vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: MI

Complaint narrative:
On XX/XX/XXXX, I received a letter from USbank/Relia Card stating that a refund check issued to me by U.S. Bank related to my ReliaCard unemployment insurance prepaid account was outstanding and had expired. The amount of the check is {$45.00}. A phone number was included to contact them to have the check reissued to me. I contacted them and verified all of my personal information. I explained to the customer service rep that I had moved within the past XXXX years, which is why I did not receive the check. The letter also stated that if the check did not fully compensate me for financial injury that I experienced because my ReliaCard unemployment insurance prepaid account was frozen between XX/XX/XXXX and XX/XX/XXXX, you have the option to seek additional payment from the bank. Went on the website as instructed and was able to see what the additional compensation was but could not fill out the claim form. After many conversations with a rep, I finally got the check for {$45.00} on XX/XX/XXXX and was mailed a claim form, however, I was told several times that Rust Consulting was handling the claim but I get refered back to ReliaCard. ReliaCard is stating that in order to get my claim, I have to contact unemployment. Unemployment refers me back to ReliaCard.

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 2025-04-27 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
On XX/XX/year>, I made a {$170.00} payment toward my balance, which made my new balance {$230.00} ( credit limit is {$500.00} ). However, Citi refuses to adjust my available credit and said they will not do so until XX/XX/year> even though the payment that I made already cleared my bank account on XX/XX/year>. This is unethical, and they are withholding available credit that I should have.

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 2025-04-28 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXXXXXX XXXX XXXX ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and data breach within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists XXXX XXXX account opened XX/XX/year> with a balance of {$3000.00} Acct # XXXX The aforementioned account and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 explanation
Consumer complaint received 2025-04-27 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: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-27 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: TX

Complaint narrative:
EQUIFAX IS USING MY CREDIT FILE IMPROPERLY AND WITHOUT MY CONSENT. IN XX/XX/year> I FILED COMPLAINT WITH CFPB BECAUSE EQUIFAX WAS ALLOWING XXXX XXXX XXXX - XXXX balance TO REPORT ON MY CREDIT FILE WITHOUT MY PERMISSION OR KNOWLEDGE OF A LEGAL ACCOUNT. EQUIFAX REMOVED ACCOUNT FROM CREDIT FILE BUT ON XXXX XXXX EQUIFAX ALLOWED XXXX ACCESS TO MY CREDIT FILE AND ONCE AGAIN REPORTED AN ACCOUNT EVEN AFTER MY DISPUTES, ID THEFT REPORT, AND COMPLAINING TO THE CFPB!! MY INFORMATION WAS COMPROMISED IN THE EQUIFAX DATA BREACH. SINCE THEN I HAVE HAD ACCOUNTS APPEAR ON MY EQUIFAX CREDIT FILE WHICH I DID NOT GIVE PERMISSION TO EQUIFAX OR ACCOUNT HOLDERS TO APPEAR ON MY FILE OR HAVE ACCESS TO MY PERSONAL INFORMATION. EQUIFAX HAS REFUSED TO BLOCK THIS ITEM THAT I HAD REQUESTED TO BLOCK O MULTIPLE OCCASIONS. I HAVE SENT EQUIFAX ALL SUPPORTING DOCUMENTATION BUT EQUIFAX IS MAKING DECISIONS ABOUT MY PERSONAL CREDIT FILE THAT I DO NOT CONSENT TO BY ALLOWING THESE COMPANIES TO KEEP REPORTING EVEN AFTER I REQUESTED ALL REPORTING CEASE BECAUSE OF IDENTITY THEFT. THE FOLLOWING ACCOUNT I AM NOT LIABLE FOR AND NEVER GAVE PERMISSION TO FURNISH THIS ACCOUNT WITH CREDITOR OR EQUIFAX : XXXX XXXX XXXX - XXXX XXXX!!!! AS IT APPEARS ON EQUIFAX CREDIT REPORT PLEASE BLOCK THIS ITEM AND ANY ACCOUNT AFFLIATED WITH THIS ACCOUNT HOLDER. I DID NOT GIVE PERMSSION TO ACCOUNT HOLDER TO FURNISH ACCOUNT OR ACCESS EQUIFAX CREDIT MY INFORMATION WAS COMPROMISED IN THE EQUIFAX DATA BREACH. SINCE THEN I HAVE HAD ACCOUNTS APPEAR ON MY EQUIFAX CREDIT FILE WHICH I DID NOT GIVE PERMISSION TO EQUIFAX OR ACCOUNT HOLDERS TO APPEAR ON MY FILE OR HAVE ACCESS TO MY PERSONAL INFORMATION. EQUIFAX HAS REFUSED TO BLOCK THIS ITEM THAT I HAD REQUESTED TO BLOCK O MULTIPLE OCCASIONS. I HAVE SENT EQUIFAX ALL SUPPORTING DOCUMENTATION BUT EQUIFAX IS MAKING DECISIONS ABOUT MY PERSONAL CREDIT FILE THAT I DO NOT CONSENT TO BY ALLOWING THESE COMPANIES TO KEEP REPORTING EVEN AFTER I REQUESTED ALL REPORTING CEASE BECAUSE OF IDENTITY THEFT. THE FOLLOWING ACCOUNT I AM NOT LIABLE FOR AND NEVER GAVE PERMISSION TO FURNISH THIS ACCOUNT WITH CREDITOR OR EQUIFAX : XXXX XXXX XXXX XXXX AS IT APPEARS ON EQUIFAX CREDIT REPORT PLEASE BLOCK THIS ITEM AND ANY ACCOUNT AFFLIATED WITH THIS ACCOUNT HOLDER. I DID NOT GIVE PERMSSION TO ACCOUNT HOLDER TO FURNISH ACCOUNT OR ACCESS EQUIFAX CREDIT FILEEQUIFAX HAS ALSO DENIED MY MULTIPLE REQUESTS FOR A METHOD OF VERIFICATION FOR THIS ITEM AND HAS ALSO DENIED MY MULTIPLE REQUESTS FOR A METHOD OF VERIFICATION FOR THIS ITEM PLEASE REMOVE ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: MO

