vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: CA

Complaint narrative:
I am a victim of identity theft and am disputing XXXX fraudulent XXXX XXXX accounts XXXX and XXXX that are reporting inaccurately across Experian, XXXX, and Equifax. 

I previously disputed these accounts and they were removed, but they have now either remained or been reinserted improperly without notice, violating my rights under the Fair Credit Reporting Act ( FCRA ).

Specific violations include : FCRA 605B : I submitted identity theft information, and these accounts must be permanently blocked within 4 business days upon receipt.

FCRA 611 ( a ) : There was no reasonable reinvestigation, and the bureaus failed t
o delete inaccurate information after my disputes.

FCRA 611 ( a ) ( 5 ) ( B ) : Reinsertion of previously deleted XXXX XXXX accounts without providing written notice within XXXX business days is a direct violation. 
FCRA 609 ( a ) ( 1 ) ( A ) : No signed contract proving I opened these accounts has ever been produced despite my demand for verification.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing of inaccurate information is forbidden, yet XXXX XXXX continues to report fraudulent data. 
FCRA 1681s-2 ( b ) : After being notified of the dispute by the credit bureaus, XXXX XXXX XXXX XXXX conduct a proper investigation and correct or delete the inaccurate information. 

I have attached supporting documentation including my official XXXX police report ( # XXXX ) and screenshots showing the fraudulent accounts still appearing. 

These XXXX XXXX accounts are fraudulent, harmful, and continue to impact my credit standing. 

I demand immediate and permanent deletion of both XXXX XXXX accounts from Experian, XXXX, and Equifax.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$640.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XXXX XXXXXX/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 2025-04-27 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: PA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
Barclay credit company failed to request proof of the fraudulent charge from me the user. Barclay failed to obtain proof of authorization from the merchant. I cancelled services with the merchant XXXX XXXX on XX/XX/year>. I have an email as proof. I was not able to cancel my account using the XXXX XXXX online portal. There is an option to cancel but due to predatory business practices you receive an error and instead of being able to cancel you must email the company and request assistance from a representative. Bench accounting does not receive phone calls even though a phone number is listed. On XXXX XXXX the merchant XXXX XXXX  notified me via email that they ceased operations due to financial trouble and told me to seek services elsewhere. My credit card was charged without my approval and consent as required on XXXX XXXX. Over XXXX months after I cancelled and over XXXX  months after they notified me they closed there business and ceased operations. They used my card without consent. I did not 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 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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Since 2018, there have been false records reported on my credit reports. These accounts and/or derogatory marks do not belong to me, and I have never authorized or opened these accounts. I have attempted to dispute the inaccurate information with the credit reporting agencies, but the false records have not been properly investigated or removed. As a result, my credit score and financial opportunities have been negatively affected for years. I am requesting the immediate removal of all inaccurate information, full restoration of my credit file, correction of my credit score, cessation of any related collection activities, and written confirmation of these actions.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

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: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: KY

Complaint narrative:
ON XX/XX/2023, I CONTACTED THE BANK PRIOR TO DEPOSITING A THIRD-PARTY CHECK. TO GET VALIDATION THAT THEY WOULD IN FACT ALLOW IT TO BE DEPOSITED INTO MY ACCOUNT IN THE AMOUNT OF {$19000.00}. I WAS TOLD BY THE BRANCH MANAGER THERE WOULD NOT BE ANY ISSUES DEPOSITING IT INTO MY BUSINESS CHECKING ACCOUNT. IT WAS A XXXX TREASURY CHECK THAT WAS SIGNED OVER TO ME AND UPON DEPOSITING THE CHECK INTO MY ACCOUNT ON XX/XX/2023, AT MY XXXX XXXX BRANCH I RECEIVED A RECEIPT STATING THE TOTAL AMOUNT DEPOSITED AND WOULD HAVE FULL ACCESS TO ALL FUNDS NO LATER THAN XX/XX/2023 IN THE AMOUNT OF {$19000.00}. AFTER THE ALOTTED TIME A FREEZE WAS PLACED ON MY ACCOUNT BY THE BRANCH XXXX UNTIL IT WAS EVENTUALLY CLOSED AS OF XX/XX/2023. ALL FUNDS IN THE TOTAL AMOUNT OF {$18000.00} WERE REMOVED ON XX/XX/2023, I WAS TOLD THE FUNDS WERE PLACED IN A SEPERATE ACCOUNT CREATED BY THE BRANCH XXXX IN WHICH I NEVER HAD ACCESS TO. I HAVE REQUESTED THE FUNDS BE RELEASED TO ME MULTIPLE TIMES AND WERE TOLD THEY WERE SENDING THEM BACK TO THE XXXX TREASURY. HOWEVER, THE FUNDS WERE NEVER SENT BACK TO THE XXXX TREASURY. AT ALL. OVER XXXX MONTHS LATER I CONTACTED US BANK AGAIN REQUESTING THE REMAINING BALANCE BE SENT TO ME I GET THE RUN AROUND FROM MANAGER TO MANAGER. WHEN I ASK TO FILE A COMPLAINT AGAINST THE BRANCH I GET TOLD THERE IS NO ONE I CAN CONTACT TO FILE A COMPLAINT, NO CUSTOMER SERVICE PHONE NUMBER OR WEBSITE I CAN USE TO FILE A FORMAL COMPLAINT. I STILL HAVE THE PAPERWORK FROM OPENING MY BUSINESS CHECKING ACCOUNT, I HAVE THE RECEIPT FROM THE CHECK DEPOSITED ON XX/XX/2023 AND I HAVE THE BANK STATEMENT OF WHEN MY ACCOUNT WAS CLOSED AND ALL FUNDS WERE REMOVED FROM MY ACCOUNT WITHOUT MY AUTHORIZATION, APPROVAL OR KNOWLEDGE.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Capital Management Services, LP
State: NJ

