vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX 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 XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XXXX/XXXX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: PA

Complaint narrative:
I

n light of a recent data breach, fraudulent accounts have been added to my credit report. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block them within 4 days : 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 PA XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$910.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$930.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$930.00} XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$910.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} Inquiries XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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 in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefited from it. Know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I require you to take action immediately to prevent further harm and fraud to my personal information so, remove all these fraudulent transactions and account from my credit report ASAP.

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 2025-05-28 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: AZ

Complaint narrative:
I am disputing several accounts reported as charge-offs or collections across all three credit bureausXXXX XXXX and Equifax. These items contain serious inaccuracies that are affecting my creditworthiness and financial wellbeing, and I am demanding a lawful reinvestigation in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX is currently reporting a charge-off from XXXX XXXX  XXXX for account number ending in XXXX with a reported balance of {$1200.00} as of XX/XX/XXXX. In addition, XXXX XXXX is reporting an old derogatory item dated XX/XX/XXXX for account ending in XXXX, with a balance of {$0.00}. These accounts are not only outdated but also raise concerns regarding their verification and continued inclusion in my credit file. 

XXXX is reporting a collection from XXXXXXXX XXXX XXXX XXXX under account number ending in XXXX, dated XX/XX/XXXX, with a balance of {$0.00}, which raises serious concerns as it serves no useful purpose in assessing my creditworthiness. Additionally, XXXX XXXX XXXX is reporting an account with the same last XXXX digits ( XXXX ) as the XXXX XXXX. entry on XXXX but with a different creditor and a slightly lower balance of {$1200.00} as of XX/XX/XXXX. This discrepancy in creditor name and balance across bureaus indicates a failure to ensure consistency and accuracy under 15 U.S.C. 1681e ( b ). XXXX is also reporting a collection from XXXX XXXX for account ending in XXXX dated XX/XX/XXXX, with a balance of {$480.00}. These items are questionable in their accuracy and completeness. 

Equifax is reporting a charge-off from XXXX XXXX ( same account ending in XXXX ) dated XX/XX/XXXX for {$0.00}. Equifax is also reporting XXXX XXXX XXXX under the same account number ending in XXXX as reported by both XXXX XXXX XXXX with the balance of {$1200.00}. The fact that the same account appears under different names and with differing balances is deeply troubling and suggests a systemic failure to conduct accurate investigations.

As required by 15 U.S.C. 1681i, I am entitled to a reasonable and timely reinvestigation of these accounts. Additionally, as mandated by 15 U.S.C. 1681e ( b ), each bureau must ensure that the information furnished is accurate and up to date. If these items can not be verified with original documentation from the furnishers, they must be deleted promptly. Furthermore, as these entries concern alleged debts, the reporting agencies and furnishers are obligated under 15 U.S.C. 1692g to provide documented validation, which I have not received to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC
State: PA

Complaint narrative:
In XX/XX/year>, I took out an installment loan for {$4000.00} through Opportunity Financial , LLC ( OppLoans ), which was funded by XXXX XXXX Bank ( CCBank ). The loan carries an APR of 159.56 %, requiring me to repay {$10000.00} over XXXX biweekly payments of {$260.00}. 

I was not fully aware of the extreme cost when I accepted the loan. The interest rate is excessive and far exceeds XXXX legal usury limits. This kind of interest would be illegal if issued directly by a non-bank lender in my state. I later discovered this type of loan structure is commonly used by XXXX XXXX  to evade state interest rate caps by renting a XXXX bank charter. 

I contacted the lender to request a hardship forbearance, which they granted temporarily. However, they also informed me that after 90 days of nonpayment, I would likely be eligible for a settlement offer. This essentially encourages strategic default, which would severely damage my credit. 

This loan is predatory and exploitative. I believe it violates the spirit of XXXX consumer protection laws and takes advantage of consumers facing financial hardship.

Im requesting assistance to investigate the legality of this loan and either cancel the agreement or help me negotiate a settlement that reflects a fair and legal cost of borrowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In addition to receiving notice that there was a security breach involving my ssn and personal information, I in fact was a recipient of a settlement check regarding this matter, however accounts not belonging to me remain on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: SC

Complaint narrative:
This letter is to inform you that I was affected by a data breach, which led to unauthorized accounts being listed on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ), I request the immediate blocking and deletion of the following accounts within 4 days : Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX XXXX - Account Number : XXXXXXXX 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, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$75.00} Inquiries XXXX XXXX  Date : 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 2025-05-28 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: SC

Complaint narrative:
This letter is to inform you that I was affected by a data breach, which led to unauthorized accounts being listed on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ), I request the immediate blocking and deletion of the following accounts within 4 days : Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX XXXX - Account Number : XXXXXXXX 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, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$75.00} Inquiries XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: PA

Complaint narrative:
Equifax is in direct violation of multiple sections of the Fair Credit Reporting Act ( FCRA ). I have requested my full consumer file twiceonce by phone on XXXX XXXX, 2025, and again by certified mail on XXXX XXXX, 2025. Despite these valid and documented requests, Equifax failed to provide the legally required full consumer file under FCRA 609, sending only a standard credit disclosure without my archived data, dispute logs, or investigation records.

