vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: NJ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX  ] Account Number : [ 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 2025-07-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I was approved for a personal line of credit from NetCredit in XX/XX/XXXX. Since then, I used this line of credit XXXX times to withdraw funds and repaid both advances in full. 

On XX/XX/XXXX, I withdrew {$4200.00}, but NetCredit immediately deducted a {$420.00} XXXX XXXX XXXX. Over the following months, I paid {$2000.00} in XXXX XXXX Fees. I fully repaid the balance by XX/XX/XXXX. Total repayment : {$6600.00}. 

On XX/XX/XXXX, I withdrew another {$4200.00}, again with a {$420.00} XXXX XXXX XXXX. I paid an additional {$1100.00} in XXXX XXXX Fees and fully repaid the balance by XX/XX/XXXX. Total repayment : {$5800.00}. 

In total, I accessed {$8500.00}, but repaid {$12000.00}, resulting in an excess of {$3900.00} in fees and interest nearly 47 % more than the amount borrowed. I believe these fees are excessive and not clearly disclosed. I repaid both advances in full and on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: NJ

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-11 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: AZ

Complaint narrative:
I am writing to request that you block from my credit file certain information that I believe is the result of identity theft, as provided under 15 U.S.C. 1681c2 a of the Fair Credit Reporting Act ( FCRA ).

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 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Netspend Corporation
State: CA

Complaint narrative:
I opened a NetSpend XXXX  account on XX/XX/XXXX. 

I was given an account number and a virtual debit card number and I linked it to my XXXX XXXX XXXX XXXX account and made an initial funding transfer of {$100.00} ( that amount has left XXXX XXXX XXXX -- destination NetSpend -- as of XX/XX/XXXX ). 

On XX/XX/XXXX, I received XXXX emails from NetSpend. The first, at XXXX XXXX said " Your account is closed -- We have closed your NetSpend XXXX account ending in XXXX XXXX XXXX XXXX   with a remaining balance of $ {$0.00} on XX/XX/XXXX. '' ( telephone numbers were also provided ; I have overwritten account number info ) The second email, received at XXXX said " XXXX XXXX There XXXX be a problem with your Netspend XXXX Account XXXX iXXXX XXXX XXXX XXXX XXXX Please call customer service immediately at the number on the back of your card or XXXX. '' As I did not see these emails until late on XX/XX/XXXX, I called this morning at XXXX PDT. I was told that the reasons for the account closure was XXXX or more of these XXXX possibilities ( XXXX ) the account is linked to activities related to fraud, ( XXXX ) we were unable to verify your identity, and/or ( XXXX ) there are too many risk factors. Given these vague allegations, I was told that I am essentially " blacklisted '' from opening any NetSpend accounts. 

I have a pre-existing XXXX NetSpend account since XXXX that has not had any problems, and I ran into similar problems with opening that account and complained to this agency at that time ( complaint number XXXX ). That complaint was resolved to my satisfaction once that bank was informed of the complaint. ( I do find it curious that there have been no problems/warnings with that account in the XXXX years since, yet I'm " blacklisted '' regarding the other account. 

For reference and to ease your contacting NetSpend, the routing number I was given for the account was 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 2025-07-11 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX XXXX ] Account Number : [ 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 2025-07-11 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: PA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Netspend Corporation
State: NY

Complaint narrative:
In the mail, I received an unsolicited debit card from NETSPEND. I never asked for the card. A letter asks to activate the card with a QR code. I shredded the debit card. The Electronic Funds Transfer Act permits the unsolicited issuance of debit cards, but only if disclosures are given and the card is not usable until after the consumer has requested validation and the consumer 's identity has been verified. The letter DOES NOT clearly provide disclosures thus breaking the law. Company is doing highly illegal activities. 

Received on XX/XX/year>. 
NETSPEND XXXX. XXXX  XXXX XXXX, TX 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 2025-07-11 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( XXXX ) on my credit report, as allowed under 15 U.S.C. 1681i : VERIZON - XXXX Account not mine XXXX XXXX XXXX XXXX Account not mine XXXX XXXX  - XXXX Account not mine XXXX XXXX  - XXXX Account not mine

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 2025-07-11 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX balance of {$3800.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: U.S. BANCORP
State: NC

Complaint narrative:
On XX/XX/year>, I purchased an RV from Camping World and financed the loan through U.S. Bank. The RV was represented and documented as a XXXX XXXX XXXX XXXX, a luxury diesel motorhome. However, the RV I actually received was a XXXX XXXX XXXX a lower-tier gas-powered motorhome with significantly less value. 

XXXX XXXX submitted fraudulent loan documentation to U.S. Bank listing the more expensive RV model ( XXXX XXXX XXXX ) as the collateral, even though that was not the RV delivered. I discovered this after finally obtaining the paperwork showing that the wrong RV was listed in the loan documents. 

Because of this deception, I was overcharged by more than {$65000.00}. The loan terms are based on the inflated value of a motorhome I never received. This is a clear case of misrepresentation and fraud by the dealership, which has caused me long-term financial harm. 

I am requesting that U.S. Bank and the CFPB investigate this transaction immediately, correct the collateral records, adjust the loan terms appropriately, and hold XXXX XXXX accountable for its deceptive 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 non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-11 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: MD

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-07-11 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account 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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I noticed unauthorized inquires on my credit report that I would like removed, according to the FCRA these unverified and unauthorized items must be removed. This stuff is not mine and I dont recognize any of it. 

Capitol one XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 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 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 2025-07-11 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 have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial XXXX  and has severely impacted my XXXX The process of addressing these errors has been both XXXX XXXX XXXX XXXX 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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:
My name is XXXX XXXX XXXX, and I am a victim of identity theft. My personal information, including my Social Security number and date of birth, was compromised in multiple data breaches, specifically involving Equifax and XXXX. 

As a result of these breaches, unauthorized individuals have used my identity to open multiple fraudulent accounts and attach addresses to my credit file that I have never lived at. These accounts were opened without my knowledge or consent, and I am not responsible for them. 

I discovered the following accounts on my credit reports that are fraudulent or improperly reported : XXXX  XXXX XXXX ( Acct # unknown ), Balance {$19000.00} XXXX XXXX XXXX XXXX ( Acct # XXXX and Acct # XXXX ), Totaling {$31000.00} XXXX Credit ( Acct # XXXX ), Balance {$3900.00} XXXX XXXX XXXX ( Acct # XXXX ), Balance {$2100.00} XXXX Card ( Acct # XXXX ), Balance {$27000.00} XXXX XXXX XXXX Bank ( Acct # XXXX ), Balance {$29000.00} In addition, the following addresses have been added to my credit file fraudulently : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XX/XX/XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX I have never resided at any of these addresses and did not open any of the accounts listed above. I am requesting assistance in blocking and removing this fraudulent information from my credit reports, as provided for under the Fair Credit Reporting Act ( XXXX  ) XXXX. I have included a signed identity theft affidavit, proof of my identity, and proof of my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Pinnacle Legal, P.C.
State: NJ

Complaint narrative:
I am a XXXX senior citizen recovering from XXXX XXXX. In XX/XX/year>, I enrolled in a debt settlement program promoted by Pinnacle Legal P.C., in partnership with Level Debt and XXXX XXXX. 

Since then, approximately {$1700.00} has been withdrawn from my XXXXXXXX XXXX account, but NO settlements have been reached with any creditors. Ive been told this process may take several years while continuing to deduct {$250.00} per month, which is financially unsustainable and distressing for someone in my medical and financial condition. 

The service fees are extremely high ( 27 % of enrolled debt ), and I feel misled about what services would be delivered. To date, no progress has been made, no debts have been resolved, and Im deeply concerned this is a legally structured but abusive financial service targeting vulnerable individuals. 

I have attempted to get clarity or a refund, but have received no real help. I am now demanding that this be stopped immediately and the money refunded. 

You may contact me at XXXX or ( XXXX ) XXXX if further information is needed. 

I have also contacted my bank to stop further ACH withdrawals and have filed a complaint with the New Jersey Attorney General. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: IL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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

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