vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: WI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: WI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/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 non-monetary relief
Consumer complaint received 2025-06-26 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-26 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:
This is a formal dispute of several unauthorized accounts listed on my credit report. These accounts were not opened or approved by me and appear to be fraudulent. Their presence is erroneous and must be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
I am writing to formally request a detailed description of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, in accordance with 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification. 

Under this provision, I am entitled to a full explanation of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your responsibilities under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: IL

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 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 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 2025-06-26 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: IL

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 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 explanation
Consumer complaint received 2025-06-26 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. 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 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 XXXX  party involved. 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 2025-06-26 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: NY

Complaint narrative:
On XX/XX/, there was a charge in the amount of {$630.00} from XXXX XXXX XXXX XXXXXXXX, Texas, made to my Barclay Card, that was not made by me. I've written to Barclay Bank to request a correction, explaining that I did not make the purchase. The Barclay Bank responded that after the bank 's investigation, the charge was correct based on documentation supplied by the merchant. According to Barclay Bank the charge was for XXXX meal plans at {$45.00} per person. Despite the facts I've not been to XXXX XXXX is the past ten years, I'm an XXXX XXXX XXXX, single man with no family and would not of my own volition visit a theme park. Barclay Bank refuses to understand the error of the bank 's decision to side with the merchant. The Barclay Bank refuses to credit my account for this fraudulent charge of {$630.00}. Stolen credit card numbers are a significant problem in the credit card industry and fake transactions are a major problem executed at considerable expenses to the card companies and merchants that honor these fraudulent charges. I'm caught in the middle of this dispute. Barclay Bank and XXXXXXXX XXXX XXXX XXXXXXXX want someone to pay for this mistake and put the fraudulent charge on my credit card. I did not make this charge and I want a credit in the amount of {$630.00} issued to my Barclay Bank as soon as possible.

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 2025-06-26 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-26 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: IL

Complaint narrative:
I am writing to formally request a detailed description of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, in accordance with XXXX XXXX. XXXX ( a ) ( XXXX ) Method of Verification. 

Under this provision, I am entitled to a full explanation of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within XXXX days of receiving this request, as required by federal law and your responsibilities under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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 am reaching out to dispute an unauthorized hard inquiry on my credit report. I have never applied for any form of credit that would justify such a pull, nor did I give any individual or institution consent to access my credit information.

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 2025-06-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Landmark Collection Services Inc.
State: VA

Complaint narrative:
I took out a loan at the end of XXXX for {$6500.00} bucks to pay all court ordered restitution. The money was XXXX stolen for me by a family member and I was unable to make the payment on my restitution. Now the course are garnishing my wages and I'm unable to sustain financial stability and it's facing a number of issues including repossession of automobiles eviction and other things. I've tried to explain this to landmark financial services and they keep calling my place of employment harassing me and ask him to talk to me when they have my phone number my employer stated that if they keep calling I could face consequences because I'm not supposed to have people calling. If I lose my job I go back to prison and if that happens then they will never get paid so what I'm trying to avoid is a conflict I don't want to go back but if I continue to allow them to follow up here I lose my job and that's going to make me get extremely upset.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-26 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date XXXX Account Name : XXXX XXXX XXXX XXXX - Date 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 2025-06-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing in response to the CFPB 's recent statement of interest in the XXXX  bankruptcy case, and I appreciate the Bureaus efforts to advocate for affected consumers. I would like to provide my personal account of the financial and emotional hardship I have endured due to the disruptions caused by XXXX XXXX XXXX and its affiliated partner banks and XXXX  XXXX. 

I was a customer of Juno, a XXXX XXXX that used XXXX XXXX XXXX  to facilitate banking services. My account was held at XXXXXXXX XXXX XXXX XXXX, and it was abruptly frozen around XX/XX/year>, without any prior notice or communication. 

At the time my account was frozen, I had approximately {$50000.00} deposited. Since then, I have only recovered {$11000.00}, and {$39000.00} remains inaccessible to this dayover a year later. 

This interruption has caused me significant hardship. Specifically : 1. I was unable to pay my rent, which resulted in eviction threats and immense stress.

2. The financial uncertainty contributed to intense anxiety and emotional distress.

3. During this time of instability, I also lost my job, further compounding the financial and emotional burden. 
4. Most significantly, my mother was XXXX XXXX XXXX around that same time. I urgently needed funds for her treatment, but due to the frozen account, I was forced to borrow money to cover her medical expenses, adding a painful emotional burden to an already devastating situation. 

I am not a venture capitalist or an institutional investorI am a retail consumer who trusted a financial product that was marketed as safe and FDIC-insured. No one should lose access to their legally deposited money because of behind-the-scenes failures between banks and middleware providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: PA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Regarding to a credit card was opened in my name and I never knew anything about it until just recently {$620.00} or {$630.00} was charged and I never received any notice of anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV Funding LLC just keeps adding ridiculous amounts to the actual credit card balance. They also are reporting the credit card open, when the credit cards were charged off. They continually keep adding interest. I have disputed these claims with XXXX and XXXX and nothing has been done. I dont believe this is legal to take a credit thats closed and claim it open to keep adding interest

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
They are slow of getting temporary credits in my account when i have bills to pay. I have sent over information and this is ridiculous. The customer service is lozy.

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 monetary relief
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
I am disputing a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: NC

Complaint narrative:
My recent review of my credit report revealed several accounts that I did not open or authorize. These entries are clearly fraudulent and have no connection to my legitimate financial history. I have never applied for or used the credit reflected in these 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 2025-06-26 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. 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 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 XXXX  party involved. 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 2025-06-26 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: 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. 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 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 XXXX  party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: NY

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Upon reviewing my credit report, I identified XXXX credit card accounts that were fraudulently opened or used without my authorization. I was unaware of this identity theft until now. XXXX of these accounts has already been placed in collections, and I have recently discovered an additional collection account now appearing on my credit file. 
These entries are unauthorized, inaccurate, and the direct result of identity theft. They have had a serious and unjustified impact on my credit standing. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2, 1681i, and 605B ), I respectfully request a thorough investigation and the prompt and permanent removal of all unverifiable and fraudulent information 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