vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
The account XXXX XXXX XXXX  with the original creditor listed as CITIBANK N.A. is fraudulent and illegally reporting on my credit report. This false account is harming me by lowering my score, making credit approval harder, raising interest rates, increases insurance costs, and affecting job and housing opportunities; threatening my ability to secure stable housing for me and my toddler. This account being furnished on my credit report exposes me to collection activity and harassment on a debt that is not mine causing stress and impacts my mental health. This account is not my obligation and violates my consumer rights that include but are not limited to under 15 USC 1681b ( A2 ), 1681ae, 1692b, 1681b, 1692j, 1692d, 1692e, and 1692f. 

The account found on my credit report o XX/XX/XXXX is listed below : Account name XXXXXXXX XXXX XXXX Account number XXXX Original creditor CITIBANK N.A. 
Company sold- Account type Debt Buyer Date opened XX/XX/XXXX Status Collection account. {$2900.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2900.00} Balance updated XX/XX/XXXX Original balance {$2900.00} Monthly payment- Past due amount {$2900.00}

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 2025-07-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I did not authorize, open, or use any of these accounts or allow that inquiry. These are fraudulent. I disputed them with all three bureaus under 15 USC 1681, and they failed to verify properly or remove them. This is a direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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 did not authorize, open, or use any of these accounts or allow that inquiry. These are fraudulent. I disputed them with all three bureaus under 15 USC 1681, and they failed to verify properly or remove them. This is a direct violation of the 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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: LEXISNEXIS
State: MI

Complaint narrative:
I submitted a written request for my complete consumer file under the Fair Credit Reporting Act ( FCRA ) and GXXXX XXXX XXXX XXXX XXXX. I specifically requested all data maintained about me by LexisNexis Risk Solutions, including any non-public consumer risk indicators, specialty reports such as XXXX XXXX XXXX and any hidden scoring metrics used in insurance or financial profiling. 

LexisNexis failed to fully respond. I either received a partial file or no acknowledgment at all. This lack of transparency obstructs my ability to verify accuracy and understand how XXXX being evaluated by financial institutions. 

I followed proper steps, submitted the request in writing, and included ID as required. I also allowed sufficient time to respond. They failed to provide clear investigation results, did not confirm correction or disclosure of all information, and have violated my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I applied for XXXX new credit cards with comenity bank XXXX XXXX XXXX and XXXX XXXX. Im already a customer for the past XXXX years with their other products including an XXXX XXXX XXXX I applied and was approved for {$2900.00} for the lands card and {$1500.00} for the XXXX  XXXX. All of a sudden they have frozen my access to the new cards that they mailed and have not successfully verified the sensitive personal information i have submitted to them. I need them to move their verification process faster because it should not take that long to verify a XXXX XXXX  of XXXX  years XXXX XXXX identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
My husband and I were at Regions bank in XXXX XXXX GA to manage out accounts and deposit checks. We asked about graduating my secured explore credit card that I had over XXXX  year ago. An older lady called XXXX took care of us. She said ok we will get that settled and told us we just need to sign. She was not aware that the secure credit card could graduate and started applying for a new credit card from regions bank. We found out about it in the middle of the process and told her no! We just wanted to check if we could get my secure card graduated, and we dont want an additional credit card. Then she said ok and we left. Later on we found out we had the new credit account opened on the mobile app. The lady was very ignorant, we found out that she was doing the wrong thing and told her but she was saying we were wrong and kept doing the thing we did not request. She also did not provide us any documents about the account that got opened or informed us that it is applied. Later that day we contacted the online support asking about graduating the secured credit card, they said we will get an offer/email from regions bank to graduate it.

