vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: TX

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act.

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 2025-06-30 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 
XXXX ) that you, the TransUnion LLC Consumer Dispute Center, 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 : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, MI XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$320.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-06-30 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: MD

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 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 2025-06-30 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: OH

Complaint narrative:
I recently reviewed my credit report and found incorrect personal information and inaccurate inquiries : 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 XXXX XXXX XXXX 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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I recently reviewed my credit report and found incorrect personal information and inaccurate inquiries : 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 XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-30 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: IN

Complaint narrative:
I am writing because My personal information was involved in a data breach, I have recently had many spam calls and fraud accounts reporting. According to the fair credit reporting act Section 609 ( a ) ( 1 ) ( A ) and US code 1681e, you are required by federal law to verify through physical verification of the orginal sogned consumer contract and all accounts you post on a consumer report. I demand the accounts below to be removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am elderly and this is causing difficulties in my life. inquiries 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
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Account CAINE WEINER # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital one marked on my credit report as a bad debt ( closed ) when I received a letter of paid in full and the title for the vehicle. It should be changed as paid ( closed )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: MI

Complaint narrative:
Issue : Sallie Mae is preventing me from opting out of my post-graduation grace period on my private student loan, despite my repeated verbal and written requests to begin principal and interest repayment immediately. This policy is causing substantial financial harm by forcing me to remain in a non-repayment status while interest accrues at an extremely high rate ( XXXX % APR ). 

I have attempted multiple times to initiate full repayment including while speaking to their representatives and was told they would file an internal request to remove the grace period. I received no formal communication or denial letter. I followed up again and was told my request had been denied without any justification or documentation. I have also requested escalation and was ignored.

Sallie Maes own public statements suggest that borrowers may request to end deferment at any time. Yet in practice, they are treating the grace period as non-waivable, blocking me from repaying the loan and simultaneously reporting my account as in grace, which is preventing me from refinancing with other lenders at more favorable interest rates ( such as 5 % ). 

This appears to be an Unfair or Abusive Act or Practice ( UDAAP ) under the CFPBs rules, as it, Causes substantial financial harm by trapping me in high interest accrual, Is not reasonably avoidable, as I have made every effort to begin repayment, Provides no benefit to me as a borrower, and only benefits the lender.

Additionally, their failure to provide a formal written denial or explain their refusal may violate the Truth in Lending Act ( TILA ) or related disclosure obligations.

I am requesting that : 1.Sallie Mae provide a formal, written explanation for their refusal to remove the grace period, 2.I be allowed to transition into full repayment status immediately, and 3. Sallie Mae be investigated for any patterns of blocking repayment to trap borrowers in high-interest grace periods for profit.

Thank you for your assistance. Im happy to provide supporting documentation or follow up as needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) www.consumerfinance.gov/complaint/ Subject : Complaint Regarding Unauthorized Credit Inquiries Dear CFPB, I am filing this formal complaint to report unauthorized hard inquiries on my credit report that were made without my knowledge or consent, in violation of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S. Code 1681b ]. 
After reviewing my credit report from [ Experian XXXX Equifax XXXX TransUnion list as applicable ], I found that the following companies accessed my credit file without my authorization or any permissible purpose : XXXX. XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX XX/XX/XXXX Experian XXXX. XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX  XX/XX/XXXX TransUnion XXXX. XXXX XXXX XX/XX/XXXX TransUnion XXXX. XXXX XXXX XX/XX/XXXX TransUnion XXXX. XXXX  XXXX XX/XX/XXXX TransUnion XXXX. XXXX XX/XX/XXXX TransUnion XXXX. XXXX XXXX XX/XX/XXXX TransUnion XXXX. XXXX XXXXXX/XX/XXXX TransUnion XXXX. XXXX XX/XX/XXXX Equifax I did not apply for credit, authorize these companies to access my credit report, or have any business relationship with them. These inquiries are negatively impacting my credit score and overall creditworthiness. 
I have already submitted a dispute to the credit bureaus and requested the removal of these unauthorized inquiries. However, I am filing this complaint with the CFPB to ensure a full investigation is conducted and to protect my rights under federal law. 
Requested Resolution : I am requesting that the CFPB investigate these companies and ensure that the credit bureaus : Remove all unauthorized inquiries from my credit reports Provide documentation or justification for the inquiries if they claim they were authorized Hold companies accountable for violations of the FCRA Attached Documentation : Copy of my government-issued ID And Social Security Card Please let me know if any further information is needed. I appreciate your assistance in protecting consumer rights and investigating this matter promptly. 
Sincerely, 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 2025-06-30 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: TN

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act.

