vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
In XXXX I was looking at my credit report due to some credit cards being stolen from my purse at the XXXX XXXX where my husband had an LVAD placed to keep his XXXX pumping. I noticed on the credit report with Transunion that there were XXXX negative impacts on it. The one which was XXXX XXXX, was an account I opened in XXXX. However in XXXX I requested directly with XXXX XXXX to close the account over the phone. My reasoning was they would give me XXXX credit limit, and then XXXX credit limit and then the next month it would go back down to XXXX again which was hitting my credit reports negatively. So I personally over the phone requested the account be closed and I continued to make my payments till it was paid off, which was around XXXX. Once it was paid off I never thought about it again and never saw it on my reports will I checked in XXXX. I disputed this directly with Transunion said the information was accurate that was given to them. The issue is, it is accurate, I paid the account till paid off, and I personally requested it to be closed. Even XXXX acknowledges this and still it showing as a negative impact due to what?? Because I closed it, I didn't miss payments and did pay it off and I thought that was the end of it till XXXX. I am so frustrated because every time, I provide 100 % verifiable evidence for disputes, and in this case, there is not one single reason this XXXX impact should even be on there, Transunion keeps it on my reports so here I am again, contacting you all which I hate trying to get help because despite it not be a negative account ever, and despite it even showing that XXXX XXXX shows I requested it to be closed and that I paid as agreed, somehow it still sits there bringing my score down. I am sorry for having to file again with you over another issue but I don't know what else to do. I tried contacting XXXX customer service and they don't even show I have ever had an account, so they supposedly can not send me any records. So, this was never a negative account on my part. I closed the account on my own because of the up and down credit offers which if I didn't use would be dropped and then show up on my credit in a negative manner. So I decided it seemed deceptive and closed it and paid it off completely.

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 2025-06-28 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number Last XXXX : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax 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 Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese 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 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 2025-06-28 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: MI

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number Last XXXX : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax 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 Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese 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 2025-06-28 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Request to Block Fraudulent Information under 15 U.S.C. & 1681c-2 ( Identity Theft ) Dear Equifax, Experian and Transunion I am contacting in pursuant to 15 U.S.C * 1681 c-2 of the Fair Credit Reporting Act to formally request the IMMEDIATE blocking and removal of all fraudulent information resulting from Identity theft that appears in my credit report.

I am a victim of Identity theft. and I have included the following documents A copy of the FTC Identity theft report.

Copy of photo ID also showing current and valid address.

A copy of a bill. A list of all the fraudulent accounts on my report.

A POLICE report is not REQUIRED and I demand deletion within 4 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts mentioned above were opened and used fraudulently without my knowledge or consent. Again in accordance to 15 U.S.C 1681 c-2 I am demanding you block all this information from my credit report within 4 business days of receiving this request.

Please confirm in writing that these items have been blocked and removed from my credit 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 2025-06-28 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: UT

Complaint narrative:
US bank wrongly charged interest to a credit card statement that was under a XXXX XXXX  interest promotional program. When calling, I spoke with a representative who said they were unable to remove the interest because they did not have authority to do so. However, to " undo '' the charging of the interest they would add {$50.00} to the rewards on the account to make up for it. They said it woul dbe available within XXXX billing statements which was by the beginning of XXXX. I called on XXXX separate occasions during XXXX to ask about it and each time they said it would be another XXXX days. It is now the end of XXXX XXXX and the rewards has still not been posted and instead they charged the interest again. When I call I can only get through a fraction of the times because the automated menu doesnt work and the wait times are too long. It is very clear that US Bank is now making their money by wrongly charging interest and then placing roadblocks in the way of customers trying to get in touch with customer service, in hopes the customers give up. This is shameful theft.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX, I disputed a charged-off account from XXXX XXXX XXXX that appears on my credit report. The account shows a balance of {$4300.00} with a charge-off of {$3400.00}, last updated in XX/XX/XXXX. I contacted both Experian and the creditor to request full validation of the debt, including a signed contract and proof of ownership. Despite multiple attempts, I have not received any documentation validating this debt. 

