vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has reported wrong negative items on my Credit profile, as well as not properly investigating my disputes.

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 2025-05-24 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: CITIBANK, N.A.
State: GA

Complaint narrative:
b'I requested debt validation according to 15 USC 1692 C and never got one.'

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 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
When I set up my account all I had to do was use my debit card XXXX times in a month to avoid bank fees and then they just said that wouldn't be enough. That I have to have a minimum amount in my account but I have been hacked at least XXXX  times so I don't trust having much money in my account, just enough to pay recurring payments for products etc. And I keep getting charged XXXX dollars every month. That appears that they are stealing {$120.00} a year from me and I just want to know why they can do this? It's going to take time to open an account with another bank and contacting vendors to change to another bank

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 2025-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I applied for an American Express card while booking a XXXX flight in XX/XX/XXXX. I never received the physical card. In XX/XX/XXXX, I discovered the card had been stolen and used fraudulently for in-person purchases. I reported the fraud immediately and was told it would be investigated. 

Over the next six months, I called Amex repeatedly. Each time I was told that the fraud case was under investigation and that Amex had six months to resolve it. Today ( XX/XX/XXXXXXXX   ), I was told by an AMEX representative that nothing had been done on my case and that it should have been resolved within 30 days. I was also told that only one person was assigned the case and no one else could comment or assist. 

The fraudulent charges were all in-person transactions, not online. If the merchant had checked identification, they could have declined the fraudulent purchases right there in the place of business. 

This case has now gone completely neglected for six months. I have received no updates, no resolution, and no reversal of fraudulent charges. I am seeking CFPB assistance to compel American Express to : Immediately reverse the fraudulent charges and related interest charges Confirm no damage has been done to my credit report Explain why my case was mishandled and delayed

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp.
State: IL

Complaint narrative:
I have gotten a emails repeating about a debt I do not owe too this company I have never done any work with this company at all they are trying too damage my credit and they can not add anything too my credit report without my consent

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 2025-05-24 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: NM

Complaint narrative:
After carefully reviewing my Experian, Equifax and XXXX XXXX credit reports/files, I have found numerous fraudulent/unauthorized inquiries from companies I did not apply for credit with. I do not recognized any of the company names that inquired of me.

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 2025-05-24 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: NM

Complaint narrative:
After carefully reviewing my Experian, Equifax and XXXX XXXX credit reports/files, I have found numerous fraudulent/unauthorized inquiries from companies I did not apply for credit with. I do not recognized any of the company names that inquired of me.

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 2025-05-24 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: FL

Complaint narrative:
In XX/XX/XXXX, I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : XXXX- Auto Loan- opened in XXXX XXXX XXXX XXXX- Unsecured loan- opened in XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX  - collection- opened in XX/XX/XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX - collection . opened in XX/XX/XXXX XXXX- Credit Card- opened in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had a XXXX XXXX XXXX XXXX account in XXXX and XXXX. I closed it in XXXX. Apparently, they continued to charge me fees that amounted to roughly {$130.00}, and this is preventing me from opening a new checking account with my employer 's XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was bought by BMO and all branches were closed/converted to the new bank. They don't have any information on my account since it had been closed for 2 years before the acquisition.

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 2025-05-24 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: FL

Complaint narrative:
I am filing this complaint because my credit report is being inaccurately re-aged by the original creditor, XXXXXXXX XXXX The account beginning in XXXX and first delinquency in XX/XX/XXXX was charged off over five years ago and should reflect a single charge-off event dated XX/XX/XXXX, not XX/XX/XXXX, as repeated with 180 days past due on one report and inaccurate across all reports.

However, the creditor continues to report a CO ( charge-off ) status every month, making it appear that the account is being continuously charged off. This violates the Fair Credit Reporting Act ( FCRA ) 605 ( c ), which prohibits reaging of accounts by updating the delinquency date.

This misreporting damages my monthly credit score and falsely suggests a recent delinquency.

I request that the CFPB investigate this illegal reporting and that the creditor and credit reporting agencies either : Correct the reporting to reflect only the original charge-off month, or Please remove the account entirely from my credit reports.

Attached are excerpts of my credit reports showing the monthly CO status after the original charge-off date.

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 2025-05-24 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: MI

Complaint narrative:
I am writing to express my concern regarding the security of my personal information. There have been repeated instances of information appearing on my report that do not belong to me. I have identified specific instances of misreported information that require a thorough investigation, information that has been mistakenly linked with my report, but it pertains to an account belonging to someone else.

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 2025-05-24 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: NM

Complaint narrative:
After carefully reviewing my Experian, Equifax and XXXX XXXX credit reports/files, I have found numerous fraudulent/unauthorized inquiries from companies I did not apply for credit with. I do not recognized any of the company names that inquired of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: Avant Holding Company, Inc.
State: CO

Complaint narrative:
First I get a Avant credit card notice that says I have no monthly or yearly fees, then one day I start seeing a monthly charge for {$8.00} and when I called they said they can change the agreement whenever they wanted and then they tried charging me 2 payments in one month. 

