vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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 credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding a collection account being reported by SEQUIUM ASSET SOLUTIONS. I previously sent a formal debt validation letter pursuant to the Fair Debt Collection Practices Act ( XXXX XXXX Code XXXX ), requesting detailed documentation to support the legitimacy of the alleged debt. 

The letter was mailed on XX/XX/year>, and while I am allowing time for their response, I am submitting this complaint to ensure my dispute is properly documented and acknowledged. I have concerns that the letter may not reach the correct recipient due to multiple addresses associated with XXXX XXXX XXXX listed across different credit reporting records. I want to make sure my dispute is received and responded to in a timely and lawful manner. 

This CFPB complaint is being filed not only to track and document my efforts to resolve this matter but also to encourage SEQUIUM ASSET SOLUTIONS to provide a proper and complete response to my validation request as required underfederallaw.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. XXXX XXXX and XXXX XXXX. 

The following inquiries are not authorized. Please remove it from my credit report immediately. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX Please correct and update the late payments on my credit report. 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 2025-07-23 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and 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 2025-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year>, a payment of {$290.00} was processed via either PayPal or a bank card. While this payment was purportedly refunded, the funds have not been received. Furthermore, the Capital One Quicksilver card reflects an open status with available credit, yet the credit score has been adjusted from XXXX to XXXX. This situation impacts the ability to meet essential financial obligations, and a resolution is urgently required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX XXXX section XXXX A. States I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX. ( 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. XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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:
My personal information was exposed in several data breaches in which several accounts have been opened without my authorization. My information was exposed in the XXXX equifax data breach and also the XXXX XXXX data breach and several others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: DC

Complaint narrative:
I solemnly affirm Under the risk of egal consequences that i am making an allegation against an individual or a company. According to this claim they utilized my social security number and card along with other personal identifying information without my consent to apply for goods services or succeeded in creating several accounts through this unauthorized aciton. I want to emphasized that i have no knowledge of these activities and the matter is currently under investigation by the FTC 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 explanation
Consumer complaint received 2025-07-23 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: WI

Complaint narrative:
I have previously disputed 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 2025-07-23 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: NC

Complaint narrative:
Attached documents XXXX letter for each specific bureau to be sent to each individual credit bureau separately

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 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK, XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington , DC XXXX Re : Formal Complaint Against U.S. Bank for Failure to Honor Promotional Bonus Terms Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against U.S. Bank for its failure to honor the terms of a promotional offer associated with the opening of a checking account. 

On XX/XX/XXXX, I opened a U.S. Bank checking account under promotion code " XXXX. '' The terms and conditions of this promotion explicitly stated that a {$450.00} bonus would be awarded upon depositing more than {$8000.00} within 90 days of account opening. Additionally, the terms stipulated that the account holder must not have had an existing U.S. Bank checking accounta condition I satisfied, as my last U.S. Bank checking account was closed in XX/XX/XXXX. 

In compliance with the promotions requirements, I made the following qualifying direct deposits from my employer within the specified timeframe : XX/XX/XXXXXXXX  : {$3800.00} XX/XX/XXXXXXXX  : {$3500.00} XX/XX/XXXXXXXX  : {$3500.00} XX/XX/XXXXXXXX  : {$3500.00} XX/XX/XXXXXXXX  : {$1500.00} XX/XX/XXXXXXXX  : {$1500.00} XX/XX/XXXXXXXX  : {$1500.00} Total Deposits : {$19000.00} ( well exceeding the {$8000.00} threshold ). 

Despite fulfilling all obligations under the promotions terms, as of XX/XX/XXXX, I have not received the {$450.00} bonus owed to me. I have attached supporting documentation, including deposit records and the promotional terms, for your review. 

U.S. Banks failure to disburse the promised bonus constitutes a breach of its contractual obligations and may violate consumer protection laws governing fair advertising and the fulfillment of promotional offers. I demand immediate resolution of this matter, including payment of the {$450.00} bonus without further delay. 

