vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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:
I am dispute several accounts that have been fraudulently opened in my name due to identity theft. I recently received a data breach notification from XXXX XXXX XXXX, which has led me to believe my personal information was compromised and used without my knowledge or authorization. 

I am invoking my rights under Section 609 of the Fair Credit Reporting Act ( FCRA ), which gives me the right to request full disclosure of all information contained in my consumer credit file, including the sources of the information and the procedures used to verify the accuracy and validity of the reported accounts. 

The following accounts have been fraudulently reported under my name : An account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These accounts are not mine. I did not authorize, open, or use them. I have submitted formal disputes regarding each of these accounts and am now requesting the following under my rights in accordance with FCRA : A detailed description of the procedures used to verify the identity of the person who opened each account. 
The name and contact information of the party who furnished the information to the credit reporting agency. 
All records related to the application and approval process for these accounts, including IP addresses, device information, and any signatures used for authorization.

Immediate removal of these accounts from my credit report if verification can not be substantiated. 
Please consider this a formal demand for investigation and correction under the FCRA. I am also requesting that all collection activity and negative reporting related to these fraudulent accounts cease immediately during the course of the investigation. 

Thank you for your attention to this serious matter. I expect a response within the time frame mandated by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: NY

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-01 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: NY

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-01 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: NY

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 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 : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: MI

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 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 2025-07-01 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: MI

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 2025-07-01 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 have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My mother died on XX/XX/year>. She had established this account and named myself and my XXXX siblings as direct beneficiaries. I submitted her death certificate electronically as soon as I received it ; XX/XX/XXXX. I have called weekly to follow up on this. Each time someone extends their condolences and then tells me that I should be receiving my check " soon ''. Last week I was told that if I had not received my check my TODAY that I should call again. Well, I called today and another very polite employee extended her condolences and apologized but had no new information for me. 

I was afraid of this happening after reading an article in XXXX magazine last year but I had hoped that after such horrendous publicity this bank would have changed its procedures. Someone like myself who is dealing with grief should not have to deal with this kind of aggravation too. I am also my mother 's executor and I have health problems. I should not have to follow up weekly and beg for money that is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Good afternoon, We closed on our home in XXXX of XXXX  with XXXX XXXX and had provided proof of property tax exemptions. The loan was later sold to Newrez who is now ignoring the property tax exemptions, the request to allow me to opt out of escrow, and is imposing a $ 1400 monthly increase for our escrow bill for taxes that will not be due. 

I have called Newrez over fifty times since XX/XX/year>. I have requested XXXX separate Escrow Analysis cases to apply my XXXX XXXX  tax exemption from XXXX XXXXXXXX XXXX which has been incorrectly completed each time. They will not place a manager on the phone, give me employee numbers, or manager names. XXXX, a tax department employee, said he called XXXX XXXX to verify I was tax exempt and they said I was not. I immediately called the County Assessor office to see if any issue was on there side and it shows I am exempt on multiple screens. 

On XX/XX/XXXX, I submitted a letter requesting to opt-out of escrow entirely and they closed the request the following day saying they would not allow it. I can only assume I am being either discriminated against because I am a XXXX XXXX  or the company is trying to leverage as much money as possible to make profit off interest. 

If I can not get this tax line corrected, or be allowed to opt-out of escrow, I will lose my home due to a financial hardship.

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 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
Atlantic Union Bank, through XXXX XXXX, repeatedly froze my personal credit card after I made several legitimate retail purchases ( such as at XXXX XXXX  ). I am a sole proprietor and reseller, and I used my personal card to purchase items I legally own. These are not corporate or tax-deductible purchasesjust retail purchases that I later resell, which is not prohibited in the card agreement. 

I was transferred between XXXX different representatives over multiple phone calls and received no clear answer. One said it was flagged as fraud. Another said I couldnt use the card for business. However, I was never shown any policy stating that buying retail goods with a personal cardas a sole proprietoris a violation. I have never missed a payment. Every charge was legitimate and made by me. 

