vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: Early Warning Services, LLC
State: MI

Complaint narrative:
shortly after my. account was restricted the institution told me to go through this company so that I can dispute whatever is on my credit report and get my account unrestricted. 

the company provided the report but asked me to provide my id and ssc to verify identity. this is a third party company who bought my info from another company and has ill intent and used my will against me unknowingly. 

I disputed and nothing was resolved so It is a time loop of not getting anywhere in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: MI

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : [ XXXX XXXX ] [ XX/XX/year> ] [ XXXX ] [ XX/XX/year> ] [ XXXX XXXX ] [ XX/XX/year> ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
I was the victim of an online scam through a merchant using Affirm. The seller charged me XXXX the actual market price for a product from XXXX. They send me really cheap quality product. I provided Affirm with clear proof ( screenshots, pricing from legitimate sources, merchant fraud reports ). 

Affirm denied my dispute twice. I was forced to pay the full balance to avoid credit damage. 

As a result of this fraudulent transaction, my personal data including my phone number was compromised. Since then, I have been receiving constant scam calls and text messages from unknown numbers. This is a direct consequence of Affirm allowing a fraudulent merchant to access my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
RESPONSE TYPE Closed with explanation XXXX On XX/XX/year>, Barclays Bank Delaware performed a hard inquiry on my credit report without my authorization. 

Barclays accessed my credit file. 
When I contacted the XXXX major credit bureaus to dispute the inquiry, they stated that Barclays had verified it as legitimate. However, after I filed this CFPB complaint, Barclays changed their explanation, which is inconsistent and suspicious. 


In their response to the cfpb XXXX Barclays Bank Delaware Stated that Quote : RE : Application for a XXXX XXXX XXXX I have received correspondence forwarded to Barclays Bank Delaware ( 'Barclays ' ) from the Consumer Financial Protection Bureau XXXX I understand your concerns regarding the above-referenced application, and would like to detail the results of my investigation. 
Our records confirmed that we received an application in your name for a XXXX XXXX XXXX on XX/XX/year>. In response to your claim, our Fraud team completed an investigation into your concerns and has reason to believe this application was submitted fraudulently. 

Which proves my claim. 

In addition, Barclays is reporting late payments on accounts that were included in my Chapter XXXX bankruptcy and discharged and is also ignoring these facts. 

Under the FCRA and bankruptcy law, these late payments should have been removed. Barclays has failed to correct these inaccuracies despite multiple requests for XXXX consecutive years. 
This pattern of conduct shows willful noncompliance with federal credit reporting laws. 

Impact to me : Denied credit card applications Denied auto loan approval Increased insurance premiums Emotional distress and mental anguish Missed business opportunities Company name : Barclays Bank Delaware Account type : Finance Companies Non Specific Inquiry date : XX/XX/year>

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 2025-08-13 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: FL

Complaint narrative:
This record of late payment is not in line with my past behavior. I ask that you investigate and remove it accordingly.

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 2025-08-13 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 account is a result of identity theft please block this information from my credit report within XXXX days following section 605B of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: AZ

Complaint narrative:
bXXXX XXXX XXXX XXXX XXXX, AZ XXXX \n\nTransUnion Consumer Solutions\nP.O. Box 2000\nChester, PA 19016\n\nSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Transunion Consumer Services,\n\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the TransUnion data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:\nXXXX\tXXXX XXXX XXXX \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nUnder 15 U.S.C.  1681c-2(a), I request that Transunion promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.\n \nXXXX 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 2025-08-14 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: FL

Complaint narrative:
I am not responsible for the listed inquiries and request they be investigated and removed accordingly.

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 2025-08-13 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$220.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XX/XX/XXXX -- {$1200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$1200.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/year> I received a notice that multiple of my accounts with PNC had a XXXX balance from an alert from my PNC app. I then saw a call from PNC from a XXXX and XXXX. XXXX called at XXXX and XXXX am. XXXX called later in the day, around XXXX am. I called XXXX to no answer. I reach out to XXXX as I had previously worked with her. She stated that XXXX was trying to get in touch with me and that he would call me back. XXXX called back and stated they put a hold on my PERSONAL account because an account had been over drafted from a Nonprofit I am on the board of and that he wanted to get my attention. I stated that the business account was not a benefit to me, nor in my personal name, I just was a signer on the account. He stated that they were holding my XXXXERSONAL funds until the nonprofit paid them back, leaving me with access to no money. In addition they froze my childrens accounts as well, who have nothing to do with the nonprofit. On the call XXXX stated that I could remove money by going into a branch. I went into the branch in XXXX, and requested my funds. They stated that since there was a hold on the account there was nothing they could do. They are holding and commingling my personal funds with the nonprofit by their actions, and I want my funds released immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made and it is the result of identity theft. 
Unauthorized Hard Inquiries : XXXXXXXX XXXX XXXXXX/XX/XXXX {$360.00} XXXX XXXX CO XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX XXXX XX/XX/XXXX {$390.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : Fair Credit Reporting Act Section 605B I appreciate your prompt attention to this matter, and await your reply.

