vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/year>, I was approved for a Discover credit card. On XX/XX/XXXX, Discover emailed me stating that they required my consent to obtain tax return information from the Internal Revenue Service ( IRS ) and credit data from XXXX  for identity verification. I promptly complied with the request. On XX/XX/XXXX, Discover sent another email confirming that my new card was on the way with a {$1000.00} credit limit. 

However, my XXXX XXXX dropped by XXXX points due to a hard inquiry and the opening of a new account. On XX/XX/XXXX, I received the card and activated it. Immediately after activation, the account was restricted, and I was unable to use the card. No transactions were allowed. 

On XX/XX/XXXX, I received another email from Discover stating that complete documentation was still required to verify my account and that failure to comply could result in account closure. At this point, I contacted Discover directly, explained the situation, and requested that the account be closed and removed from my credit report, as I was never able to use the account. 

On XX/XX/year>, Discover officially closed the account, as confirmed in a letter sent on XX/XX/XXXX. However, Discover continues to report the account and the hard inquiry to the credit bureaus, despite the fact that I never benefited from the credit line due to restrictions placed immediately upon activation. 

I believe this constitutes unfair and deceptive practices under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to credit reporting agencies are required to provide accurate and complete information. Reporting an account as active or normally opened, when it was never usable and closed due to internal verification issues, misrepresents the reality of the account and damages my credit standing without just cause.

Furthermore, under the CFPA ( 12 U.S.C. 5531 ), financial institutions are prohibited from engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ). It is unfair and harmful to consumers to solicit and approve credit applications, impose a hard inquiry and account on the consumers credit, restrict the account before use, and then insist that the resulting damage remain even when the consumer received no benefit from the product.

I am respectfully requesting that Discover be required to : 1. Remove the credit card account from all consumer reporting agencies.

2. Remove the associated hard inquiry from my credit report.

The process caused unnecessary harm to my credit and violated federal consumer protection standards. Thank you for reviewing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I had a car loan with Ally. In XXXX I had a XXXX  proceeding, XXXX XXXX XXXX, and XXXX hit the world. My XXXX was given the car ( XXXX XXXX ) by the court. She failed to make payments. Now, as the XXXX statute of limitations for debt collections nears, Ally not only continues to fraudulently report it on my credit reports, but also has added an entry that I made a payment to them in XXXX. I did no such thing and they refuse to correct my credit report each time I have disputed this matter. They clearly are engaged in the credit reporting fraud of trying to re-age the debt so that they can keep it on my report longer than the law allows. This is a violation of consumer protection laws as well as the FCRA. This illegal nonsense needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: IL

Complaint narrative:
Fraudulent account on mycreditreport .. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: MI

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXX timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: IL

Complaint narrative:
Fraudulent account on mycreditreport.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 2025-07-26 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: GA

Complaint narrative:
I am submitting a complaint against Experian for violating my rights under the Fair Credit Reporting Act ( FCRA ). I filed a fraud dispute concerning a fraudulent XXXX XXXX account ending in XXXX that was added to my credit report without my authorization. I submitted an FTC Identity Theft Report ( FTC Report # : XXXX ) and requested a fraud block under FCRA XXXX, which was initially granted. 

However, on XX/XX/year>, Experian sent me an email stating that the account had been reinserted due to additional information received from the creditor. The email provided no documentation to support this claim, nor did it include the required reinsertion notice details under FCRA XXXX ( a ) ( XXXX ) ( B ) such as the name, address, phone number of the furnisher, and a copy of the so-called evidence. 

I did not agree in writing that the block was in error, nor did I authorize the account in any way. In addition, the account includes a fraudulent mailing address ( XXXX XXXX XXXX, XXXX, GA ) that I have never lived at, further proving the identity theft. 

I am requesting the CFPB to investigate Experian for : Violating FCRA XXXX by reinserting a fraudulently blocked item Failing to provide the legally required reinsertion notice under XXXX ( a ) ( XXXX ) ( B ) Continuing to report known false data despite official fraud documentation I am requesting immediate removal and re-blocking of the fraudulent XXXX account from my Experian credit file, and a copy of all documents Experian claims to have received that justify reinsertion. I have uploaded a copy of the email from Experian, my FTC Report, and my prior disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: MI

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-26 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This agency is infringing on your consumer rights by using misleading, false, and deceptive tactics. I've already tried to resolve these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensate me or remove these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: TX

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. 

XXXX XXXX  XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$1100.00} XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$120.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$11000.00}

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 2025-07-26 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required documents include a photo ID, a utility bill, and my FTC report. I have provided all necessary documentation, including more than the two items required by law.

