vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: PA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap!

FRAUDULENT ACCOUNTS : Account Name : XXXX/DOFED # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX/DOFED # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX/DOFED # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX/DOFED # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX/DOFED # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX/DOFED # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX/DOFED # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX/DOFED # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX/DOFED # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX/DOFED # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX/DOFED # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX/DOFED # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX/DOFED # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX 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 2025-05-31 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: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed several hard inquiries that I did not authorize. These inquiries were made on XX/XX/2023 by companies that I have not had any contact or initiated any credit applications with. Also a current balance of {$830.00} from collections I did not give my consent for these credit checks. As a result, my credit score has been negatively impacted. I am concerned these may be fraudulent or unauthorized actions taken without my knowledge or permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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:
I did not open, authorize, or approve the accounts listed in this report. These accounts were opened without my knowledge or permission, and I are fraudulent. I am requesting that they be investigated and removed from my credit reports. 
XXXX XXXX XXXX {$1500.00} XXXX {$470.00} XXXX XXXX {$990.00} XXXX XXXX {$710.00} XXXX XXXX XXXX {$1200.00}

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 2025-05-31 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: NY

Complaint narrative:
I am very worried today after checking my credit report. There are some accounts showing up that I dont recognize theyre not mine, and I never authorized them. I dont know where they came from or who added them. It makes me feel anxious to think someone might be using my personal information without my permission. I havent done anything wrong, but this is affecting me like I did. Please, I kindly ask you to look into this, because Im feeling very desperate about the situation.

There are the accounts : XXXX XXXX XXXX XXXX, Date Opened on XX/XX/XXXX, BALANCE {$0.00}. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened on XX/XX/XXXX, BALANCE {$0.00}. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened on XX/XX/XXXX, BALANCE, {$650.00}. 

XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened on XX/XX/XXXX, BALANCE {$460.00}. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened on XX/XX/XXXX, BALANCE {$740.00} There are Inquiries : XXXX XXXX XXXX, inquired on XX/XX/XXXX. 

XXXXXXXX XXXX XXXXXXXX, Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Inquired on 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 2025-05-31 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:
I am very worried today after checking my credit report. There are some accounts showing up that I dont recognize theyre not mine, and I never authorized them. I dont know where they came from or who added them. It makes me feel anxious to think someone might be using my personal information without my permission. I havent done anything wrong, but this is affecting me like I did. Please, I kindly ask you to look into this, because Im feeling very desperate about the situation.

There are the accounts : XXXX XXXX XXXX XXXX, Date Opened on XX/XX/XXXX, BALANCE {$0.00}. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened on XX/XX/XXXX, BALANCE {$0.00}. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened on XX/XX/XXXX, BALANCE, {$650.00}. 

XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened on XX/XX/XXXX, BALANCE {$460.00}. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened on XX/XX/XXXX, BALANCE {$740.00} There are Inquiries : XXXX XXXX XXXX, inquired on XX/XX/XXXX. 

XXXXXXXX XXXX XXXXXXXX, Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Between XXXX and XX/XX/2025, I was charged a total of {$4000.00} on my Bank of America account by a deceptive online platform operating under multiple aliases, including XXXX, XXXX, XXXX, XXXX, and XXXX. I attempted to cancel these services on XX/XX/2025, but charges continued to appear under different names, without my knowledge or authorization. 

I disputed the charges with Bank of America, but my claim was denied without being given the opportunity to submit any supporting documentation. There was no secure upload link, no email option, and no way to reach the Dispute Department outside limited phone hours. I had evidence ready but no way to present it. 

After filing a complaint with the CFPB and OCC, Bank of America finally reopened my case and acknowledged it was under review as of XX/XX/2025 ( Step 2 of 3 ). However, I have still not received a temporary credit or refund. The merchant has likely not responded which is expected, given the fraudulent nature of these platforms yet Bank of America continues to delay action, despite having well over 60 days since the original dispute. 

I provided organized documentation showing the billing manipulation, emotionally exploitative behavior by platform users, and how the dispute was initially mishandled. I am now requesting a full refund and formal explanation as to why proper procedures were not followed. 

I will continue pushing back until I receive what is rightfully mine.

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation
State: GA

Complaint narrative:
The following personal information is incorrect outdated this account is closed sold to a company without my knowledge continue to report payment when account is closed Please remove this inaccurate information from my credit report.

In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their removal from my credit report. It is my understanding that you will verify these items with the relevant creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: VA

Complaint narrative:
First request to TransUnion was mailed certified XXXX with a notarized copy of passport and DL. Never received copy of new report. Called to discuss then filed second dispute online. Was notified via email and the following still has not been resolved : Incorrect addresses, phone numbers. And in regards to XXXX it is still violating FCRA 1681e ( b ) by not clarifying the chain of assignment. Reasonable procedures to ensure accuracy. Estimated month and year item will be removed is incorrect as not based on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have requested chain of assignment from both XXXX and TransUnion.