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 2025-08-14 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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made and it is the result of identity theft. 
Unauthorized Hard Inquiries : XXXXXXXX XXXX XXXXXX/XX/XXXX {$360.00} XXXX XXXX CO XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX XXXX XX/XX/XXXX {$390.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : Fair Credit Reporting Act Section 605B I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made and it is the result of identity theft. 
Unauthorized Hard Inquiries : XXXXXXXX XXXX XXXXXX/XX/XXXX {$360.00} XXXX XXXX CO XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX XXXX XX/XX/XXXX {$390.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : Fair Credit Reporting Act Section 605B I appreciate your prompt attention to this matter, and await your reply.

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 2025-08-13 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: NJ

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-08-13 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:
I believe this late payment was reported in error and is not in line with my payment record. I ask that you correct this by removing it from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
Starting on XX/XX/XXXX, I started to receive calls from a company called XXXX XXXX XXXX. I then started to receive these calls frequently so on XX/XX/XXXX I called the company and asked about why they were calling and they advised that they were looking for a XXXX XXXX. I advised the person at the time that there was no one here by the name and that XXXX XXXX was a former cashier at a local XXXX who took peoples personal information and used it to open up accounts in her name but to duck out of handling business. The gentleman said that he would remove my number from the calling list and I thought that would resolve the issue. 

XXXX - again got a call- this time I used my TEAMS phone to call back and again was advised that they were trying to reach this XXXX XXXX - advised the same story again and this time I advised that the first person that was told the same information and asked not to contact me anymore since he had a I don't care attitude. 

XX/XX/XXXX - Got a call again - tried to call back x XXXX - couldn't get past the switchboard XX/XX/XXXX - Called and told the same story to the third rep for the third time and I advised him at that time that I was going to file a FDCPA complaint as they were in violation of Public Law 95-109 subsection 804 sub paragraph 3 and subsection 806 - Harassment and that if they called again that a complaint would be filed. Was told that my number would be removed as it does not belong to XXXX XXXX. 

XX/XX/XXXX - XXXX a call yet again. Did not answer as I feel like I am wasting my breath.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XX/XX/year> I deposited a check at NFCU XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Branch Teller ID XXXX at XXXX pst that was mailed to me from a scammer claiming to be a job offer. The teller did not go through check deposit verification to make sure it was acceptable. The next day XX/XX/year> I went and withdraw the funds as instructed for what I thought was a job offer but it happen to be a scammer. The withdrawn funds went straight to the XXXX XXXX for gift cards to be applied to so called office work from home equipment by the scammer. The equipment was suppose to shipped to my residence. Upon sending the scammer the gift card screenshots, I started to get more suspicious as to if the opportunity was actually legit. The scammer communication was done via email and Telegram. I saved my evidence and blocked the scammer from my devices the best I could. There was another fraud cashier check sent to my home the XX/XX/year> in the amount of {$5500.00} from a " XXXX '' XXXX. I captured it for my records and shredded it. 
Navy Federal mailed out a notice XXXX, XXXX  stating that the check was suspected counterfeit and as a result {$4900.00} has been deducted from the account. I contacted NFCU by phone to inform them that the teller didn't make any attempt to confirm that the check was an official check. Navy Federal stated they're not accountable for fraudulent account activity, willing to take no accountability to make sure large, teller check deposits are legit. The account went into collections causing me to pay back the full amount, which not only I should be accountable for but the bank as well. The Branch accepted the funds just like I did, not knowing it was fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: CA

Complaint narrative:
I respectfully request the removal of this late payment entry, as it does not correspond to my actual payment behavior.

Company response to consumer: Closed with non-monetary relief