vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
XXXX cancellation of debt was filed with irs creditor did not supply documentation of 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 2025-11-21 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
A Barclays credit card account was opened in my name without my informed consent during a XXXXXXXX XXXX presentation in Arizona. The XXXX sales representatives, XXXXXXXX XXXX XXXXXXXX, explicitly told me : The form I was signing was NOT a real credit application It was ONLY a pre-qualification check It would NOT open a credit card It would NOT affect my credit score Nothing could be finalized without my approval These statements were false.

They submitted a real credit application, which resulted in : A hard inquiry An unauthorized credit card account A decrease in my credit score Stress and financial harm My signature was obtained through fraudulent inducement and misrepresentation, which invalidates any supposed authorization under the FCRA and TILA.

Barclays has since closed the account and opened a fraud case ( # provide case number ).

I am requesting that Barclays be required to : 1. Confirm the account is closed as fraud 2. Remove the hard inquiry 3. Delete all credit reporting 4. Provide written confirmation of these corrections This was an unauthorized and deceptive action and must be corrected immediately.

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 2025-11-20 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: MD

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-11-20 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: FL

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

Company 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 2025-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Concord Servicing Corporation
State: CA

Complaint narrative:
Issue : Concord Servicing is refusing to honor the transfer provisions of my solar loan agreement, preventing me from selling my home. They are demanding a full payoff even though my contract states I may transfer the loan to a new buyer who meets underwriting requirements. 

Details : My home is in escrow, and the buyer is ready to assume the solar loan originally issued by XXXX XXXX Concord Servicing, who took over servicing after XXXX bankruptcy, is refusing to process the transfer because they are in transition, and said I must pay off the loan to sell my home. 

This violates the contract. Section XXXX clearly states I XXXX transfer the loan with prior written consent if the buyer meets underwriting criteria and pays the {$250.00} transfer fee. There is no clause allowing Concord to block transfers or require payoff.

Concords refusal is : Breach of contract, Interference with a real estate transaction, Violation of federal servicing rules ( successor servicers must honor original terms ), Violating California consumer protection laws.

I am requesting that the CFPB require Concord Servicing to immediately process the loan transfer and stop obstructing my home sale.

Requested Resolution : Require Concord Servicing to honor the contract and process the loan transfer to the qualified buyer as allowed under Section XXXX of my agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: IL

Complaint narrative:
I am formally disputing several unauthorized hard inquiries that appear on my TransUnion credit report. These inquiries were the result of a security breach during the timeframe they occurred. No creditor contacted me to obtain my permission, nor did I authorize any of the following inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I have repeatedly contacted TransUnion regarding these inquiries, yet they were marked as accurate, which is incorrect. I was part of multiple security breaches, and my identity was compromised. A police report was filed regarding this identity theft : * * Police Report Number : XXXX * * Under the Fair Credit Reporting Act ( FCRA ), I am invoking my rights to have these unauthorized inquiries fully investigated and permanently removed. 
Applicable FCRA Sections & Violations : FCRA 604 ( a ) ( 2 ) & ( 3 ) : A hard inquiry requires direct written or verbal authorization from the consumer. I provided no such authorization.

FCRA 606 ( b ) : Consumers must be notified when investigative actions are taken. I received no notice.

FCRA 607 ( b ) : TransUnion must maintain maximum possible accuracy. Allowing unauthorized inquiries violates this obligation.

FCRA 611 ( a ) : Upon dispute, a reinvestigation must be conducted with actual verification. TransUnion verified these without contacting me or the creditors directly.

FCRA 615 : I have the right to be notified of adverse actions stemming from fraudulent activity.

I am requesting : 1. * * Immediate deletion * * of the unauthorized inquiries listed above.

2. * * Written confirmation * * of removal.

3. A full explanation of how these inquiries were verified.

I am also submitting this information to the Consumer Financial Protection Bureau ( CFPB ) as part of a formal complaint regarding TransUnions failure to properly investigate and remove fraudulent inquiries. 

I expect a full reinvestigation and correction within the legally required 30 days. 

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I request, pursuant to FCRA XXXX ( 15 U.S.C. XXXX ), 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 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 2025-11-21 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: IL

Complaint narrative:
I request, pursuant to FCRA XXXX ( 15 U.S.C. XXXX ), 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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 was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Late the evening of XX/XX/XXXX, I learned that my checking and savings accounts were listed as 'restricted ' on my banking app and I had no access to my funds. When I contacted USAA, I was sent to several different customer service reps who all told me that USAA had decided to 'terminate " their banking relationship with us and that the accounts were now in a 'credit only ' status. USAA will accept deposits/credits but allow NO funds disbursement for the next 60 days. They recommended that I open another bank account immediately and tell my XXXX monthly payroll depositors ( Social Security XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhat my account had been 'compromised ' and that I needed to immediately stop direct deposits and receive a paper check while USAA 's 60 day investigation took place. I was told that the fraud department had made the recommendation to close the accounts ; however, I have NO IDEA what would have caused my account to be considered 'fraudulent. ' I have had years of aggressive identity theft challenges and thought I had locked down everything possible to avoid issues in this area. Now, I'm wondering, if something else happened that I'm unaware of. I was told I could apply for an 'appeal '' to the fraud recommended decision to close our accounts ( we've been with USAA for XXXX years ) but that there was only a XX/XX/XXXX chance of that appeal working. In the meantime, we have NO MONEY, NO access to MOney, and are very terrified about what the next 2 months will bring. We've contacted both Social Security and XXXX and learned today that it will take XXXX full months to change the direct deposit to our new account at XXXX XXXX. In the meantime, USAA will receive XXXX months of our pay and hold it in limbo while they investigate " fraud. '' We opened new bank accounts with XXXX XXXX today, and had no issue opening accounts with them. I really don't understand what's happening but we know we can't wait 60 days for our money to live on. Please 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 non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I experienced an issue with capital one bank regarding credit account. 
After noticing the issue on XX/XX/XXXX, I contacted Capital One and XXXX  XXXX XXXX asking to remove these accounts from my report. The company responded on XX/XX/XXXX by phone ( talk with an agent ), but the issue is still unresolved. 