Pursuant to Section 605C of the Fair Credit Reporting Act, I respectfully request that you remove and block the following items from my credit report within XXXX business days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Please confirm in writing once these accounts have been removed. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: I.C. System, Inc.
State: NC

Complaint narrative:
IC Systems continues to claim an account is mine and I have no knowledge of the account.

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 2025-07-26 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: NY

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blockchain.com, Inc.
State: GA

Complaint narrative:
I added bitcoin from another wallet to my blockchain wallet, a few hours later I sent coin to a few different wallets. After an hour I have not received any bitcoin to my new wallets I check and see that blockchain has put my account into manual review which was no prob. I talked with support which informed me just XXXX hrs waiting period. It has been XXXX weeks. I have reached out in every type of platform to get answers. No type of communication. BLOCKCHAIN is a scam I added XXXX from another wallet to my blockchain wallet. A few hours later, I sent the XXXX to several different wallets. After an hour, I had not received any XXXX  to my new wallets. I checked the blockchain and saw that my account had been placed into manual review, which was not a problem. I contacted support, who informed me that there was a XXXX waiting period. It has been XXXX weeks, and I have reached out to support through every possible platform, but I have not received any communication. The blockchain appears to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
I live in a condominium association and pay my monthly maintenance fees using XXXX XXXX XXXX. XXXX sends checks on my behalf b/c the property manager does not accept electronic payments. The property manager, uses Valley Bank ( a post office box in NJ, but payments are going to Florida ). They also do not endorse the checks " For Deposit Only XXXX XXXX '' which begs the question if they are commingling funds with other properties the company manages. The XXXX XXXX is not a XXXX XXXX  which means the merchant/payee has full and total control of how and IF they process payments. Valley will not give me any information since I am not their direct customer. They did say their customer has a relationship manager and perhaps, that's the conversation that needs to be had. The XXXX directed me here to file a complaint. Happy to provide more details as needed and of course, my legal proof of payments from my own bank ( XXXX XXXX ). Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$120.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$11000.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: SC

Complaint narrative:
I am disputing the accuracy and completeness of the tradeline reported by XXXX XXXX XXXX, originally related to XXXX XXXX XXXX. This account is being reported inconsistently across the credit bureausTransUnion, Experian, and Equifax. 

Specifically : The account is listed as both an Open Account and Installment, with varying classifications including Debt Buyer, which is misleading and may constitute incorrect reporting under 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report data with maximum possible accuracy.

The balance of {$1800.00} is reported as past due by both Experian and Equifax, but no payments have been made, and there is no consistent payment history reflected to justify this delinquency or the charge-off status.

The tradeline indicates Seriously past due/ assigned to collection agency, yet fails to properly validate or document any communication regarding this status, as required under 15 U.S. Code 1681i and 1692g ( b ), which govern dispute resolution and debt validation.

I previously disputed this account, and it is now marked as Account information disputed by consumer, yet the inaccurate information has not been corrected or removed after more than 30 days, violating FCRA dispute procedures. 

I believe this tradeline is being reported inaccurately and is negatively affecting my credit profile without sufficient validation or documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Continues to re submit checkmultiple time to overdraw each time {$35.00}.

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 monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: United Shore Financial Services, LLC
State: NC

Complaint narrative:
Old Lender : XXXX XXXX ( Loan Number : XXXX ) Title Company : The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New Lender : United Wholesale Mortgage ( Loan Number : XXXX ) I refinanced my mortgage loan with XXXX XXXX through United Wholesale Mortgage ( UWM ). According to the payoff schedule, the loan with XXXX XXXX was supposed to be paid off on XX/XX/XXXX. However, the actual payoff occurred on XX/XX/XXXX. 

At closing, I prepaid interest to UWM for the period from XX/XX/XXXX through XX/XX/XXXX. Since the payoff to XXXX XXXX was not completed until XX/XX/XXXX, I should not have been charged interest by UWM for the period between XX/XX/XXXX and XX/XX/XXXX. During this time, interest was still accruing on the loan with XXXX XXXX. In effect, I was charged interest by both lenders for the same XXXX XXXX to XXXX XXXX is not appropriate. 

I have attached the final XXXX settlement statement provided by the closing team for reference. 

I first contacted the closing team, but despite an ongoing email exchange, they have refused to take responsibility for the delay or offer compensation. I then reached out to XXXX XXXX, who directed me back to the closing team. UWM also advised me to contact the closing team. For over a month, Ive been caught in a loop with no party willing to resolve the issue. 

This has caused unnecessary stress and financial loss.

Company response to consumer: Closed with explanation