ( b ) by not conducting a reasonable investigation upon notice of the dispute and continuing to furnish inaccurate information to credit bureaus. 

Consumer Financial Protection Act ( CFPA ) 5531 by engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ), as this misleading reporting has damaged my credit score ( FICO XXXX scores of XXXX on Equifax, XXXX on Experian, and XXXX on TransUnion ) and prevented me from obtaining credit, housing, or employment opportunities. 

This has caused significant harm, including emotional distress, financial loss ( e.g., higher interest rates on other accounts ), and a " serious delinquency '' flag on my reports. XXXX 's last payment recorded was in XX/XX/XXXX, but their improper handling of the dispute has led to these false delinquencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
I am filing this complaint against XXXX XXXX ( a division of XXXX ) regarding my credit card account # XXXX, opened on XX/XX/XXXX. This account is inaccurately reported on my Equifax, Experian, and TransUnion credit reports ( dated XX/XX/XXXX ) with late payments ( e.g., 30 days late in XXXX XXXX XXXX days late in XX/XX/XXXX ), a balance of {$20000.00} ( exceeding the {$18000.00} credit limit, showing 108 % utilization ), and a past due amount of {$1200.00}. These inaccuracies stem from XXXX 's failure to properly resolve a prior billing dispute, as evidenced by notations on my reports such as " FCBA dispute resolved - consumer disagrees '' ( Experian ) and " Dispute resolved ; customer disagrees '' ( TransUnion ). 

Specifically, I disputed billing errors ( including potentially unauthorized charges, improper late fees, or misapplied payments ) under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, which requires creditors to acknowledge disputes within 30 days and resolve them within XXXX billing cycles. XXXX claimed to resolve the dispute but did not provide adequate evidence or corrections, and I explicitly disagree with their resolution. Despite this, they continue to report the account as delinquent, violating : FCBA 1666 ( a ) and Truth in Lending Act ( TILA ) 1666b by reporting adverse information during a pending dispute and failing to correct errors.

Fair Credit Reporting Act ( FCRA ) 1681s-2 ( b ) by not conducting a reasonable investigation upon notice of the dispute and continuing to furnish inaccurate information to credit bureaus. 

Consumer Financial Protection Act ( CFPA ) 5531 by engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ), as this misleading reporting has damaged my credit score ( FICO XXXX scores of XXXX on Equifax, XXXX on Experian, and XXXX on TransUnion ) and prevented me from obtaining credit, housing, or employment opportunities. 

This has caused significant harm, including emotional distress, financial loss ( e.g., higher interest rates on other accounts ), and a " serious delinquency '' flag on my reports. XXXX 's last payment recorded was in XX/XX/XXXX, but their improper handling of the dispute has led to these false delinquencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX which is managed by XXXX XXXX  has excessive and unreasonable hold times following hotel or car rental holds. XXXX to 30 days is well beyond a reasonable amount of time to hold funds already returned by the merchant. When I contacted XXXXXXXX XXXX  the customer service could not give me any information about why the hold was for so long just that it was their process.

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 2025-07-17 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: NH

Complaint narrative:
Please assist me in launching an investigation into these accounts, which are currently being misreported on my credit report. In accordance with USC 1681g, I am submitting a formal request for their removal within 15 days. All relevant documentation is enclosed for your evaluation. It is also important to note that the reported details vary and are inaccurate across the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Guild Holdings Company
State: AZ

Complaint narrative:
In XX/XX/XXXX, I closed on a XXXX mortgage. My now-annulled spouse was added as a co-borrower under false pretenses. I later discovered he was still legally married to someone else at the time of closing. He withheld this information, making our marriage and his eligibility invalid. Ive since requested closing docs and a payoff statement to investigate. The marriage was annulled in XX/XX/XXXX due to fraud. Im seeking review of the co-borrowers role and the loans legitimacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
I had direct deposit set up with the VA I am a XXXX veteran and rely on this income, when the idiots at USBANK closed my account for no reason on XX/XX/XXXX I was told the account is closed, I spoke with the VA and they stated the USBANK accepted my disablitiy payment, on XX/XX/XXXX IS THERE ANYONE AT THAT PIECE OF XXXX BANK KNOWS WHAT IS GOING ON? YOU HAVE ROBBED ME THIS IS A CRIME ... YOU SHOULD ALL BE ASHAMED OF WHAT YOU'VE DONE, BUT NOW YOU'RE STEALING FROM XXXX VETERANS AND NO ONE THERE CAN TALK ABOUT IT ... YOU ALL ARE CRIMINALS AND SHOULD BE INVESTIGATED.

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