Eventually, they unfroze the card without explanation and told me not to use it for business, but again, they could not cite a single policy in writing. I lost hours of time, had my workflow interrupted, and was treated unfairly despite having done nothing wrong.

Im requesting a formal explanation in writing, a copy of the policy I allegedly violated, and compensation or goodwill credit for the unnecessary disruption and stress caused by their mishandling of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had a legal name change about a year ago. I notified Experian, XXXX  and XXXX XXXX of the legal name change and provided all the required documents i.e. court order showing name change, my new drivers license and social security card, proof of address etc. 
I have XXXX credit accounts in perfect standing and they have been for several years. After several letters Experian they refuse to report my positive credit accounts and just keep sending me " form '' letters in response stating " No positive credit to report ''. This is resulting in a XXXX XXXX XXXX and preventing me from buying a house. 

XXXX  and XXXX  on the other hand are reporting my good credit accounts and it's resulting in a XXXX and XXXX XXXX XXXX. 

It's impossible to get Experian to actually fix the issue. They just send form letters that make XXXX sense. I've tried several times to call them and it's not possible to get a live person on the phone. Please help! 

Thanks XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GREENSKY OPERATIONS, LLC
State: CA

Complaint narrative:
My identity was stolen and my police report is attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: NY

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
I got a new cash app account because they also said that I was doing fraud on there when I haven't used it in months and I was going to send my friend XXXX bucks on it and I did but the next day after making the account and sending it they cancelled my account for fraud again when all I did was send XXXX bucks to my friend I kept asking them how to complain on this charge and they said to ask support and I did but it kept being me to the ones I was complaining too. XXXX did some digging and it brought me here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: MO

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 : XXXXXXXX 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 XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$7100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$6400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$7900.00} UXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: MO

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 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 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 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 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 explanation
Consumer complaint received 2025-07-01 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: MO

Complaint narrative:
I have disputed multiple collection accounts from XXXX XXXX XXXX, XXXX XXXX, Account XXXX XXXX ( XXXX ), and XXXX XXXX  that appear on my TransUnion credit report. These disputes were supported by detailed demand letters sent via certified mail on XX/XX/2025, and by prior CFPB complaints filed against each of the collectors. 

TransUnion has verified these accounts without providing : The original signed contract Chain of assignment or bill of sale Records confirming the collectors legal right to collect or report the debt These responses fail to meet the standards of a reasonable reinvestigation under 15 U.S.C. 1681i, especially when no primary documentation has ever been produced. The fact that some of these collectors have removed the accounts ( or refused to provide documents through CFPB responses ) confirms that TransUnions blanket verifications are not supported by evidence. 

TransUnions continued reporting of these unverifiable accounts violates : 15 U.S.C. 1681i failure to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) failure to ensure maximum possible accuracy 15 U.S.C. 6802 ( b ) if any dispute info was improperly shared with collectors

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 2025-07-01 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: SC

Complaint narrative:
XXXX XXXX XXXX said they would close and remove account from all credit bureaus accounts on XX/XX/year> saying itd take 30-45 days but its still shows up on my credit report and its been over that time frame.

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 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
In XXXX I changed my Citi XXXX XXXX XXXX to a no annual fee Custom Cash credit card after 1 year of having the XXXX XXXX  and deciding I did not want to pay the annual fee for another year. On XX/XX/XXXX Citi charged my new Custom Cash card a {$95.00} annual fee for XXXX to XX/XX/year>. When I asked to be refunded due to the fact I don't have the XXXX XXXX XXXX  any longer, they told me they'll charge the fee anyway because I closed my account with 31 days of the fee being charged and it will then be refunded within 51 days. 
They are charging me for a card I changed to a no annual fee card and no longer want. Now they are holding my money XXXX by refusing even to reverse the fee and close the no annual fee XXXX XXXX card they charged the annual fee to.

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