vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: NC

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 : XXXX XXXX Address : 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 XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$57.00} XXXX 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 XXXXXX/XX/XXXX, Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$44.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$170.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$11000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$160.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : 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
Consumer complaint received 2025-07-02 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: AZ

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 XXXXXX/XX/XXXX, Balance : {$2500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$88.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: AR

Complaint narrative:
I sent a dispute letter certified, return receipt to XXXX XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX the document was received and signed for. On or around XX/XX/XXXX I received a package from XXXX XXXX  dated XX/XX/XXXX with some information that I requested, but not everything. I did not receive the application that was signed when the line of credit was supposedly opened, only a printout of XXXX 's credit agreement and terms, a transaction history, and a document that states XXXX line of credit application. Although some of the information on this is my information, the majority is not, mainly the bank information as it is a local bank here in Arkansas and the account was opened back in XXXX when I did not live in Arkansas and couldn't have opened the account. I had 30 days to respond to this information that was sent to me and I sent an additional letter to XXXX XXXX on XX/XX/XXXX, certified, return receipt, explaining that I was still disputing this debt. Today, XX/XX/XXXX, I receive a text message from my ex-husband stating that Sequium Asset Solutions , LLC, a Debt Collector : Payment options are available to resolve your XXXX XXXX  XXXX XXXX account that was acquired by XXXX XXXX XXXX XXXX XXXX account ending XXXX and to please contact them if I have questions. 
Not only did they not contact me, they contacted and gave my ex-husband personal information. So now they have slandered my name sending this to him making him believe I don't pay my bills. XXXX XXXX sold this debt in the middle of it being disputed and the dispute is not resolved and all collection on this was supposed to be ceased. XXXX did not notify this company that it was being disputed as it is supposed to do. This is against the Fair Debt Collection Practices Act and I would like this removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: OR

Complaint narrative:
I am filing this complaint regarding unauthorized hard credit inquiries on my consumer credit file that were neither initiated nor approved by me. Between XXXX and XX/XX/year>, I identified multiple inquiries on my Equifax and Experian credit reports from companies I have no relationship with and never authorized. I did not apply for new credit or services during that time. 

I promptly filed disputes with both bureaus but received either template rejection letters or no adequate resolution. The inquiries remain, despite being unauthorized and in clear violation of the FCRA ( Fair Credit Reporting Act ).

These actions have negatively impacted my credit profile, and I am requesting that the Consumer Financial Protection Bureau review this complaint and direct the reporting agencies to ( 1 ) provide a full explanation of how these inquiries were permitted, ( 2 ) delete any unverified and unauthorized inquiries, and ( 3 ) provide confirmation of corrective action.

I am also requesting that the involved parties be investigated for failure to uphold fair and legal consumer credit reporting practices under federal law.

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 2025-07-02 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:
my information was breached and accounts were opened under my name, I have also included an ftc report

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 2025-07-02 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:
my information was breached and accounts were opened under my name, I have also included an ftc report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: NY

Complaint narrative:
I went to deposit a check on XX/XX/year> drawn from Bank XXXX XXXX and XXXX XXXX into my KeyBank checking account. I asked the teller if there would be the standard one day hold, and my funds would be available tomorrow. The teller said yes so I proceeded to deposit my check. Logging into the mobile app confirmed the funds would be available the next day XX/XX/year>. After checking on XX/XX/XXXX they had placed a five business day hold on my funds. Even removing the initial {$100.00} that was available from the check. This is not the first time I have deposited checks from this same company. If I would have been informed of a XXXX business day hold I would have gone directly to XXXX XXXXXXXX XXXX which is a which is a half hour drive away and cashed the check instead of letting KeyBank hold my money with no explanation. after visiting the branch when they opened on XX/XX/XXXX, I was told they would not release the funds and even though it is the discretion of the branch manager, who could verify that I have deposited multiple checks from the same company would not release the hold.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-02 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXXXXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$3300.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$790.00} XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$2500.00}

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 non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
They were paid through a settlement with freedom debt relief I can't remember the exact year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: WV

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached 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 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied for and received a XXXX XXXX XXXX credit card from Citi. I was automatically given a credit limit of {$7000.00}. I contacted Citi via their online chat to request a credit limit of {$1000.00} instead. They stated that it is a policy for that card that the credit limit can not be less than {$4000.00}. I asked the first agent if that is disclosed in the cardholder agreement. He confirmed that it is not, and escalated to another agent. The second agent refused multiple times to tell me where the policy could be found in writing. He then refused to escalate the issue to his supervisor. I only applied for the card so I could have an account with a lower credit line appropriate for daily use. My credit score was impacted and my time wasted by applying for the card, getting it activated, etc because Citi did not disclose an alleged policy that I would not have consented to had the policy been disclosed and then its employees attempted to cover it up by refusing to provide the information- because the information does not exist. Then I asked to cancel the card since I never agreed to this policy, and the second agent then disconnected our chat before confirming the cancellation.

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 2025-07-02 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: OH

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ 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 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
I would appreciate it if you fix your application at the consumer financial affairs being that I can not answer or see the results of anything I file next I would greatly appreciate it if the bank when theyre getting a refund, we posted in the pending money that is going to be deposited into your account instead of a zero balance I returned a pair of pants and I should be getting a credit of XXXX some dollars I will attach the receipt could you ask them where my refund is and why my application does not show it as a pending refund shows it at a XXXX balance Also, why it takes so long to get the refund back most refunds are instantaneous. Ive noticed when I shop a XXXX or any other application when you take it back, it instantly goes back to your card at the bank. I would like to know why they have a problem putting my money back in my account. Were saying that its pending instead of a zero balance would you like the recording again? Do you think they could fix the application to a pending balance instead of zero?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am filing a complaint against Wells Fargo Bank regarding how they mishandled a fraud dispute and are now threatening to close my account. 

My account was compromised on XX/XX/year>, and I immediately reported the unauthorized charges. I filed a dispute, but Wells Fargo denied my claim. I escalated the issue, and it was referred to the Executive Office, specifically to a representative named XXXX XXXX. 

Despite providing solid evidence, including a statement from the merchant admitting to fraud, my claim was still denied. This decision is completely unreasonable and contradicts the documented facts. 

I repeatedly requested that Wells Fargo and specifically XXXX XXXX provide me with the documentation or investigation materials used to reach their decision. He refused to provide any such documentation, even after multiple requests. This lack of transparency is unacceptable. 

To make matters worse, Wells Fargo has now threatened to close my account by XX/XX/year>, seemingly in retaliation after I raised concerns and mentioned hiring legal counsel. This feels like intimidation and a way to avoid accountability. 

I believe Wells Fargo has not acted in good faith, has failed to follow proper fraud resolution procedures, and is now engaging in behavior that borders on retaliation. 

I am asking the CFPB to review this case, require Wells Fargo to : Provide all documentation used to deny my claim, Reopen or fairly review the dispute based on the merchants admission of fraud, and Halt any account closure action until a fair resolution is reached.

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 2025-07-02 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Dispute of Inaccurate Information under 15 U.S.C. 1681e ( b ) To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the following accounts appearing on my XXXX  credit report. Despite prior requests for verification, these accounts remain inaccurately reported and unverifiable. Under the Fair Credit Reporting Act, particularly 15 U.S.C. 1681e ( b ), XXXX  is required to ensure the maximum possible accuracy of the information it reports. This standard has not been met with respect to the accounts listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC / Resurgent Capital Services XXXX XXXX XXXX XXXX  ) I dispute the validity of these accounts in their entirety. I also request that XXXX  verify the information reported by providing : A copy of the original purchase agreement for each account, Signed by all parties involved, and Specifically from the original creditor. 
This request is critical because multiple companies have contacted me in relation to the same alleged debts, leading to confusion and inaccurate reporting. 
Unless you can provide full legal validation, including ownership of the debt and an accurate, original contract bearing my signature, I am requesting immediate deletion of all references to these accounts from my credit file, including removal from all consumer reporting agencies to which you have supplied this information. 
Please conduct a thorough reinvestigation and notify me in writing of the results within the timeframe prescribed by the FCRA. I also request a copy of my corrected credit report should any changes be made as a result of this dispute. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: UPGRADE, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX RE : Dispute of Inaccurate Information under 15 U.S.C. 1681e ( b ) To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the following accounts appearing on my XXXX credit report. Despite prior requests for verification, these accounts remain inaccurately reported and unverifiable. Under the Fair Credit Reporting Act, particularly 15 U.S.C. 1681e ( b ), XXXX is required to ensure the maximum possible accuracy of the information it reports. This standard has not been met with respect to the accounts listed below : XXXX XXXX XXXX  ( Account XXXX. XXXX ) XXXX ( Account XXXX. XXXX ) XXXX ( Account XXXX. XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account No. XXXX ) I dispute the validity of these accounts in their entirety. I also request that XXXX  verify the information reported by providing : A copy of the original purchase agreement for each account, Signed by all parties involved, and Specifically from the original creditor. 
This request is critical because multiple companies have contacted me in relation to the same alleged debts, leading to confusion and inaccurate reporting. 
Unless you can provide full legal validation, including ownership of the debt and an accurate, original contract bearing my signature, I am requesting immediate deletion of all references to these accounts from my credit file, including removal from all consumer reporting agencies to which you have supplied this information. 
Please conduct a thorough reinvestigation and notify me in writing of the results within the timeframe prescribed by the FCRA. I also request a copy of my corrected credit report should any changes be made as a result of this dispute. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: CA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX - XXXX * * * XXXX - XX/XX/XXXX - {$6600.00} XXXX  - XXXX * * * XXXX - XX/XX/XXXX - {$24000.00}

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 non-monetary relief