Complaint narrative:
I just found out my little cousin has been using my name and info to open accounts for like credit cards and loans. The accounts that I put on this list are not mine, I really want them to be removed from my credit because the accounts were opened fraudulently. Please help me get this resolved, so my credit can be right. I saw online that there is a case where the CFPB sued the credit places for not doing the disputes the right way. 
I dont know what the difference is but I need my case handled correctly like the court case discusses about the disputes. Please dont do my stuff wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: MO

Complaint narrative:
I just found out my little cousin has been using my name and info to open accounts for like credit cards and loans. The accounts that I put on this list are not mine, I really want them to be removed from my credit because the accounts were opened fraudulently. Please help me get this resolved, so my credit can be right. I saw online that there is a case where the CFPB sued the credit places for not doing the disputes the right way. 
I dont know what the difference is but I need my case handled correctly like the court case discusses about the disputes. Please dont do my stuff wrong.

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 2025-04-28 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:
XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX, XXXX TRANSUNION CREDIT BUREAU Re : Request for Removal of Medical reported accounts Reporting of Medical-Related Debt To Whom It May Concern, I am writing to formally dispute the inclusion of the Medical Related debt accounts currently appearing on my credit report. The accounts was used exclusively for medical services and therefore qualifies as medical-related debt under current federal law and regulatory guidance. 
Pursuant to Consumer Financial Protection Bureau ( CFPB ) Regulation V, XXXX XXXX XXXX, and recent policy changes regarding the reporting of medical debt, any account primarily used for medical or hospital expenses must be removed from consumer credit reports. This includes credit card accounts used to pay for medical services, even if not classified directly as medical collections. 
As such, I am requesting the immediate deletion of these account from my credit report. The inclusion of these accountsis not only misleading but also non-compliant with federal law. 
Here are the details of the accounts in question : Creditor : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXXXXXX XXXX Creditor : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Balance : XXXX * XXXX XXXX * Account Number : XXXXXXXX XXXX Date Opened ; XX/XX/XXXXXXXX XXXX Balance : XXXXXXXX XXXX Creditor : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX  Balance : unknown Please conduct a full reinvestigation of these accounts and provide written confirmation of its deletion. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to complete your investigation within 30 days. Failure to do so will compel me to file a complaint with the Consumer Financial Protection Bureau and consider further legal remedies. 
Thank you for your immediate attention to this matter. 