Complaint narrative:
To : CFPB Complaint Submission Portal Subject : Credit Card Charge-Off XXXX XXXXXXXX XXXX My name is XXXX XXXX XXXX and I am writing to dispute a charged-off credit card account with XXXX XXXX XXXX in the amount of {$3100.00}. 

Account Info : Creditor : XXXX XXXXXXXX XXXX Account # : XXXX Subscriber Code : XXXX Phone : ( XXXX ) XXXX Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX This account was created and misused during a period of financial abuse by my ex-husband. Before experiencing XXXX XXXX I was in order with my financial behavior and this credit card was my only credit card, and he later abandoned me with all the debts and responsibilities of my children. I lost everything, I was evicted, car repossessed, get in a mental health institution and became homeless. 

I am now a single mother starting over, and this account is negatively impacting my ability to find stability. 

I respectfully request : - A full review of the account - Removal or a statement noting financial abuse and hardship - Compassionate consideration of my current circumstances Thank you sincerely for your attention and care.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
on XX/XX/year>, XXXX XXXX  instructed his team of department of government efficiency ( DOGE ) to gain access to multiple internal systems within the department of education, including financial aid database that contains the personal information of millions of students enrolled int he federal student aid program. my information was among that dataset that has been compromised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report resulting from identity theft, the issue remains unresolved. The inclusion of these unauthorized items has profoundly impacted my life, causing significant stress and anxiety while damaging my financial standing and opportunities.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

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: 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: MS

Complaint narrative:
Subject : Final Demand for Immediate Deletion Due to Multiple FCRA and Metro 2 Violations Account # XXXX Dear XXXX XXXX XXXX XXXX, This letter serves as my final written notice regarding your unlawful reporting practices related to my account # XXXX. 
Violations Identified : * You have reported the account as " Charged Off '' beginning XX/XX/XXXX, yet continue to show a past due balance of {$12000.00} as of XX/XX/XXXX. 
* You continue to update the tradeline monthly with a " CO '' ( Charge Off ) status, even years after the initial charge-off date. 
* You report an inconsistent balance where {$11000.00} was allegedly written off, yet an inflated {$12000.00} past due is still listed. 
* Your reinvestigation processed in XX/XX/XXXX failed to correct these blatant inaccuracies, a violation of your obligations under 15 U.S.C. 1681i.

Governing Law Violations : * 15 U.S.C. 1681s-2 Furnishing information known to be inaccurate or misleading.

* 15 U.S.C. 1681i Failure to properly investigate and correct disputed information.

* Metro 2 Compliance Guidelines Improper coding of charged-off accounts and ongoing inaccurate monthly updates. 
Demands : * Immediate full deletion of Account # XXXX from all consumer reporting agencies. 
* Immediate cessation of all future reporting related to this account.

Notice : If you fail to delete the account and confirm correction in writing within 15 calendar days of receipt of this letter, I will proceed to : * File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and Texas Attorney General 's Office.

* Initiate a private right of action for actual, statutory, and punitive damages under 15 U.S.C. 1681n and 1681o. 
You are now on legal notice. 
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 2025-04-27 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: IN

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

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 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 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Today, XX/XX/year>, marked the second time when I was unable to redeem my {$15.00} XXXX rewards certificate from my XXXX XXXX card at XXXX. When trying to use it at XXXX registers or checkout lanes, both the cashier and I got a message insufficient funds on the certificate. Please see a copy of the certificate in question, attached. It appeared on my XXXX XXXX statement that closed on XX/XX/year>, shows validity from XX/XX/year>, and I attempted to use it on XX/XX/year>, to no avail. Please also see attached my full statement closed XX/XX/year> where this cashback rewards certificate appeared, as well as my California XXXX for security and verification purposes.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I DOWNLOADED MY CREDIT REPORT AND NOTICED FRAUDULENT ACCOUNTS AND HARD INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report that are completely unassociated with me. These unauthorized inquiries have caused significant mental and financial distress, preventing me from purchasing my dream house and adequately providing for my family 's needs. As a victim of identity theft with documented evidence submitted to the Federal Trade Commission, I now find myself with no alternative but to consider legal action if this matter is not appropriately addressed.

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