Additionally, Equifax continues to report duplicate XXXX XXXX charge-off accounts on my credit file, violating FCRA 607 ( b ), which requires credit reporting agencies to maintain maximum accuracy. I have submitted disputes regarding these accounts, yet Equifax has refused to remove the duplicates or verify their legitimacy.

Equifax is also reporting a XXXX XXXX XXXX  account as a charge-off in XXXX  2025, after it was paid in full on XXXX XXXX, 2025. This is false reporting and constitutes a violation of FCRA 611, as Equifax has failed to properly investigate and correct inaccurate information following my dispute.

To make matters worse, Equifax received my Final Notice Before Lawsuit letter by certified mail ( proof of receipt dated XXXX XXXX, 2025 ) and failed to respond within the 10-business-day deadline. This demonstrates bad faith and procedural obstruction of my rights under the FCRA.

I am seeking the following resolution : Full deletion of all duplicate and inaccurate accounts Immediate delivery of my full consumer file as defined by FCRA 609 Written verification of all disputed accounts or immediate removal A formal acknowledgment of FCRA violations and correction timeline Financial compensation for documented damages as I prepare to escalate this matter to federal court I am attaching all supporting evidence, including certified mail receipts, disputed credit entries, and Equifaxs failure to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: MI

Complaint narrative:
In light of a recent data breach, fraudulent accounts have been added to my credit report.

Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block them within 4 days : 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 MI XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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 : {$0.00} 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} XXXX  XXXX - Account Number : XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} 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 : {$4500.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} 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 : {$3100.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Glacier Bancorp Inc.
State: UT

Complaint narrative:
Our account at Alta Bank was fraudulently accessed, and unauthorized transfers were made involving significant sums of money. Specifically, {$950000.00} was transferred from a line of credit that does not belong to us into our checking account, from which the perpetrator then initiated multiple ACH transfers to various external banks. In addition, {$250000.00} was transferred from our actual line of credit into our checking account and subsequently drawn down. 

In total, approximately {$750000.00} was illicitly withdrawn from our accounts. Despite the severity of the situation, the Alta Bank has not provided any clear answers. To make matters worse, they have also frozen another one of our accountswhich contains essential funds we rely on to operate our business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: MI

Complaint narrative:
On XXXX XXXX, 2025, I contacted LJ Ross Associates regarding a debt they claim I owe. I informed them that the debt had already been paid in full to the original creditor prior to their involvement. I requested documentation validating that XXXX XXXX owns the debt or has the legal authority to collect it. As of today, they have not provided any such documentation. Despite my attempts to resolve the matter, the debt remains on my credit report without proper validation, and I am concerned about the accuracy and legality of this collection activity.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
What happened : Im filing a complaint against Citibank regarding the way they have allocated my credit card payments and the interest charges Ive incurred as a result. 

I currently have two types of balances on my Citi credit card : A promotional 0 % APR balance transfer ( expiring XX/XX/XXXX ) A standard purchase balance with a much higher APR According to Citibanks own policy ( as stated in their Card Agreement and confirmed by their representatives ), payments above the minimum amount due are supposed to be applied to balances with the highest APR first. Despite this, Citibank has applied the entirety of my payments to the 0 % balance transfer instead of the standard purchases, causing me to incur interest charges two months in a row ( XXXX and XX/XX/XXXX ) on purchases that I was actively trying to pay off. 

Specifically : In XXXX, I made over {$3500.00} in payments, yet none of it was applied to my standard purchase balance, and I was charged {$76.00} in interest. 

In XXXX, the same issue occurredI made significant payments, but again, they were misapplied to the balance transfer, and I was charged {$98.00} in interest. 

When I disputed this, I received a response from XXXX of Citis Executive Response Unit on XX/XX/XXXX, who stated : Your payments are being applied correctly. Once your minimum due is paid, then any excess amount will always be applied to the highest APR balance first. If your payment pays off your existing balance transfer balance, then any excess payment would be applied to the new unbilled purchases. Since your balance transfer is now a revolving balanceyou will accrue interest charges. 

I responded to clarify that : My balance transfer is not a revolving balanceit is still under the 0 % APR promotional offer, which does not expire until XX/XX/XXXX. It should not be accruing any interest, and payments should not be prioritized toward it once the minimum payment has been satisfied. 

Despite my clear explanation, Citi reiterated that there was " nothing more '' they could do. They also advised I delay making payments until after the closing date, stating : There is a chance that you might be able to correct this if you wait to pay after your closing date... 

This amounts to technical manipulation. Citis system is treating my balance transfer as if it were a high-interest revolving balancediverting payments that should be reducing my interest-accruing purchases. 

I have tried multiple times to resolve this issue directly with Citibank via email and callback requests. I even provided my contact number, responded promptly to all outreach, and confirmed I was available for calls, yet my concerns remain unaddressed.

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 2025-05-28 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I havent used my card since XX/XX/year> yet I have charges of almost {$2000.00} that I did not make. I spoke with their fraud department and they did nothing. Im still being charged for fraud! I got a call from them today, they put me on hold for a long time, then tell me sorry we cant complete this call that they will call back later? My credit score is spiraling because of this. I am beyond frustrated.

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