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 non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024.

I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach. 

Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience. 

Thank you for your assistance. 


Company or Organization : XXXX  XXXX Account Number : XXXX Company or Organization : XXXX Account Number : XXXX Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number : XXXX Company or Organization : XXXXXXXX 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 2025-04-27 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:
XXXX XXXX Social Security number XXXX Date of Birth : XXXXXXXXContents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax, and Experian credit reporting agency, 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened XXXX  on XX/XX/XXXX, XXXX the account number starting with XXXX, an auto loan account opened at XXXX on XX/XX/XXXX under the account number starting with XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number starting with XXXX and a collections account opened a with XXXX  XXXX XXXX on XX/XX/XXXX that appears related to the aforementioned XXXX  loan account opened at Dept of EDXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: IL

Complaint narrative:
It has been drawn out that Credit Bureau is not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here is the account that needs to be removed from my file : XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX Balance {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: FL

Complaint narrative:
XXXX is inaccurately reporting a XXXX XXXX bankruptcy ( Case # XXXX ) using unverifiable and altered information, in violation of the Fair Credit Reporting Act ( FCRA ). 

Over the last 60 days, I have filed multiple CFPB complaints against XXXX, including : CFPB Case # XXXX CFPB Case # XXXX CFPB Case # XXXX CFPB Case # XXXX CFPB Case # XXXX Across all of these cases, XXXX has demonstrated a pattern of FCRA violations, including : Re-inserting previously deleted addresses without providing the required notice under FCRA 1681i ( a ) ( 5 ) ( C ).

Failing to conduct an independent reinvestigation of disputed information under FCRA 1681s-2 ( b ).

Reporting inaccurate public record information in violation of FCRA 1681e ( b ).

New Specific Evidence : The official bankruptcy court record lists my address as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, however, is reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Key problems : The street name in the court record is spelled " XXXX '' ( XXXX ). XXXX altered it to " XXXX '' without disclosing the change. 
XXXX omitted the directional marker " XXXX '' that is present in the court record. 
XXXX rearranged the apartment/unit number from " XXXX  XXXX '' to " XXXX XXXX XXXX XXXX XXXX Because XXXX altered material facts from the official court record, they can not reasonably claim to have verified the bankruptcy as belonging to me. 

Violations : Altering a public record without disclosure violates FCRA 1681e ( b ) ( failure to ensure maximum possible accuracy ).

Failure to notify me of address reinsertion violates FCRA 1681i ( a ) ( 5 ) ( C ).

Failure to independently verify bankruptcy information violates FCRA 1681s-2 ( b ).

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 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
Santander purported that they had agreed to dispute the transaction with the merchant and that I would not be responsible for the transaction while the dispute process took place.

That did not happen. Rather instead Santander, claimed that they had put the dispute process in in place when they actually did nothing but give " lip service ''.

The amount is still being reported as owed and no temporary credit was issued, and my balance remains the same.

Santander is failing to conduct the investigation and is in violation of FCPRA regulations.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian is reporting inaccurate information on my consumer profile

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 2025-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I sent a letter through the CFPB to address an issue and all I received was a generic response. I believe this to be a stall tactic and I don't believe they attempted to address my complaint. I'm attaching what I received from them as a response to my letter sent through the CFPB. 

I asked for a XXXX to file the account that the company listed on my report as a profit loss.. 
I also asked for the date of last delinquency according to their records.. 

All I received was quote : " We carefully reviewed your request and the information available to us- this could include information from you and/or within the account details. 

All of the account details we reported are accurate We have completed our research and consider your dispute resolved '' THIS HAS ABSOLUTELY NOTHING TO DO WITH WHAT I REQUESTED. THIS COMPANY DID NOTHING TO EVEN ATTEMPT TO ADDRESS MY COMPLAINT AND IS ATTEMPTING TO STALL OR NEGATE TO DO ANYTHING RESOURCEFUL ACCORDING TO MY RIGHTS THROUGH THE FCRA. 

My next step if this information isn't granted is to contact the IRS and report fraudulent activity from Bank of America due to improperly reporting a charge off account on my consumer report and file suit for violating my consumer rights. This is my final attempt to address this matter...

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