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 2025-05-31 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: MS

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  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.

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX Experian

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 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing this complaint regarding Capital One Banks unethical handling of my personal checking accounts. 

I had two checking accounts with Capital One. One of them had a negative balance for a short period, and without warning or proper notification, Capital One closed the account and withdrew $ XXXX from my other active checking account to cover the negative balance. This money was transferred without my permission or prior consent. 

I received no phone calls, no voicemails, no mailed letters, and no emails notifying me that my account was at risk of closure or that funds would be taken from my second account. The only communication I received was an email sent on a Saturday XX/XX/XXXX, XXXXafter the money had already been removed. 

This is not only unprofessionalit is exploitative. I have been a customer since XXXX  and have never experienced this level of negligence and lack of transparency from any financial institution. 

I am requesting : A full investigation into the lack of communication and transparency Immediate return of the funds that were withdrawn without notice A formal written acknowledgment of this issue from Capital One I will be calling Capital One to address this further and, depending on the outcome of that conversation, I may be filing an additional formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My information was not updated and someone continuously uses my ssn.

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Corp Solutions Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX I challenged the validity of this collection account on my report because I have never been given and contractual terms from This company and therefore dont ow this company anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
On XX/XX/XXXX I challenged the validity of this collection account on my report because I have never been given and contractual terms from This company and therefore dont ow this company anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-31 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: IL

Complaint narrative:
I XXXX XXXX checked my credit scores due to an email I received that my credit scores dropped over XXXX points, once I reviewed my credit scores I was upset XXXX marked me late for 3-4 months, this is DEPLORABLE and DEGRADING to my Credit worthiness. XXXX is currently reporting 30- 120 days HOW I THIS? I was never contacted from XXXX via email, regular mail or my Login File I have signed up with them to notify me of any changes that is associated with my account especially if I was occurring late payments on my file.

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 2025-05-31 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: IL

Complaint narrative:
I XXXX XXXX checked my credit scores due to an email I received that my credit scores dropped over XXXX points, once I reviewed my credit scores I was upset XXXX  marked me late for 3-4 months, this is DEPLORABLE and DEGRADING to my Credit worthiness. XXXX is currently reporting 30- 120 days HOW I THIS? I was never contacted from XXXX via email, regular mail or my Login File I have signed up with them to notify me of any changes that is associated with my account especially if I was occurring late payments on my file.

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 2025-05-31 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: IL

Complaint narrative:
I XXXX XXXX checked my credit scores due to an email I received that my credit scores dropped over XXXX points, once I reviewed my credit scores I was upset MOHELA/NAVIENT marked me late for 3-4 months, this is DEPLORABLE and DEGRADING to my Credit worthiness. XXXX is XXXX reporting 30- 120 days HOW I THIS? I was never contacted from XXXX via email, regular mail or my Login File I have signed up with them to notify me of any changes that is associated with my account especially if I was occurring late payments on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: SC

Complaint narrative:
i AM A VICTIM OF THE EQUIFAX DATA BREACH THIS SITUATION HAS COSTED ME MY JOB AND OTHER THINGS FROM MY LIVELY HOOD. IVE BEEN TRYING TO HAVE THESE PEICES OFN INFORMATION ON MY CREDIT REPORT CORRECTED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/2025, I was alerted by Navy Federal that someone tried to use my debit card at XXXX in XXXX for {$570.00} so I responded that I did not recognize that charge. Then I saw another authorization for XXXX for {$610.00}. I immediately called Navy Federal to report that charge as fraud and closed that card and ordered a new one. A temporary credit was placed on my account for {$610.00}. Everything was fine until I get an email today, XX/XX/2025 stating the charge will be placed on my account as I am being held responsible for this charge. I have NEVER been to this store or XXXX. I had to look up what kind of store they were. From my account history the last 6+ years, I have never spent more than {$200.00} on shoes and that was at XXXX . I am NOT responsible for this charge. I was working when I got the fraud alert. I rarely go to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: GA

Complaint narrative:
my information was exposed in the equifax data breach which caused identity theft Pursant to section 605B of the Fair Credit Reporting Act ( FCRA ) I am requesting that you remove and block the reporting of all accounts resulting from identity theft. Under 15 USC 1681c-2, XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-31 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: GA

Complaint narrative:
my information was exposed in the equifax data breach which caused identity theft Pursant to section 605B of the Fair Credit Reporting Act ( FCRA ) I am requesting that you remove and block the reporting of all accounts resulting from identity theft. Under 15 USC 1681c-2, XXXX XXXX XXXX XXXX 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 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