vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$8000.00} XXXX XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$140.00} XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$160.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$6100.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$520.00}

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 2025-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
An apparent Fraudulent account was opened at Robinhood using my personal information. The first I was made aware of this account 's existence was when a letter arrived via USPS stating that an account statement was now available. I opened an ID Theft report with the FTC, and began the ID theft recovery process, which includes contacting the company ( s ) who opened the account ( s ). 

After many attempts to contact Robinhood, I finally found a number ( XXXX, XXXX, XXXX ) at which I could reach a person and requested to be connected to their fraud department. Even after explaining the issue, they attempted to " verify '' me, but were unable to since I don't have an email address that matches an account, even though the rest of my identity was used ( name, physical address, SSN ). Most times once they seemed to understand the issue, they would claim to be transferring me to their fraud or security team, and the call would be disconnected, or I'd be placed on hold and hung up on. Eventually I was able to reach someone who claimed they could help, and would be sending an email to me to request identity verification docs so they could close the fraudulent accounts. They declined to provide direct contact information for the team. This email never came, and I started the process all over with much of the same obstacles, though at least I now had a working number. 

Eventually I was able to reach the fraud/security team again, and spoke with another agent who promised the same email, but repeatedly verified the email address and again declined to provide direct contact information. The email did arrive several hours after he claimed to have sent it. It requested that copies of my photo ID, Date of birth and Social Security Number be sent via a secure transfer link provided in the email. The link was invalid. 

Round 3 of the same hurdles to reach the fraud team again, and the same promise to resend the email with a valid link resulted in no email being received. I'm now turning to the CFPB to attempt to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: MN

Complaint narrative:
I am writing to formally raise a concern regarding Discover Card 's payment allocation practices, which I believe may be unfair, misleading, and potentially harmful to consumers. 

On XXXX XXXX XXXX I contacted Discover customer service via online chat to request that my credit card payments be applied in a specific manner namely, to a balance where the promotional period ended in a few months. 

Despite my clear instructions, I was informed by the representative XXXX XXXX, from XXXX XXXX ) that Discover is unable or unwilling to honor customer requests on how payments are allocated when multiple balances exist. I was told that Discover must follow their internal payment hierarchy, regardless of my preferences as a cardholder. 

While I understand that the Credit CARD Act of XXXX requires issuers to apply payments above the minimum to balances with higher APRs first, I also understand that the law does not prohibit issuers from allowing cardholders to direct payments differently if they so choose. Discovers refusal to offer this flexibility and failure to disclose that this choice is not available may place customers at a financial disadvantage and could be interpreted as a deceptive or unfair practice under consumer protection laws.

Additionally, Discover 's response included no method for me to download or obtain a transcript of the chat, further limiting my ability to document the conversation.

Specific Issues of Concern : Inflexibility in Payment Application : Discover refuses to honor consumer requests regarding payment direction, even when it could benefit the consumer and aligns with legal standards. 

Lack of Transparency : Discover does not clearly disclose in its communications or cardmember agreement that consumers are not permitted to direct payment application. 

Potentially Deceptive Practices : The rigid hierarchy, lack of disclosure, and denial of customer input may mislead consumers and result in greater interest charges unnecessarily.

Record-Keeping Issues : There appears to be no simple or transparent process for customers to obtain transcripts of written communications. 

I am requesting that your office investigate whether Discover 's practices : Violate any provision of the Credit CARD Act, Truth in Lending Act, or other relevant consumer protection regulations. 

Constitute a pattern of unfair, deceptive, or abusive acts or practices ( UDAAP ).

May qualify for a consumer class action due to systemic impact on similarly situated customers. 

I am willing to provide supporting documentation, including chat transcripts and account statements, upon request. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: CT

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-05-30 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: CT

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Denali Capital Holdings, LLC
State: RI

Complaint narrative:
Received numerous calls and text messages and I returned call requesting validation letter sometimes in the and of last year and then I have received in XXXX this year a some type of agreement without my name or my signature or any dates or amount. Those were black out with sharpie. I have called again requesting validation letter with original signed credit agreement, credit limit, how much was paid in interest and how much was paid in principle. I receive an envelop date XX/XX/2025 with 25 pages of someone else account numbers, original dates, amounts etc. as exabit one. still not receive a documents I have requested. I called again and left message with third request of validation letter. Did not receive anything yet. Yesterday on XX/XX/2025 I was served with Summons from the District Court to answer with in 20 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft. As per the Fair Credit Reporting Act ( FCRA ), Section 605B, I request that you removed any and all fraudulent accounts associated with my name and personal information that have been opened without my consent.I have already filed a report with the Federal Trade Commission ( FTC ) and a police report regarding this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Several companies have pulled my credit without my permission, and its seriously hurting my credit score and overall financial standing. I was told by a representative that these unauthorized inquiries would be removed, yet theyre still there. Im deeply alarmed by what may be fraudulent activity, possibly even identity theft. This situation is not only XXXX, but its also damaging my financial future in a way that feels both unfair and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On my credit card statement dated XXXX XXXX XXXX, I had a balance transfer ( Offer XXXX ) of {$9400.00}, scheduled to expire on XXXX  and revert to a 24.24 % APR. 

To prepare for this, I proactively chatted with a Citi customer service representative on XX/XX/XXXX to confirm how my payments would be applied. I specifically asked whether payments made after the promotional period ended would be applied to Offer XXXX, the balance subject to the highest APR. The representative agreed with me that payments made after the expiration date would be directed to the higher APR balance at that time. ( See screenshot XXXX and XXXX ) Based on that confirmation, I made XXXX large payments : {$7900.00} on XX/XX/XXXX and {$1400.00} on XXXX, totaling {$9300.00} after I had already paid the minimum due of {$140.00}. 

Under the CARD Act of XXXX, any payment above the minimum must be applied to the balance with the highest interest rate. However, on my next statement ( XXXX XXXX XXXX ), I noticed that my payments were not applied to Offer XXXX, and instead were spread across lower-rate balances. I was then charged {$72.00} in interest at 24.24 % APR, even though I had paid enough to fully cover the high-APR balance. 

When I contacted Citi again, I was told that the payment wasnt applied to Offer XXXX because the system had not yet recognized the expired promotional rate due to the statement cycle timing. However, if that were the case, I should not have been charged {$72.00} in interest at 24.24 % immediately after the promotional period ended. It is contradictory that the system recognized the higher rate to accrue interest, but not to properly apply my payment toward that balance. This explanation is inconsistent with the CARD Acts requirement that any payment above the minimum be applied to the highest APR balance. 

Citi has since dismissed my claim, stating they did nothing wrong, and refused to assist further. i have no other obtion but to handle this matter on my own and wish CFPB can step in to help.

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 2025-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against SOUTHWEST RECOVERY SER regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : SOUTHWEST RECOVERY SER ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  Balance : {$990.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with SOUTHWEST RECOVERY SER buttonoavail.

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

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: FL

Complaint narrative:
I have recently discovered fraudulent accounts on my credit report due to a data breach. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$590.00} Inquiries XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code XXXX XXXXc-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
My personal information was exposed and used due to several data breaches. The listed account are fraudulent.

Company response to consumer: Closed with non-monetary relief