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 2025-06-30 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: IN

Complaint narrative:
On XX/XX/year>, a fraudulent hard inquiry was made with my information for a XXXX 's credit card through XXXX XXXX. I did not make this inquiry. A few days later, I was alerted to about the suspicious activity, which appeared as a XXXX hard inquiry on my credit report. I attempted to call XXXX XXXX to report the fraudulent inquiry, but they were unable to find the inquiry in their system. I called TransUnion credit bureau to dispute the inquiry, but they want me to mail a fraudulent activity letter from the bank regarding the inquiry, which the bank is unable to provide. TransUnion then requested me to mail an FTC fraud report instead. The FTC website referred me to CFPB to file a fraud report. My name is XXXX XXXX, phone number XXXX, email at 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 2025-06-30 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I am writing to have the balance associated with my AMEX account reversed, my AMEX account closed, and my credit report corrected. 

For the last XXXX months I have been in contact with AMEX representatives via phone, chat rooms, and by mail regarding a {$62.00} interest charge that was imposed on my account for the billing period XX/XX/XXXX - XX/XX/XXXX. This fee was ultimately reversed after several calls and much discussion with multiple AMEX customer service representatives. I did not pay this amount while it was being disputed. As a result, as of XX/XX/XXXX XXXX additional charges of {$51.00} and {$60.00} ( {$110.00} ) were added to my account in spite of the card being paid in full, other than the {$62.00} disputed charge. On XX/XX/XXXX, I wrote a letter explaining my payments, the current balance on the account, and that I would not be paying anything more. On XX/XX/XXXX, I called to request that my card be cancelled and my account closed. There have been no merchant charges to this account since the first week of XX/XX/XXXX. 

In spite of AMEX being advised in XX/XX/XXXX that no further payments would be made, and stating this again to the customer service representative who I thought had helped me to close my account, AMEX left the account open and continued to add late fees and interest charges on my account. AMEX was advised in writing on XX/XX/XXXX, that no further payment would be made, thus all charges that make up the current balance ( {$230.00} ) are clearly nothing more than a blatant attempt to ruin my good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have tried to deposit with the cash back option my rewards into my USBANK checking account. 

Every time I have tried it gives an error message. I called and tried with an operator and they received an error message as well. 

I called a few times and tried to redeem my rewards and it is not working. I have XXXX The account for the credit card ends in XXXX and I am trying to transfer my rewards into my checking account that ends in XXXX. 

I have a snipshot of the error message. I think they are giving me the run arround

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 2025-06-30 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: CBC Companies, Inc.
State: MS

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On Saturday XX/XX/year>, I utilized XXXX through my Chase business checking account for the first time after completing a XXXX  job for a customer. The customers card was ran for {$3400.00}. The transaction was approved, and all appeared well. Later that evening, I received an email stating my payout had failed but also mentioned they ( Chase ) cancelled my payout. They provided generic excuses for the payout failing, such as incorrect account name, number etc. I tried to call customer service on Sunday XX/XX/XXXX, but they were not open. Monday XX/XX/XXXX, I called merchant services. I was then told, that my account ( XXXX ) had been closed, and that my funds would be held for 120 days due to being high risk. I was then instructed I could either wait 120 days for my funds, or I could go to WePay  and file an appeal. I asked to speak directly with WePay and was told they dont accept phone calls. I then asked to speak with a manager, and was told this wouldnt do anything. Following this phone call, I filed the appeal through WePay at approximately XXXX on XX/XX/year>. I have not received any response. I submitted another request through WePay notating that I have not heard anything. I then received a generic response that someone would be in contact within 2 business days. Withholding this amount of funds from a small business that is just getting started is detrimental. This is directly affecting not only my business, but me personally as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
This is my third time I am requested to Experian and TransUnion to block and delete the reinserted fraudulent account. They removed it and again reinstalled it back to my Experian and TransUnion credit reports. I have not received any approve or any documentation that this fraudulent auto loan belongs to me. This is a violation of the Fair Credit Reporting Act. The XXXX XXXX XXXX - partial account no : XXXXXXXXXXXX XXXX XXXX XXXX XXXX is a fraudulent account and I request to all credit reporting agencies and creditor to block and delete this fraudulent information from my credit reports permanently and immediately.

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