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 2025-07-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is XXXX  % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: MN

Complaint narrative:
I opened my Netspend checking account on XX/XX/XXXX. There was a {$200.00} bonus for opening an account as a new customer. I contacted support on XX/XX/XXXX, and they said that the bonus was {$40.00} not the {$200.00} bonus that I had agreed to when I opened the account. Please see the screenshot of the offer attached. I completed the following requirements that were posted on Netspend 's website as of XX/XX/XXXX below : XXXX. You must acquire a new Netspend Prepaid Card or Netspend Debit Account, activate the Card or register the Account, and pass required identity verification between XX/XX/XXXX and XX/XX/XXXX. 
XXXX. Enroll in Direct Deposit and receive Direct Deposits totaling {$400.00} or more within XXXX  days of acquiring the account. The qualifying incentive credit will be applied to your account within XXXX business days after the qualifying direct deposit activity.

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 2025-07-28 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: Early Warning Services, LLC
State: KY

Complaint narrative:
In XX/XX/XXXX, I attempted to open a bank account and was denied due to negative information reported by Early Warning Services. Upon requesting and reviewing my consumer report from Early Warning, I discovered that multiple accounts had been fraudulently opened under my name and/or linked to my identity without my authorization. 

Specifically, the report listed the following accounts that I did not open : XXXX XXXX XXXX XXXXXXXX Account # : XXXX Includes extensive check and ACH deposit activity between XX/XX/XXXX and XX/XX/XXXX, including repeated amounts such as {$2700.00} and {$4400.00} monthly, along with high-dollar transactions like {$13000.00}, {$32000.00}, and {$27000.00}. 
These transactions are not mine and appear to be either fraudulent or the result of identity theft. 
This account was marked Overdrawn on XX/XX/XXXX, then changed to Present on XX/XX/XXXX, which further affected my banking history. 
XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Closed for cause, with a loss of {$970.00}, though marked Paid in full as of XX/XX/XXXX. 
XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX, Closed : XX/XX/XXXX, with a loss of {$1200.00} Account # : XXXX ( XXXX  ) Opened : XX/XX/XXXX, Closed : XX/XX/XXXX, with a negative balance of - {$2.00} XXXX XXXX XXXX XXXX Account # : XXXX Account # : XXXX These are tied to the XXXX XXXX, which is not mine. My correct XXXX is XXXX. 

None of these accounts were authorized or opened by me. I suspect my identity has been used fraudulently or there has been a mismerge of another individuals file into mine. 



Actions Taken by Me : On XX/XX/XXXX, I submitted a full dispute letter to Early Warning, listing all unauthorized accounts and demanding their removal within four ( 4 ) days under the Fair Credit Reporting Act ( FCRA ) Sections 609 ( e ) and 611. 
I also filed an Identity Theft Report with the Federal Trade Commission ( FTC ) to document this fraudulent activity. 
I provided supporting documents, including my government-issued ID, proof of address, and a copy of the inaccurate report. 
Despite these steps, I have not yet received confirmation from Early Warning that these items have been removed or investigated appropriately. 



Impact : This situation has severely harmed my ability to open a checking account and maintain access to essential financial services. These accounts and activities are damaging my reputation and violating my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
The original address on the complaints are not mine. I NEVER LIVED THERE!!!!!!!! 
All complaints are in my name, but the addresses are wrong. Never lived at those addresses. I never lived at XXXX XXXX XXXX XXXX, Texas XXXX never lived at XXXX XXXX XXXX XXXX, Texas. Please remove these mistakes from my credit report. 
This is the second time I have requested this. If there is a next time, I will be filing an expensive lawsuit.

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 2025-07-28 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: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
The original address on the complaints are not mine. I NEVER LIVED THERE!!!!!!!! 
All complaints are in my name, but the addresses are wrong. Never lived at those addresses. I never lived at XXXX XXXX XXXX XXXX, Texas XXXX never lived at XXXX XXXX XXXX XXXX, Texas. Please remove these mistakes from my credit report. 
This is the second time I have requested this. If there is a next time, I will be filing an expensive lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
The original address on the complaints are not mine. I NEVER LIVED THERE!!!!!!!! 
All complaints are in my name, but the addresses are wrong. Never lived at those addresses. I never lived at XXXX XXXX XXXX XXXX, Texas XXXX never lived at XXXX XXXX XXXX XXXX, Texas. Please remove these mistakes from my credit report. 
This is the second time I have requested this. If there is a next time, I will be filing an expensive lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
please remove and block my information as it has been involved in the XXXX data breach.

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 2025-07-28 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: NC

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

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXXXXXX 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 2025-07-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: National Finance Company, Inc.
State: NC

Complaint narrative:
I was given a loan from National Finance Company in XXXX, NC. I made my first payment. I was employed, but I filed a discrimination charge against the company I was at, and the XXXX opened an investigation into the company. The company then wrongfully terminated my employment in retaliation. Due to financial constraints, I was unable to make a monthly payment. In less than XXXX hours of passing the payment date, National Finance Company started calling my phone XXXX times every day for a month. They then proceeded to issue me a letter telling me they were contacting the sheriff and having them go to my house if I did not pay them. This was all done after one missed payment. They harassed me by calling me repeatedly, over XXXX times each week, and also sent me a threatening letter in the mail. Now they have filed civil papers on me, even though I am trying to make payments. This company has continuously terrorized me, and I regret ever dealing with them. I missed XXXX  months payment, paid the following month, missed another payment, but made a payment the month after. I have been trying to make payments, but I am too anxious to discuss anything with them because of their aggressive and harassing tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: EQUIFAX, INC.
State: VA

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

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: OH

Complaint narrative:
See attached Letter of Removal and proof of identity.

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 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
information exposed in the XXXX  data breach and others.

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 2025-07-28 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: ID

Complaint narrative:
I am disputing inaccurate payment history reporting by Equifax regarding my XXXX XXXX account ( ending in XXXX ). Equifax is reporting the account as 3060 days late in XX/XX/year> and beyond. However, I have provided XXXX XXXX statements from XXXX XXXX  showing consistent payments and no such delinquency. Additionally, my XXXX  and XXXX  reports do not reflect any 60-day delinquency, and in some cases show the account as paid on time. 

I have submitted a formal dispute to Equifax, but their platform currently shows the case as under investigation and does not allow me to submit supplemental comments or evidence. I am submitting this complaint to ensure Equifax fully reviews the attached documentation, including my billing statements and screenshots from all three bureaus. 

I am requesting Equifax correct the payment history for this account or delete the inaccurate reporting if it can not be properly verified, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
While I was at work, my debit card was used online on XXXX website, and appears to have been used in person in another state as well. Charges within XXXX hours exceeded {$3500.00}. When I later realized this had happened, I immediately reported it, closed the card, and reported the theft to federal authorities and filed fraud report with bank. Within XXXX hours XXXX XXXX closed this fraud claim stating they had completed a thorough investigation and determined the charges were legitimate. These charges were dozens back to back in same amount to same website, with no flagging, verification, or other due diligence. I am a XXXX  and was working a XXXX hour shift, I had NO idea my account was being drained. I have been a customer in good standing for years and this activity is extremely out of the ordinary for my account. I requested information on their under XXXX hour thorough investigation that led them to determine no fraud occurred and not even provisionally credit the over {$3500.00} stolen from my account in XXXX day. The charges were blatantly fraudulent, XXXX after another in same amount. I asked for the results and details of this investigation and was told in writing they do not provide their proprietary investigation methods but that I could appeal their decision and provide them with my own proof that they missed something. Meanwhile, I havent had ANY of these fraudulent charges reversed, and REAL bills are due. For a credit union claiming our members are the mission they immediately sided with the criminal who depleted my account and left their veteran member to fight them for the legally due return of my hard earned money. I am disgusted and disappointed. Will NEVER do business with NFCU again once this is over, and caution every other veteran. Your money is NOT safe at XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief