vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit. 
XXXX XXXX XX/XX/year> TRANSUNION XXXX XXXX XXXX XXXXXX/XX/year> TRANSUNION XXXXXXXX XXXX XXXX XXXX  EXPERIAN

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit. 
XXXX XXXX XX/XX/year> TRANSUNION XXXX XXXX XXXX XXXXXX/XX/year> TRANSUNION XXXXXXXX XXXX XXXX XXXX  EXPERIAN

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 2025-06-13 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: IL

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

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

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

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: U.S. BANCORP
State: CA

Complaint narrative:
I am writing to formally dispute a fraudulent account that appeared on my credit report. I did not open this account, I have no knowledge of it, and I never authorized it in any form. 

I am a victim of identity theft, and this account was opened without my consent. I have already filed an identity theft report with the FTC and notified the credit bureaus. 

Despite my efforts to resolve this, the fraudulent account still appears on my credit file. I am requesting the removal of this account from my credit report and a thorough investigation into how it was opened. 

Details of the fraudulent account : ELAN CACS CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$5900.00} Elan Financial - Credit Card I have also contacted the creditor and asked for supporting documentation, including any applications or contracts allegedly signed by 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 2025-06-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I got a email from Macy 's on XX/XX/XXXX at XXXX about a " fraud alert '' that somebody spent {$1500.00} with my Macy 's XXXX XXXX XXXX in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX device/equipment shipment center ). 

I called Macy 's right away and the guy that picked up said someone used my card once already, and WHILE we ( me and macy 's representative ) was on call, the person made ANOTHER purchase IN-STORE - so XXXX purchases total. So of {$2400.00} is the current balance on my Macy 's XXXX XXXX card. The guy said he will close my account and it did close. I asked if everything is solved now and he said everything is solved. So I thought everything was solved- Macy 's even sent a confirmation email that the current balance on my account was XXXX. 

Starting end of XXXX, Macy 's started emailing me about how my american express card 's statement is ready- they sent me a email on XX/XX/XXXX that my payment is due, and that my statment is ready on XX/XX/XXXX. 

I called Macy 's on XX/XX/XXXX XXXX am ( XXXX ) - got on call with their fraud department - about the emails I got. The lady told me about the XXXX fraudulent in-store purchases and asked me whether I have the card with me physically ( which I do ), and if there is anyone around me that could have spent my card- I told her no, she asked me if I've ever been to those places that the card was spent - so I told her I didn't. She said this will all get resolved within XXXX billing cycles, she told me to wait. We hung up. 

I had another long call with them on XX/XX/XXXX ( today ) because IT WAS NEVER RESOLVED WITHIN XXXX BILLING CYCLES. The lady that picked up the phone said they already sent " XXXX mails '' regarding the investigations of this fraudulent charges, but because i " didn't respond to the mails '' they just closed my case. Ridiculous, because those mails NEVER CAME. After a long frustrating call, she told me she will re-open the case and send me another mail WITHIN 30 DAYS ( so before XX/XX/XXXX ) regarding the results of the investigation. When I asked her what if the mail doesn't come again or the investigation " fails? '' she said she has no authority or ability to know. She told me to goto the local post office to find my lost mails HAHA. 

I do not think they have the capability or will to help me. I've seen so many other victims similar to mine online - and all of them pointed me to file a CFPB complaint because Macy 's won't do anything. My perfectly good credit scores have been plummeting down due to this fraudulent charge which is extremely upsetting. Please help 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 monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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 TILA US Code 1666B 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 ( FCBA ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: AZ

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
Consumer complaint received 2025-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
Ive been paying on my federal student loans for years, since approximately XXXX, and despite consistently making payments, my balance barely moved. The math never added up. I requested help and documentation from AidVantage, and their responses have been evasive, dismissive, and ultimately incomplete. 

After submitting a complaint I believed was going to the XXXX XXXX, I received a response from AidVantage themselvesthe very company I had raised concerns about. This is a clear conflict of interest, especially considering I have already submitted a XXXX XXXX application based on serious issues with both the XXXX XXXX  and the loan servicing. 

AidVantage eventually sent a payment history, but only after my complaint. It was the first time I saw certain transactionssuch as multiple internal transfers of the exact same amount ( {$2200.00} ) posted repeatedly on the same day ( e.g., XX/XX/XXXX ). These entries were never explained. I also observed several instances where my loan balance increased after a payment was madesomething that defies basic financial logic. 

I had specifically asked for : A full and accurate payment history An explanation of all internal transfers and adjustments A breakdown of how my payments were applied None of these requests were fully honored. The information provided raised more red flags than it resolved. 

Prior to filing the complaint, I emailed AidVantage multiple times asking for documentation and clarification. I received vague responses claiming the materials were mailed, but they refused to directly answer my questions. Eventually, they stopped responding entirely. Ive been trying to get transparency on my loans for years and have faced nothing but confusion, avoidance, and what appears to be deliberate obfuscation.

Im requesting that the CFPB investigate AidVantage for improper servicing practices, unexplained loan balance increases, poor customer service, and potential financial mismanagement. I am happy to provide the documents Ive received and the communication trail that demonstrates this ongoing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: Early Warning Services, LLC
State: NY

Complaint narrative:
I attempted to open a XXXX XXXX XXXXXXXX checking account for my social security benefits to be automatically deposited but was declined. XXXX XXXXeferred me to a company called Early Warning to request my file disclosure to see why I was denied. I have never had a bank account before and I do not have a government issued ID and Early Warning said they did not, and would not have to provide me with the disclosure unless I obtained a government issued ID. I am currently unable to get an ID due to financial distress and transportation issues so I am unable to get my benefits. I am literally living on nothing, in severe poverty and I can not open a bank account for some unknown reason when I have never even had a bank account before. This is ridiculous, unnecessary, and unduly obstructive to remedying my situation. Not everyone in the world can just " get an ID '', its not that easy when you have nothing, literally nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by Equifax, TransUnion and Experian for XXXX XXXX, XXXX. Specifically, Equifax is reporting the account as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX " XXXX days late '' in the payment grid on XXXX, and a Last Payment Date as of XXXX. Experian is reporting " XXXX  '' status with a " past due XXXX days '' in the payment grid on XXXX, and a Last Payment Date as of XXXX is reporting without a complete account number XXXX reporting " XXXX XXXX XXXX XXXX XXXX  '' status but a " XXXX  days late '' in XXXX in the payment grid and a Last Payment Date as of XXXX. These reports are inaccurate and need to be updated to reflect " XXXX XXXX XXXX  '' and XXXX XXXX XXXX XXXX  '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the worst XXXX  status be updated according to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the fair credit reporting act ( FCRA ), particularly section XXXX, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of the XXXX XXXX XXXX XXXX ( XXXX ), which mandates that the consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these XXXX payments. Additionally, I request a thorough investigation into these disputed XXXX  payments as per section XXXX ( a ) ( XXXX ) of the FCRA and written confirmation of the investigation 's completion, along with details of any action taken to rectify this matter. 
Lastly, I request documentation to verify compliance with XXXX XXXX XXXX XXXX, which mandates that periodic statements must be delivered not later than XXXX days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red/blue for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within XXXX  days of the date of this letter. Thank you for your attention to this matter.

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 2025-06-13 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: FL

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its frustrating to see my credit get negatively affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. If you can not certify that all data belongs to me, these accounts and its respective charges must be removed entirely and I need you to address this as soon as possible to prevent further damage.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-13 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: CITIBANK, N.A.
State: NH

Complaint narrative:
The complaint is concerns Citi credit card company. On XX/XX/year>, I entered a rental car agreement with XXXX car rental in XXXX XXXX XXXX through XXXX who was their agent. The rental period was from XX/XX/year> through XX/XX/year>. The car was a XXXX XXXX. The total rental amount was {$160.00} which was confirmed by both XXXX and XXXX. The itinerary number was XXXX. When I arrived at the airport in XXXX XXXX, my wife and I were shuttled by XXXX to their rental facility a few miles away from the airport. When we arrived at the XXXX rental facility, the XXXX agent refused to honor the rental agreement and stated that we would have to pay {$500.00} in order to rent the car. There were no other car rental business in the area so we were forced to rental the car for that amount. We returned the car on XX/XX/XXXX with absolutely no damage which XXXX acknowledged. 

When my wife and I returned home, I filed a dispute with Citi requesting a refund in the amount of {$330.00}. Multiple times, I have submitted via email and certified XXXX mail, the rental agreement in the amount of {$160.00}, the receipt from XXXX in the amount of {$500.00}, and a sign affidavit stating the entire situation as proof of my dispute. I keep getting email letter from Citi 's dispute department claiming the they have either lost my submittals, never received them, or received them but they illegible. I have spoken countless times with Citi Customer Service representatives who state that they have received everything I have sent, it is perfectly legible, and I have done everything I need to do the settle this dispute. The dispute department, however, keep asking for the same thing over and over again. At this stage they are clearly stonewalling me and trying to wear me down. I also consider this harassment. I want a {$330.00} permanent credit back to my Citi credit card.

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