As of today, the problem continues because I cant open up any account with any bank institution. I am requesting that the company remove all negative information and comments that have to do with account mentioned since they werent opened by me. 

No personal information is included here, but I can provide identifying details if needed for the company to locate my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: AZ

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least XXXX days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 non-monetary relief
Consumer complaint received 2025-11-21 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: MO

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: RUSH COLLECTIONS AGENCY, CORP.
State: PR

Complaint narrative:
Today, XX/XX/XXXX I received a call from my employer regarding a lawsuit against me for a debt collector and that they requested to seize XXXX of my income. 

I called the collector and they barely gave me information regarding the alleged debt, they told me even though Intold them I didnt recognized the debt that I should go to the courthouse to fix that, because they are proceeding legally. 

I ask them to stop that income seize, they refused and threatened to a lawsuit. The alleged debt is from XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rubin & Rothman, LLC
State: MA

Complaint narrative:
I am submitting this complaint against Rubin & Rothman , LLC, acting on behalf of XXXX XXXX XXXX XXXX, for initiating a small-claims action in XX/XX/XXXX for a debt of {$5600.00} ( or any other amount ) which I did not incur and for which I never entered into or authorized any agreement. I am a victim of identity theft, and I am not the debtor of this account. The debt appears to be based on the fraudulent use of my personal information. UnderXX/XX/XXXX Chapter XXXX, Section XXXX, small claims procedure requires that claims be based on substantive law and properly supported ; the claim advanced by Rubin & Rothman lacks such support, and accordingly, the court must consider vacating or dismissing the matter. Additionally, 15 U.S.C. 1692e of the Fair Debt Collection Practices Act ( FDCPA ) prohibits unfair, deceptive, or abusive practices in debt collection, which Rubin & Rothmans actions seem to violate. 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ) requires that all information reported to credit bureaus be accurate, and Rubin & Rothmans actions have led to the continued reporting of inaccurate and fraudulent information regarding this debt. In addition, Massachusetts General Laws Chapter 93, Section 49 prohibits any creditor, attorney for a creditor, or assignee from collecting or attempting to collect in an unfair, deceptive, or unreasonable mannerwhich includes bringing suit on a claim one can not substantiateand Rubin & Rothmans actions appear to violate that statute. Massachusetts further imposes fair-debt-collection standards under 940 CMR 7.00 and related regulations, which require proper conduct in consumer debt collection cases. I am now taking formal steps to vacate this small claims action and am filing a police report to support my position. I respectfully request that the CFPB investigate Rubin & Rothman , LLC for pursuing this unjustified small claims lawsuit in Massachusetts, ensure that they cease their collection efforts, and require them to comply fully with Massachusetts small claims law, the FDCPA ( 15 U.S.C. 1692e ), and the FCRA ( 15 U.S.C. 1681e ( b ) ), as well as the states statutes governing fair collection practices.

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 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
I was part of XXXX  data breach someone stole my information open up a bank account with XXXX XXXX  and and now I'm in check system

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 2025-11-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm filing this complaint because all three of you credit bureaus can't seem to get your stories straight about this XXXX XXXX XXXX debt. Experian says it's account # XXXX for {$3300.00}, Equifax says it's account # XXXX for {$1900.00}, and TransUnion says it's account # XXXX. How can the same debt have XXXX different account numbers and XXXX different balances? That's not just inaccurate - that's mathematically impossible for a legitimate debt. 

Here 's the real problem : THIS ISN'T EVEN MY DEBT. I've never had any business with XXXX XXXX XXXX, never signed anything with them, and have no idea what this account is about. The fact that you're all reporting completely different information just proves this is a mixed file situation where someone else 's debt got put on my credit reports. 

You're all violating the FCRA by not maintaining reasonable procedures for accuracy. How can you call any of this accurate when you can't even agree on basic facts like account numbers and balances? When I've tried to dispute this nonsense, none of you properly investigated - you just verified information that's clearly wrong. 

I want this garbage deleted from all three of your systems immediately. Send me written confirmation that it's gone, and fix your broken systems so this doesn't keep happening to people. You're required by federal law to report accurate information, and this circus show is the exact opposite of accurate.

Company response to consumer: Closed with non-monetary relief