vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Continental Finance Company, LLC
State: UT

Complaint narrative:
I was a victim of fraud. Was alerted through credit bureau that a hard credit hit occurred. Contacted Continental Financial, they informed me card would not be issued and request canceled ; created fraud case XXXX and submitted ftc report. Now three weeks later I receive email notification that the card was activated and being used- DESPITE MY REPORTING fraud three weeks earlier and being assured card was closed!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: KY

Complaint narrative:
Someone has used my account without my permission or concent... I have contacted support a few times about the situation and they have done nothing about it... They had a data breach and leaked all my data on the dark web... I mean all my information and data... I mean all my data, address, social security number, phone number, date of birth, everything... I have received so many emails of cars in my name and different things that I have never purchased or even tried to... They didn't do anything about it and still haven't.. I should get a total refund of all my money and pain and suffering because it has caused me so many problems...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
I have tried to contact Equifax about my account. 
When I contact them via phone they say that they can't find a reason why I can't access my account. That emails are correct. SSN is correct, but every time I try to recover the account. I says that the information does no match what I put in. But if trying to register that my SSN is all ready on an existing account. No resolution has been given.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Acct XXXX  XXXX Acct XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I called and asked for a postponement/deferral in my payment. When I spoke with the representative she stated that she would postpone my due date for XXXX  XXXX  and have my account reset to current. The next week I had received credit alerts that my student loan accounts were reflecting delinquent and after reviewing my report my was not only reflecting XXXX  day lates, but my score also dropped about XXXX points! I called Nelnet around XXXX to see what happened. The representative that I spoke with stated that my forebearance was entered on XXXX. I explained to her that I called on XX/XX/year>, why would that take so long, when its usually done with within a day. I didn't ask for a forbearance as I am out of those, just a deferment Even she didn't understand why it took so long and she entered a credit dispute on my behalf. Today XX/XX/year>, i received a letter that they are reporting accurately! How, when I called and made my request in time? If this was a process that would have taken longer than a day, it should have been explained to me that I needed to make a payment to prevent this. I would have tried to borrow the money or something as I would have had time, but knowing everyone is struggling in some way, I tried to work with the company first. I am upset because my credit has been severely impacted as I work so hard to protect it and I wasn't provided with accurate information as a consumer. I am asking that my credit report with all XXXX credit bureau 's be corrected with late payments removed and my accounts are reported in good standing. This is a XXXX  credit impact to recover from, as I am trying to refinance my house and just over all rebuild from this, due do deficient information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Golden 1 credit union has had incorrect social for 5+ years, causing loan applications and credit card applications to be denied resulting in lowered credit score and difficulty building credit. When asked to resolve, they suggested I close my account, or bring in my social security card to correct. My social security card was physically present at the time the account was opened. Company couldnt even find me in their own system.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
AMEX advertises free acess to XXXX XXXX with XXXX XXXX  card. I called in advance of my flight on XX/XX/XXXX and again on XX/XX/year> and representatives continue to confirm I have access to sky lounge but when I tried to gain access I was turned away. Their website advertises XXXX annual visits but fails to clearly mention any exceptions. This is misleading and false advertising because it does not state exceptions appply. 
As a result I felt forced to close this account and forfeit any points I had acquired in the month that I had this account open which amounted to $ XXXX points

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Fidelity Properties Inc.
State: OH

Complaint narrative:
I was contacted by a representative from XXXX XXXX regarding an alleged XXXX  collection from a XXXX that I had last year ; I have been paying the provider directly for the bill and thought this sounded suspicious. When I asked for them to validate the information they refused to do so. I contacted the provider and was advised that they do not work with this company and that my account is in good standing and not to communicate with them, that it was likely fraudulent. They contacted me again and I told them to stop contacting me. The representative then became very hostile and XXXX  to send the police after me and said that my account would be referred to a lawyer ( its only a few XXXX XXXX  and is being paid monthly so this made no sense ). 

I dismissed the interaction as nothing to worry about until recently, when my credit monitoring service alerted me that a collection had been placed on my credit report. I immediately filed a complaint with the BBB and reported the situation and requested it be removed- the companys responses were extremely unprofessional and they have continued to refuse to remove the collection, even though they have openly admitted that they can not validate the debt. 

There are several other complaints against this company like mine and the replies are all very concerning it looks like this place is openly committing fraud against other people too and should definitely be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
CFPB Complaint Unauthorized Hard Inquiries by TransUnion Complainant : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Company Complained About : TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX Complaint Summary : I am filing this complaint against TransUnion for allowing unauthorized hard inquiries to appear on my credit report without my knowledge or written consent. These inquiries are negatively impacting my creditworthiness and violate my rights under the Fair Credit Reporting Act ( FCRA ). 

The following companies are listed as having accessed my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( duplicate entry ) I never applied for credit nor authorized these companies to pull my report. Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a report with permissible purpose, and that includes my explicit consent. I have requested documentation from TransUnion showing that I gave such authorization, and as of this filing, they have failed to produce any. 

Additionally, under 15 U.S.C. 1681i, I am entitled to a reinvestigation of any disputed information. I submitted a written dispute to TransUnion and demanded : A full investigation into the listed inquiries Verification documents proving I authorized these inquiries Immediate removal of any inquiry that lacks valid authorization Failure to remove these unauthorized inquiries or provide proof constitutes willful noncompliance under the FCRA. I reserve the right to pursue further legal action, including seeking damages under 15 U.S.C. 1681n and 1681o, for negligence and willful violations of federal law.

I am requesting that the CFPB require TransUnion to : Investigate these inquiries Remove any unverifiable or unauthorized inquiries Provide a written statement confirming the results of the investigation Please ensure TransUnion responds and complies with federal guidelines within the 30-day window required by law. 

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 non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$480000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Assent Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX regarding the inaccurate reporting of a secured credit card account ( Account No. XXXX ) that is negatively impacting my credit score and report. 

This was a prepaid/secured credit card account that I funded with {$200.00}. According to the creditors own correspondence, the application was submitted electronically on XX/XX/XXXX. However : I never received the physical credit card. 
I never activated or used the card. 
No purchases or cash advances were ever made. 
The only activity reported on the card consists of automatic annual or maintenance fees assessed by the creditor. 
Despite my lack of use and the prepaid nature of the card, late payment entries were reported to credit bureaus, severely harming my credit. 

This account should not be allowed to continue reporting derogatory marks when I never received, activated, or utilized the account in any way. I consider this to be : A violation of the Fair Credit Reporting Act ( FCRA ) for reporting inaccurate and misleading information. 
A possible violation of the Fair Debt Collection Practices Act ( FDCPA ) if fees or collections were pursued on a product I was never able to access. 
A deceptive and unfair billing practice under CFPBs UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) standard.

Resolution Sought : 1. Immediate deletion of the account from my credit reports ( XXXX, XXXX, XXXX  ).

2. Removal of all late payment notations.

3. Written confirmation that this account will no longer be reported.

4. Refund of any fees if charged against my prepaid balance without proper service delivery. 

Attached Supporting Documents : Copy of First Progress letter dated XX/XX/XXXX First and last billing statements showing no usage and only fees Summary of credit report impact ( optional if you have a copy ) I respectfully request the CFPB to investigate this matter and hold XXXX XXXX accountable for these practices.

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

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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