I request that the CFPB investigate this matter and ensure U.S. Bank complies with its obligations. Please confirm receipt of this complaint and provide updates regarding its resolution. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Waiting for a negotiation price from collections from XXXXXXXX XXXX XXXX {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have submitted several dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain unresolved. Attached are copies of the correspondence previously sent to each bureau. For your review, I have also included a table summarizing the discrepancies across all three reports. I kindly request your assistance in addressing and correcting these issues as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: MS

Complaint narrative:
I have submitted several dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain unresolved. Attached are copies of the correspondence previously sent to each bureau. For your review, I have also included a table summarizing the discrepancies across all three reports. I kindly request your assistance in addressing and correcting these issues as soon as possible.

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 2025-07-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Citibank decided to close my Best Buy account because of two returned payments. Since the processing time is slow to remove the funds from my bank account its hard to gauge when they actually take the payment. However, a few days later I still go ahead and submit the payment over the phone to rectify the billing issue and the payment is still made within the 30 day window successfully. Citibank however still penalizes me by shutting down the account which affects my credit negatively. This feels like a very unfair practice considering the sheer volume of successful payments over the course of a decade and on time exceptional loyalty to the store of Best Buy. It feels predatory and unfair to a long time user and consumer of the financial services of Citibank.

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 2025-07-23 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
This is my second CFPB filing ( Complaint ID : XXXX ). The first was closed without resolution, yet Bridgecrest still has not reinstated my true dispute remark nor conducted a lawful reinvestigation. 

I am disputing the Bridgecrest Credit Company tradeline reported to XXXX. The account previously included the remark Account information disputed by consumer. That remark was improperly removed and replaced with Dispute resolved subscriber disagrees, even though : I have never withdrawn my dispute, No court judgment has been issued, The matter is the subject of active litigation in Superior Court of XXXX XXXX, Georgia ( Case No. XXXX ), and The vehicle in question has been unusable and under repair throughout the duration of the contract. 

Under 15 U.S.C. 1681s-2 ( a ) ( 3 ), a furnisher must continue to report a dispute unless it is withdrawn or resolved by investigation. Under 15 U.S.C. 1681i, XXXX  is required to reinvestigate disputed items and provide written results within 30 days.

The remark Dispute resolved is false, misleading, and has caused harm to my credit profile while I am actively defending the matter in court. 

I am submitting the following documents in support of my complaint : My formal dispute letter ( with full legal citations ), A PeachCourt docket summary showing the case is ongoing, A XXXX XXXX screenshot dated XX/XX/year>, showing the incorrect remark. 

This misreporting is deceptive and undermines my rights under the Fair Credit Reporting Act. I request CFPB assistance in compelling the furnisher and credit bureau to : Reinstate the proper remark : Account information disputed by consumer, Annotate the account as being involved in active litigation, and Conduct a reinvestigation with written findings, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : US DEPT ED - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$3300.00} US DEPT ED - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$3300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXXI sent a certified letter to Equifax XXXX  with a tracking number  XXXX XXXX XXXX XXXX XXXX XXXX  via USPS. The letter was received on XXXX Equifax did not reply to my request I proceeded to send another letter dated XXXX which was also ignored. The account I am disputing is with bank: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 2025-07-23 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: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency has included unauthorized hard inquiries on my credit report, which were not initiated by me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ). These sections prohibit reporting inquiries not initiated by the consumer unless specific conditions are met, such as prior written authorization or a firm offer of credit. I did not authorize these inquiries and never provided my written consent. As such, their presence on my credit report is unlawful. The consumer reporting agency has also failed to provide evidence of permissible purpose or documentation containing my signature authorizing these inquiries.

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 2025-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
XXXX XXXX ( based in California and someone we do not know ) on XX/XX/year> opened a bank account with XXXX as a co-applicant on the Bank of America savings account without XXXX 's knowledge or permission. He then proceeded to transfer {$20000.00} from XXXX 's checking account into his own account, first into his savings account then checking account. The funds were initially frozen by Bank of America, and XXXX was told by the bank that the money would be returned. However, after investigating the transaction BofA allowed the transaction to go through, and told XXXX that this is because the transaction was approved from the device normally used for banking transactions by XXXX. They closed the case without returning the money. A sheriff 's office report was also filed in XXXX SC on XX/XX/year>. A report was also filed on identitytheft.gov. Our complaint is that Bank of America security is not competent enough to prevent identity theft crime, and that BofA claims they can not reverse the transaction despite the fraud.

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