The account is marked as " Item Disputed by Consumer, '' but it continues to report negative payment history, including incorrect XXXX XXXX late notations over multiple years. Additionally, the account was closed at the creditors request, not due to consumer default, which further questions the accuracy of the status reported. 

This unresolved and unverified account is negatively impacting my credit score and financial opportunities. I am requesting a formal investigation and a resolution in compliance with the Fair Credit Reporting Act ( FCRA ).

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In XX/XX/XXXX, I disputed a charged-off account from XXXX Bank Delaware that appears on my credit report. The account shows a balance of {$4300.00} with a charge-off of {$3400.00}, last updated in XX/XX/XXXX. I contacted both Experian and the creditor to request full validation of the debt, including a signed contract and proof of ownership. Despite multiple attempts, I have not received any documentation validating this debt. 

The account is marked as " Item Disputed by Consumer, '' but it continues to report negative payment history, including incorrect XXXX XXXX  late notations over multiple years. Additionally, the account was closed at the creditors request, not due to consumer default, which further questions the accuracy of the status reported. 

This unresolved and unverified account is negatively impacting my credit score and financial opportunities. I am requesting a formal investigation and a resolution in compliance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: FL

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXX : XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Date : XX/XX/XXXX FTC Identity Theft Report Number : XXXX Subject : Complaint Regarding Identity Theft and Equifax Data Breach Impact on My Credit Report Dear CFPB, I am filing this formal complaint against Equifax, TransUnion, and Experian regarding fraudulent accounts and inquiries on my credit report, which I believe stem from the XXXX Equifax data breachone of the largest consumer data breaches in XXXX history. My personal identifying information was compromised, and I have since become a victim of identity theft. 

I submitted an FTC Identity Theft Report ( Report # XXXX, attached ) documenting the following fraudulent activity : Fraudulent account : XXXX XXXX XXXX Fraudulent inquiries : XXXX XXXX XX/XX/XXXX EXETER FIN XX/XX/XXXX These accounts and inquiries do not belong to me, and I never authorized them. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to block fraudulent information from appearing on my credit report. I formally requested both TransUnion and Experian to remove the unauthorized accounts and inquiries based on my FTC Identity Theft Report, but the information remains, violating my consumer rights. 

Furthermore, under FCRA 1681s-2 ( a ), data furnishers are prohibited from reporting information they knowor should knowis inaccurate. By continuing to report these accounts, both the CRAs and furnishers are in violation of their legal obligations.

This identity theft has caused me financial harm and emotional distress. I request the CFPBs immediate intervention to : 1. Compel Equifax, Experian, and TransUnion to remove all fraudulent accounts and inquiries listed in my FTC report. 
XXXX. Investigate how Equifaxs breach allowed this identity theft to occur and ensure they comply with enhanced consumer protection measures. 
XXXX. Enforce my rights under FCRA, FACTA, and the Consumer Financial Protection Act of 2010.

Please let me know if additional documentation is needed. I appreciate your support in resolving this serious 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 explanation
Consumer complaint received 2025-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Someone stole my identity and used it to open multiple fraudulent accounts in my name. I did not authorize these accounts, and I have never had any relationship with the companies reporting them. As soon as I discovered the activity, I filed an identity theft report with the FTC, submitted a complaint to IC3 ( FBI Internet Crime Complaint Center ), and placed fraud alerts with all three credit bureaus. 

Despite providing Experian, TransUnion, and Equifax with documentationincluding my FTC report, IC3 complaint, and proof of identitythe fraudulent accounts remain on my credit report. I am now requesting that the CFPB intervene to ensure these items are permanently removed under the FCRA Section 605B, which provides identity theft victims the right to have fraudulent accounts blocked.

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 2025-06-28 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: AL

Complaint narrative:
Someone stole my identity and used it to open multiple fraudulent accounts in my name. I did not authorize these accounts, and I have never had any relationship with the companies reporting them. As soon as I discovered the activity, I filed an identity theft report with the FTC, submitted a complaint to IC3 ( FBI Internet Crime Complaint Center ), and placed fraud alerts with all three credit bureaus. 

Despite providing Experian, TransUnion, and Equifax with documentationincluding my FTC report, IC3 complaint, and proof of identitythe fraudulent accounts remain on my credit report. I am now requesting that the CFPB intervene to ensure these items are permanently removed under the FCRA Section 605B, which provides identity theft victims the right to have fraudulent accounts blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: NY

Complaint narrative:
It was originally disputed with discover bank that the data points are off regarding said account and discover bank failed to do a reasonable investigation nor mention anything about the data points in their response, you will find that proof of discover banks response as well as a dispute letter attached. 

XXXX XXXX  issued IRS Form 1099-C for cancellation of debt related to this account. This form, under federal tax law, reports canceled debt as income, signifying that the creditor has XXXX the balance and no longer intends to collect it. Consequently, the issuance of a 1099-C is not just a tax eventit is a clear indication that the debt has been legally canceled.

Courts have repeatedly ruled that once a 1099-C is issued, the creditor can not simultaneously treat the debt as both canceled ( for tax purposes ) and collectible or delinquent ( for credit reporting or collection purposes ). Continuing to report a balance due after issuing a 1099-C violates the Fair Credit Reporting Act ( FCRA ), as it misrepresents the true legal status of the account and damages my creditworthiness unfairly.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
It was originally disputed with discover bank that the data points are off regarding said account and discover bank failed to do a reasonable investigation nor mention anything about the data points in their response, you will find that proof of discover banks response as well as a dispute letter attached. 

XXXX XXXX  issued IRS Form 1099-C for cancellation of debt related to this account. This form, under federal tax law, reports canceled debt as income, signifying that the creditor has XXXX the balance and no longer intends to collect it. Consequently, the issuance of a 1099-C is not just a tax eventit is a clear indication that the debt has been legally canceled.

Courts have repeatedly ruled that once a 1099-C is issued, the creditor can not simultaneously treat the debt as both canceled ( for tax purposes ) and collectible or delinquent ( for credit reporting or collection purposes ). Continuing to report a balance due after issuing a 1099-C violates the Fair Credit Reporting Act ( FCRA ), as it misrepresents the true legal status of the account and damages my creditworthiness unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: Kikoff Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. A fraudulent account from Kickoff was opened in my name without my knowledge or authorization. I discovered this account reporting as a charge-off in XX/XX/year> on all three of my credit reports ( XXXX XXXX XXXX XXXX ) XXXX 

I have never applied for any account with Kickoff and have no relationship with them. My personal information was exposed in a national data breach, and I believe it was used to fraudulently open this account. 

I have filed an official FTC Identity Theft Report ( # XXXX ) and submitted it along with my ID and proof of address to the credit bureaus, requesting this account be removed under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). 

Despite this, the account is still harming my credit. I am requesting that Kickoff and the credit bureaus fully block and remove this account immediately as required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have, for probably more than a year, made multiple payments on multiple cards with them, showing myself to be an excellent customer yet they refuse to increase my credit limit. I even make more money then when they gave me the card. They are just discriminatory

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
On XX/XX/2025 I tried to update my telephone number on my Experian profile XXXX  times. Each time it would go through the entire verification process then claim there was an error in updating my number. They were refusing to update my account information while I was logged in. It kept requesting that I try again.

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 2025-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We are seeking compensation not only for the duplicate payment, but also for the distress and inconvenience caused by Chases documented failure to uphold a stop payment request we relied upon. We were explicitly told multiple times that the stop payment was in place, and Chases failure to honor that commitment caused real financial disruption. Not only that, but when calling to put forth a claim, the agent did not work with us to make sure it was submitted correctly.

Company response to consumer: Closed with explanation