HORRIBLE COMPANY AND VERY SCAMMY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: FL

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( XXXX  ), specifically XXXX U.S. Code XXXX and XXXX, I am requesting the immediate deletion of the disputed accounts listed below due to either lack of permissible purpose, failure to properly verify, or inaccurate reporting : Experian : Remove the unauthorized XXXX Bank account and the inaccurately reported closed XXXX  XXXX account. 
Equifax : Remove the invalid XXXX collection account from XXXX totaling {$840.00}. 
TransUnion : Remove the XXXX collection account for XXXX ( {$340.00} ), the duplicate XXXX/XXXX  collection ( {$840.00} ), and the closed accounts for both XXXX and XXXX XXXX. 

These items have not been validated in accordance with federal law and continue to be reported inaccurately, thereby violating the FCRA. The continued presence of these accounts constitutes negligent and potentially willful noncompliance under XXXX U.S.C. XXXX and XXXX, and exposes the furnishers and bureaus to civil liability. 

I demand immediate deletion of the disputed items from all relevant credit files and written confirmation that these accounts have been permanently removed. Failure to comply will result in further action, including the potential pursuit of damages as provided under the FCRA.

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 2025-05-24 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: FL

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( XXXX  ), specifically XXXX U.S. Code XXXX and XXXX, I am requesting the immediate deletion of the disputed accounts listed below due to either lack of permissible purpose, failure to properly verify, or inaccurate reporting : Experian : Remove the unauthorized XXXX Bank account and the inaccurately reported closed XXXX  XXXX account. 
Equifax : Remove the invalid XXXX collection account from XXXX totaling {$840.00}. 
TransUnion : Remove the XXXX collection account for XXXX ( {$340.00} ), the duplicate XXXX/XXXX  collection ( {$840.00} ), and the closed accounts for both XXXX and XXXX XXXX. 

These items have not been validated in accordance with federal law and continue to be reported inaccurately, thereby violating the FCRA. The continued presence of these accounts constitutes negligent and potentially willful noncompliance under XXXX U.S.C. XXXX and XXXX, and exposes the furnishers and bureaus to civil liability. 

I demand immediate deletion of the disputed items from all relevant credit files and written confirmation that these accounts have been permanently removed. Failure to comply will result in further action, including the potential pursuit of damages as provided under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: TX

Complaint narrative:
ACCORDING TO XXXX XXXX XXXX - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX FACTUAL DATA XX/XX/XXXX XXXXXXXX XXXX  XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish any account without my written instructions XXXX XXXX XXXXXXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXXXXXX XXXX XXXXXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: MN

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: AL

Complaint narrative:
Asked the hospital billing company to setup a payment plan and give me information on the debt and they refused and said the debt would be sent to a collector

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Complaint Type : Credit Reporting / Identity Theft Company 1 : XXXX XXXX  XXXX 2 : XXXX XXXX XXXX Credit Bureau : TransUnion, Experian Summary for CFPB Submission : I am filing this complaint against XXXX XXXX  and XXXX XXXX XXXX regarding fraudulent accounts that are inaccurately reported on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ). Despite submitting a valid police report, identity verification documents, and written requests for deletion under FCRA 605B, both companies continue to assert that I am liable for debts I did not authorize or open. 
XXXX XXXX  has responded to multiple disputes ( CFPB XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) but refuses to remove the account, claiming I contacted them by phone and that my name and email match their records. However, these are insufficient to establish liability under the FCRA. They have failed to provide supporting evidence such as IP logs, phone recordings, or signature verification. XXXX also refuses to acknowledge the validity of my police report, even though their obligation under 605B is clear. 
XXXX XXXX XXXX is reporting an account on my TransUnion file that I did not open. I have no knowledge of the original debt, and it appears to have been sold or transferred without my consent. I have sent similar 605B requests to them and the credit bureaus. 
These companies are knowingly reporting fraudulent information, refusing to block accounts in violation of FCRA 605B, and subjecting me to continued harm.

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 2025-05-24 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: GA

Complaint narrative:
Please delete these fraudulent addresses and accounts from my credit report. I have never lived at XXXX XXXX XXXX in XXXX XXXX or XXXX XXXX XXXX XXXX. These do not appear on my XXXX  or my XXXX  reports. 

Please delete these fraudulent accounts I have included an identity theft report, XXXX card, ID with address, XXXX with Address, and picture with me holding my ID with address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX this Inquiry XXXX XXXX  Please remove these fraudulent addresses. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Institution name : Truist Bank Account type : Checking Issue : Bank closed my account and is holding cleared funds Date issue began : XX/XX/year> I opened a Truist Bank account online on XX/XX/year>, and deposited a XXXX XXXX  check for {$11000.00} at a branch on XX/XX/XXXX. I was informed of a standard hold. However, on XX/XX/XXXX I received notice the account was blocked pending verification. 

The check cleared on XX/XX/year>, and by XX/XX/XXXX my statement reflected the full balance available. However, when I tried to access my funds, I was told the account was flagged for fraud because the address on the check did not match the address used to open the account. 

I immediately brought in my government-issued ID, passport, and mail showing both the old and new addresses. I explained that I moved in XX/XX/year> and the Treasury check was sent to my former address. Despite this, Truist closed my account on XX/XX/XXXX and has not returned the {$11000.00}. I have called multiple times and have been told only that it is under investigation. 

This was a XXXX XXXX  refund check, and it has fully cleared. I am requesting that Truist release my funds immediately and provide an explanation for the hold and closure.

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 2025-05-24 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: CA

Complaint narrative:
Upon reviewing my Credit Report I noticed several unauthorized inquiries with no permissible cause and also several inaccuracies on accounts listed on my Consumer reports. Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX,, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief