vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: MS

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a disabled veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only XXXX week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC
State: IL

Complaint narrative:
Outrageous interest rate, reviews seem fake. State of illinois has a cap on interest rates, they claim they don't need to follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

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 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$800.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$360.00} XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX  - Account Number : XXXX * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXXXXXX Date : XX/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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am filing this complaint because my personal information was exposed in a national data breach, specifically involving XXXX, and confirmed with engagement number # XXXX. 

After reviewing my credit reports, I identified several accounts that I do not recognize and believe to be fraudulent. I contacted the credit reporting agencies and requested validation of these debts, but I have not received sufficient or timely responses from any of them. 

Given that my sensitive data was compromised, I submitted an FTC Identity Theft Report to document and report the unfamiliar accounts. 

As of today, the credit reporting agencies continue to report these accounts, causing harm to my credit profile and emotional distress. 

Attached to this complaint are the following supporting documents : A copy of my government-issued ID My FTC Identity Theft Report A validation of debt request letter that I sent A screenshot confirming my data exposure in the XXXX  breach XXXX Engagement # XXXX ) I am requesting that the CFPB require the credit bureaus to comply with the Fair Credit Reporting Act ( FCRA ), remove the fraudulent accounts, and ensure my identity is protected moving forward.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date : XX/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 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I purchased XXXX ( XXXX ) XXXX XXXX Passes from XXXX Florida on XX/XX/year>, totaling {$1800.00}. Before completing the purchase, I asked their official XXXX chatbot if XXXX Passholders were required to pay a daily reactivation fee for the drink cups. The chatbot clearly stated XXXX, which directly influenced my decision to proceed with the transaction. 

Upon arrival at the park, I was informed that XXXX Passholders do have to pay a daily drink cup reactivation fee contradicting what XXXX  own chatbot claimed. I contacted XXXX, and they acknowledged the confusion was caused by their chatbot, but refused to issue a refund, citing a no refund policy. 

I then filed a dispute with Suncoast Credit Union on XX/XX/year>, citing misrepresentation and services not as described. I submitted screenshots of the chatbot, XXXX  emails, and my communications. XXXX initially reviewed the case but ultimately denied the dispute, citing the merchants refund policy and providing their own interpretation of the chatbot message, which I believe was unfair and biased. 

I submitted a follow-up email to Suncoast requesting the case be escalated to the card network ( XXXX ), or that I receive written confirmation of their refusal. They have not responded. 

This dispute involves clear misrepresentation, refusal to escalate or reevaluate the case, and a lack of transparency by both the merchant and the bank. I am now requesting regulatory review and intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK
State: NH

Complaint narrative:
b'Please tell XXXX XXXX XXXX to stop contacting me and my family and harrassing me without proof of a bill. They yell and make fun of me for being upset because i know they are trying to collect money that is not owed to them. They are scammers..XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPlease make this company stop harrassing me. Its very scary'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there .. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. XXXX XXXX XXXX XXXX These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
b'I sent a certified letter to Experian on XXXX XXXX XXXX mail with a XXXX  number of  XXXX XXXX XXXX XXXX XXXX XXXX  . The letter was delivered to Experian in XXXX,TX on XXXX XXXX XXXX XXXX. The letter stated they needed to promptly investigate the account and correct it or delete it. Experian ignored my request and I proceeded to send another letter on XXXX. They also ignored my XXXX letter. The accounts that were included in both letters were.XXXX XXXX XXXX XXXX Balance XXXX and account number  XXXXXXXX. XXXX  Balance XXXX and 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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute of Inaccurate Information Due to XXXX XXXX XXXX  Dear XXXX, I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/ or pieces of information on my credit report that are incorrect and were not authorized by me. 
I request the immediate removal or correction of the following accounts and/or information from my credit report : 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 XXXXAttached to this letter are relevant documents that support my claim, including evidence of my status as a victim of XXXX  XXXX  and any other XXXX documentation. 
As a victim of XXXX  XXXX, it is essential to correct these inaccuracies to avoid further harm to my credit and financial well-being. I kindly ask for your prompt attention to this matter and request that the disputed information be removed or corrected from my credit report as soon as possible. 
Please confirm receipt of this dispute and provide a written update on the outcome of your investigation. Should you need any additional information or documentation from me, please let me know. 
Thank you for your understanding and cooperation in resolving this issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Fl, XXXX XXXX Dispute of Inaccurate Information Due to XXXX XXXX XXXX Dear XXXX I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/ or pieces of information on my credit report that are incorrect and were not authorized by me. 
I request the immediate removal or correction of the following accounts and/or information from my credit report : 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 to this letter are relevant documents that support my claim, including evidence of my status as a victim of XXXX XXXX and any other pertinent documentation. 
As a victim of XXXX XXXX, it is essential to correct these inaccuracies to avoid further harm to my credit and financial well-being. I kindly ask for your prompt attention to this matter and request that the disputed information be removed or corrected from my credit report as soon as possible. 
Please confirm receipt of this dispute and provide a written update on the outcome of your investigation. Should you need any additional information or documentation from me, please let me know. 
Thank you for your understanding and cooperation in resolving this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: FL

Complaint narrative:
This US Bank branch calls me multiple times a day from many different numbers. They claim that someone has opened a credit card with my name on the account. The location is in Texas. They have the last XXXX numbers of my social which is very alarming. I did not disclose that the numbers are correct. The only thing I told them was that I have not authorized any new credit accounts. When I said that I will check my credit report for any discrepancies, they hung up on me. But they still continue to call me every day.

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 2025-07-21 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: MA

Complaint narrative:
I am disputing multiple accounts and hard inquiries appearing on my credit reports with Equifax, Experian, and TransUnion. These accounts and inquiries lack valid documentation or authorization to be reported, negatively impacting my credit history.

I have previously submitted disputes requesting verification and removal of these accounts, which include charged-off debts without original contracts or proof, incorrectly closed accounts, and inaccurately reported balances. I have also requested removal of unauthorized hard inquiries from my reports.

Despite my requests, I have not received adequate responses or evidence justifying the inclusion of this information. This violates federal laws protecting my credit and is causing harm to my credit history.

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 2025-07-21 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: MA

Complaint narrative:
I am disputing multiple accounts and hard inquiries appearing on my credit reports with Equifax, Experian, and TransUnion. These accounts and inquiries lack valid documentation or authorization to be reported, negatively impacting my credit history.

I have previously submitted disputes requesting verification and removal of these accounts, which include charged-off debts without original contracts or proof, incorrectly closed accounts, and inaccurately reported balances. I have also requested removal of unauthorized hard inquiries from my reports.

Despite my requests, I have not received adequate responses or evidence justifying the inclusion of this information. This violates federal laws protecting my credit and is causing harm to my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA605B ( 15U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , Equafix reporting agency and Experian reporting agency, block information appearing on my consumer credit report that is the result of identity theft and also fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate and also false information consist of personal credit card accounts, loans and membership accounts opened at 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 XX/XX/XXXX XXXX That all appears related to the aforementioned collections and inquiries. These accounts have resulted in several fraudulent hard inquiries also and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of all accounts and inquires in question as well as all accounts not recognized as reported. The aforementioned accounts 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 the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all resulted of the identity thief and fraud accounts.

Company response to consumer: Closed with non-monetary relief