vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: IL

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 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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I deposited a {$2500.00} cashiers check via mobile deposit on XX/XX/year> into my TD Bank savings account. The check was issued by the trustee/lawyer handling my fathers estate to assist with medical expenses and travel related to my XXXX. I had previously deposited a check from the same source in person to my checking account. 

When I opened the account, I explained it would be used to receive inheritance-related funds. Now TD Bank has placed a hold on this second check, stating only that its for safety reasons, and says funds wont be available until XX/XX/year> 9 days later. 

Mind you Id be returned from my medical appointments out of state by this date. 

Under Regulation CC, cashiers checks must be available by the next business day unless there is a valid reason for delay ( e.g., suspected fraud or account issues ), which has not been provided. Ive contacted the bank, but they refuse to release the funds or give a specific explanation. 

As a XXXX woman, I urgently need access to these funds for time-sensitive medical treatment and scheduled travel, which I now may have to cancel. The banks actions are causing financial and health-related hardship and appear to violate federal availability requirements for cashiers checks.

Im requesting a review of TD Banks handling of this deposit and for the funds to be released in accordance with federal banking regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: OH

Complaint narrative:
I sent Experian my FTC report on fraud. They stated they would delete the accounts within 4 days and they haven't. They haven't given me the information that I requested about the validity of the accounts. I've stated to them that the accounts are fraud that I haven't opened the accounts in my name. My name has been in 4 separate data breaches over the past 8 years. 1 with Equifax XX/XX/XXXX, 1 with XXXX XX/XX/XXXX, another 1 with XXXX  in XX/XX/XXXX, and recently with XXXX in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: OH

Complaint narrative:
I sent Experian my FTC report on fraud. They stated they would delete the accounts within 4 days and they haven't. They haven't given me the information that I requested about the validity of the accounts. I've stated to them that the accounts are fraud that I haven't opened the accounts in my name. My name has been in 4 separate data breaches over the past 8 years. 1 with Equifax XX/XX/XXXX, 1 with XXXX XX/XX/XXXX, another 1 with XXXX  in XX/XX/XXXX, and recently with XXXX in 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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : DEPTEDXXXX  Account number : XXXX Account name : DEPTEDXXXX 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 2025-06-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC
State: FL

Complaint narrative:
My vehicle was repossessed in Florida by XXXX XXXX XXXX acting on behalf of Wilshire Consumer Credit. 

I believe this repossession was unlawful for the following reasons : XXXX. Wilshire Consumer Credit is not licensed as a Title Loan Lender in the state of Florida, as required under Florida Statute XXXX. 
XXXX. I did not receive any legally required notices ( such as right to cure, intent to repossess, or right to redeem ). 
XXXX. I was denied immediate access to my personal belongings in the vehicle. 

XXXX XXXX XXXX performed this repossession from my property in XXXX, Florida on XX/XX/year>. 

This repo was illegal under Florida law, and I respectfully request that the CFPB investigate both the lender and the repo company, and help facilitate the immediate return of my vehicle and any improperly charged fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
This charge corresponds to an airline ticket purchase with XXXX. However, when I arrived at the XXXX airport on XX/XX/year> to check in for my flight, I was informed that my payment had not been processed and that there was no valid ticket issued under my name. I showed that the payment was pending on my account, but XXXX was unable to locate any reservation or transaction. 

As the boarding time was approaching, I had no choice but to purchase another ticket for the same flight, which cost {$720.00}. A few days later, the original {$680.00} charge also posted to my account, resulting in a double payment for one flight. 

I contacted XXXX and was informed, in writing, that they could not locate any transaction for the {$680.00} charge. I have attached emails confirming this. 

In addition to requesting the reversal of the {$680.00} charge, I would like to express my dissatisfaction with how American Express has handled this situation. I find it extremely frustrating and disappointing to be held financially responsible for a service that I did not receive, despite providing clear documentation and having made every effort to resolve this issue properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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. 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 : XXXX XXXX XXXX XXXX XXXX AZ XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} INQUIRIES : XXXX Date XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX 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 2025-06-12 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 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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: MN

Complaint narrative:
I discovered multiple unauthorized accounts, addresses, and hard inquiries on my credit report, which I did not initiate. These include derogatory collection accounts, false late payment reporting, and hard credit pulls without my permission. These items appeared following confirmed data breaches at major institutions including Equifax ( XXXX, XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others that exposed my Social Security number and personal data. 

I submitted formal disputes to the credit bureau and collection agencies requesting deletion and validation. Despite this, the accounts remain uncorrected or improperly verified. This violates the Fair Credit Reporting Act ( FCRA ), including failure to conduct a reasonable investigation and maintain accurate reporting. These inaccuracies continue to harm my creditworthiness and were never authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: FL

Complaint narrative:
I've followed all the rules deemed necessary in the Fair Credit Reporting Act inorder to inform all three major credit reporting agencies about these fraudulent accounts that they are reporting on my reports. Ive attached all documents needed multiple times and they have yet to block the above mentioned accounts. I'm asking for the deletion of these accounts as they are affecting my ability to get credit. 
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 non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS

Complaint narrative:
I banked with USAA and they closed both my checking, saving, and credit card out of nowhere. USAA is my main bank and where I keep all the money. They would not tell me the exact reason why it was closed and my money is stuck for 2 months. They said they would send me a check after 60 days of account closure. I have no money and bills to pay.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I sent an " Adverse Action Dispute and Request for Reconsideration '' letter to Citizens Bank whom denied me an extension of credit ( my own ) based on a reported 60-day delinquency from XXXX  or other consumer reporting agencies as their primary and only listed reason. This denial is unjustified and constitutes a violation of several consumer protection laws and financial regulation. According to the bank, my application does not allow me to request a specific amount for the extension, but generates an amount that I would be eligible for based off what appears to be a secret and unknown algorithm, which puts in an adverse and compromising position in itself. My application went through and was denied on XX/XX/XXXX of 2025. I responded with letters of dispute to the bank, the OCC, CFO as well as their credit department, after several in person attempts to resolve the matter which were received on or about XX/XX/XXXX. The OCC referred me to the CFPB. 
The bank is Citizens Bank, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
I was surprised to find a late payment listed on my account, especially given my consistent history of timely payments. This error is causing undue XXXX, and I kindly request that you correct my records promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting by Self Financial , Inc. ( also known as Self ). My credit report reflects late payments associated with my XXXX XXXX XXXX account. 
However, I have never received any documentation from Self showing I was actually late, nor have I been provided with a full payment history or proof of any delinquency.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have a right to dispute inaccurate or incomplete information, and the data furnisher must provide documentation that supports the accuracy of the reporting. Despite this, Self has failed to provide any documentation verifying these late payments.

In addition, I am requesting that Self provide the following : A complete payment history including due dates and payment dates.

Copies of any notices they claim to have sent notifying me of late payments.

The method by which they verified the accuracy of the reported delinquencies.

If Self is unable to provide evidence supporting the validity of these late pay its, I am requesting that they be removed from all credit bureaus to which they were reported ( XXXX XXXX, and XXXX ), as unverified and potentially inaccurate.

Please investigate this matter and ensure Self complies with all applicable federal consumer protection laws.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: AL

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 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 2025-06-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Waypoint Resource Group, LLC
State: CO

Complaint narrative:
This is not my debt. I dispute this many times this is not my debt.

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 2025-06-12 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: TN

Complaint narrative:
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

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 2025-06-12 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief