vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: IN

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have 15 inquiries on my credit report that I did not authorize these are unauthorized credit reports I mean unauthorized inquiries on my credit report that I did not authorize according to the fcra Federal Credit Reporting Act legally these unverified and unauthorized items must be removed and so I have written a letter to the credit bureau and I'm attaching a copy of this complaint with the reference number for them to please remove it I have a fraud alert set up on all three of my credit bureaus and no one is contacting me when my credit is being ran so I would like for this to be corrected be removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have 15 inquiries on my credit report that I did not authorize these are unauthorized credit reports I mean unauthorized inquiries on my credit report that I did not authorize according to the fcra Federal Credit Reporting Act legally these unverified and unauthorized items must be removed and so I have written a letter to the credit bureau and I'm attaching a copy of this complaint with the reference number for them to please remove it I have a fraud alert set up on all three of my credit bureaus and no one is contacting me when my credit is being ran so I would like for this to be corrected be removed from my credit

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I got this loan back in 2021. As a single mother I fell into hardship. Stopped making the payments. I joined a debt consolidation program. XXXX was not included for some reason. I reached out to XXXX for ways to pay but come to find out their apr is 64 %. That violates the usury laws. They are predatory lending. Interest still going up. They were notified by debt consolidation company that i was going through hardtimes and they didn't care nor stopped the loan for them to try and settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: National Credit Systems,Inc.
State: TN

Complaint narrative:
The reason for our letter and complaint today is regarding the illegal behavior of the above apartment complex. The complex engaged in illegal investigation of XXXX XXXX from the office of the XXXX at the time. XXXX XXXX had just lost his job at XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ) during Covid, which was a substantial reason to legally break the apartment contract, a condition XXXX XXXX satisfied. 

A bystander from a local church visited the office and spoke with the XXXX to obtain information about XXXX XXXX. The XXXX provided not only the information requested but also details about his family. This individual then called XXXX XXXX brother, a cardiac patient, causing unnecessary stress which resulted in him spending a week in the hospital. Phone numbers, times, and dates of these calls are on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I complained to the you, Consumer Financial Protection Bureau about them holding funds for 60 days. 
XXXX Now, since I complained to you, They're closing all my accounts, and they still hold over {$5000.00} of my money. 

I am beyond livid. 
Are they allowed to do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: RFNA, LP
State: GA

Complaint narrative:
I HAVE A XXXX  XXXX XXXX THAT WAS BEING FINANCED WITH XXXX XXXX XXXX XXXX, AND MY PAYMENT WITH XXXX  XXXX WAS {$360.00} A MONTH. MY CAR NOTE PAYMENTS WERE DUE ON THE XXXX OF EVERY MONTH WITH XXXX  XXXX. I APPLIED FOR A LOAN of XXXX THROUGH REPUBLIC FINANCE BECAUSE MY NEICE COMMITTED SUICIDE AND MY BROTHER HAD ISSUES PAYING FOR HER FUNERAL, SO I HAD TO APPLY FOR A LOAN TO HELP HIM WITH THE PAYMENT. I APPLIED FOR A LOAN THROUGH REPUBLIC FINANCE IN THE AMOUNT OF {$4000.00}, THEN I WAS APPROVED FOR THE LOAN IN THE AMOUNT OF XXXX, AND THE XXXX STIPULATION WAS THAT THEY WOULD PAY OFF MY 2016 XXXX XXXX, WHICH I OWED {$10000.00} OR SOMTHING LIKE THAT TO XXXX  XXXX XXXX, REPUBLIC FINANCE WILL REFINANCE MY CAR LOAN XXXX  XXXX XXXX AND INCLUDE THE {$4000.00} IN THE CAR LOAN MAKING IT {$15000.00} OR SOMETHING LIKE THAT AND THE PAYMENT WITH EVERYTHING INCLUDED FEES {$500.00} A MONTH I AGREED TO THE TERMS AND AFTER REALIZING THEY NOT REPORTING THE LOAN AS A CAR LOAN NOTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am disputing multiple overdraft fees charged to my account between XXXX XXXX XXXX. The most concerning is the {$36.00} fee charged on XX/XX/XXXX, after a paycheck of {$480.00} was deposited and my balance was positive. Despite this, the fee was still applied while only pending charges existed. 

In total, I was charged overdraft fees on : XX/XX/XXXX ( {$36.00} ) XX/XX/XXXX ( {$36.00} ) XX/XX/XXXX ( XXXX x {$36.00} = {$72.00} ) XX/XX/XXXX ( {$36.00} ) Key facts : XX/XX/XXXX : My deposit clearly posted before any of the pending charges cleared. 
Screenshots show a positive available balance with red warning text saying funds were held due to a hold or other adjustments, which resulted in fees being assessed. 
This suggests the bank intentionally withheld access to available funds in order to trigger and justify overdraft fees. 
I attempted to email the bank, but was unable to reach them via the provided channels. 

Additionally, on XX/XX/XXXX, a Web Authorized Payment to Possible Finance for {$58.00} appeared as a pending charge. I do not recognize or recall authorizing this transaction. This may be fraudulent and contributed to the overdraft fee applied that same day. 

These actions feel predatory and manipulative, especially for consumers actively trying to maintain their accounts.

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 2025-04-24 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-24 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: DC

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 2025-04-24 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: WY

Complaint narrative:
Name : XXXX XXXX XXXX XXXX social security # # XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX, Wyoming XXXX. The reason for my complaint is Equifax credit bureau and TransUnion credit bureau is reporting inaccurate/inconsistent information on my credit report I have disputed this account several times and they keep reporting inconsistent inaccurate information after I have disputed this account more than XXXX finally deleted after the XXXX dispute.but Experian and Equifax keep violating my rights under the fair credit reporting act. According to ( 15 usc 1681s-2 ) a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.i am providing proof copy of this account on my most recent credit report XX/XX/XXXX the pictures I'm attaching reflectbseveral discrepancy on the following account. XXXX XXXX XXXX XXXX XXXX account # XXXX  balance of {$6700.00} the open dates on both transunion and Equifax are the same XX/XX/XXXX XXXXbut the date of last activity on Equifax XXXX XX/XX/XXXX and Experian XXXX XX/XX/XXXX the account status on Equifax reflects it being XXXX and Experian reflects the account being closed.on Equifax it reflects the term service as not provided and on Experian it reflects provided.also the there is no payment history on Equifax and on Experian XXXX has XXXX late payments.finaly on Experian it reflects the most recent adverse rating as charge off and on Equifax the most recent XXXX rating is no data provided.from my understanding everything has to be XXXX  XXXX accurate and that is not the case in regards to XXXX XXXX XXXX on Experian and my Equifax credit report.please investigate this account and delete immediately because it is stopping me from getting an apartment because of an eviction on my credit report.this account was paid in full because of COVID XXXX the government paid the entire years rent for me.i also was going threw XXXX at this time.ibwas diagnosed with stage XXXX XXXX in XXXX of XXXX XXXX XXXX has been deleted from my transunion credit report but Equifax and XXXX do a proper XXXX in regards to this account.please help me correct/delete this inaccurate account from my Experian and Equifax credit report as soon as possible so XXXX can get an apartment an have a place to live. Thank you kindly for your help.

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 2025-04-24 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: MI

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts and inquiries consist of A collections account from XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX * * Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A Collections Account and the following inquiries A collections account from XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX * * These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( 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 2025-04-24 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: MD

Complaint narrative:
XXXX XXXXXXXX XXXX has been reporting a fraudulent installment account on my credit file, account number : XXXXXXXX XXXX XXXX XXXX XXXX  This account is a result of fraud and is illegally reporting inaccurate information on my 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 non-monetary relief
Consumer complaint received 2025-04-24 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: SC

Complaint narrative:
I am victim of identity theft and these account does not belong to me. These acounts are not mine and was not authorized by me : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account 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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Incorrect Name : - XXXX T XXXX - XXXX XXXX XXXX XXXXIncorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX-Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support 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 explanation
Consumer complaint received 2025-04-24 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: SC

Complaint narrative:
I am victim of identity theft and these account does not belong to me. These acounts are not mine and was not authorized by me : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account 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 2025-04-24 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: SC

Complaint narrative:
I am victim of identity theft and these account does not belong to me. These acounts are not mine and was not authorized by me : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 15 USC 1681.

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 seven 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 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