vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. The XXXX accounts consist of a personal loan from XXXX XXXX opened XX/XX/XXXX, a XXXX personal credit card opened on XX/XX/XXXX, an XXXX XXXX XXXX  personal credit card opened on XX/XX/XXXX, a XXXX XXXX phone account opened on XX/XX/XXXX, and a XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, and XXXX hard inquiries from XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX NA, XXXX XXXX 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 # XXXX 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 non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
DONT TRUST APPLES CREDIT CARD THEY WILL ONLY HURT YOUR CREDIT!!!!!

Here is what happened!

Im trying to fix my credit so I just made over {$1400.00} of payments to Apple for my Apple credit card and the reason was to decrease the amount of the card used so that way it doesnt look like Im maxing out my card... Immediately after I made the payment Apple decided to lower my credit limit and they did this without warning only telling me day of that it happened and now it looks like my credit card is almost maxed out again and it will negatively affect my credit. When Im purposely trying to build it. How can I build my credit or get out of this situation when my credits maxed out again and when I make large payments to this company and they are over here lowering the limit. If they would have actually increased the limit it could actually help me build my credit. But instead they put me in a situation without WARNING that they would lower this limit and now make me have a maxed out card with no money to pay towards it .. so they put me in a whole where my credit can never go up. If they wouldve told me sooner or warned me I wouldnt have dumped all that money in there for them to take advantage of me with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: CL Holdings LLC
State: IL

Complaint narrative:
I came across the CFPB XXXX  lawsuit. 

I feel I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. 

Come with the receipts, or be quick to delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On Monday, XX/XX/XXXX, I went to a Bank of America branch to deposit a check for {$110000.00}. The check was drawn from an estate account at XXXX XXXX and signed by my sister, who is the executor of the estate. I was told on that XXXX, XX/XX/XXXX, that there would be a hold on my check, which I understand. I was also told that they would clear {$6400.00} on XXXX, XX/XX/XXXX, and that on XXXX, XX/XX/XXXX, the rest will be released. Then I received and email saying that " We've placed a hold on your deposit because we have information indicating the check ( XXXX ) may be returned. '' On XXXX, XX/XX/XXXX, a representative from the Bank of America fraud department contacted my sister, the executor of the estate. They asked about the veracity of the check and if it was handed to me directly from her, or if it was mailed. She assured them it was handed to me. On XXXX, XX/XX/XXXX they did not release {$6400.00} and the entire amount remains on hold. I spoke to many people at Bank of America, from the branch to the online chat customer service, to an actual customer service agent and I was told that they were holding my money until XXXX, XX/XX/XXXX and that since it was a paper check, they will hold it longer and that I should have requested an electronic payment. I now have {$69.00} in my checking account and I'm late on credit card payments and Bank of America refuses to release money that is rightfully mine that has been 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 2025-06-12 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ) that you, the Equifax 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. 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$750.00} XXXX XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$970.00} XXXX XXXX XXXX XXXX  - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$700.00} XXXX XXXXXXXX - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I am filing this complaint regarding Discover Banks failure to properly investigate and refund unauthorized transactions tied to a XXXX account that does not belong to me. 

Multiple transactions totaling over {$15000.00} were made without my authorization. I filed a dispute, but Discover denied it without properly reviewing my evidence. 

XXXXnot Discoverissued a partial refund, which was later reversed. Discover has issued no refunds at all and continues to claim the charges are valid. 

I provided proof that : The XXXX account was not mine, It was later suspended for irregularities, And the charges were not authorized. 

I request a full refund and for Discover to reopen the investigation in compliance with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: FL

Complaint narrative:
I disputed a collection account from XXXX XXXX XXXX with Experian regarding an {$18000.00} balance tied to an old eviction. I requested verification and a reasonable investigation under the Fair Credit Reporting Act ( FCRA XXXX ). Despite my dispute, Experian did not provide documentation showing the debt was accurate or verifiable. On XX/XX/year>, Experian closed the dispute and stated the account will remain without resolving the issue or providing any proof of the debt. This violates my rights under the FCRA to a proper reinvestigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: OH

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 non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: OH

Complaint narrative:
I started a new job a year ago, the new employer messed up my insurance enrollment and this insurance that I did not sign up for, that was added without my consent, was used over my current insurance ( XXXX ) for a XXXX XXXX. During the time it took to resolve this due to lack of communication from both XXXX and XXXX, the debt went to collections. 

The issue was resolved and all debts have been taken care of and the insurance issue has been fixed. The insurance through my employer was terminated and backdated to the creation date after I provided evidence that I did not request it. 

Harris & Harris collections agency continues to text me and send me letters in the mail over a {$320.00} medical debt that I do not owe. They can discuss this with the hospital or my insurance but it has nothing to do with me as it is not a debt that I owe. XXXX shows a {$0.00} balance for me and has for some time, my bills from the hospital are all paid. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a formal identity theft dispute to TransUnion on XX/XX/year>, including an FTC Identity Theft Report, government-issued ID, and proof of address. USPS tracking confirms TransUnion received and picked up the documents on XX/XX/year> at their XXXX, PA facility. Despite this, TransUnion has failed to block or remove the fraudulent accounts and inquiries listed in my report, as required under FCRA 605B, which mandates action within four business days. 

Since then, I have reached out to TransUnion multiple times by phone for updates. Each time, Ive encountered misleading information, refusals to provide assistance, and inconsistent statements from representatives. Some reps falsely claimed they hadnt received my documents, while others refused to confirm the dispute status or acknowledge the identity theft filing already submitted and delivered. 

These actions have caused significant delays, stress, and continued harm to my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
I recently reviewed a copy of my credit report. I noticed that I have fraudulent accounts on my report. Please remove these accounts from my credit report, as they are hindering my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
COLLECTIONS ACCOUNT NUMBER- XXXX CREDITOR- RADIUS GLOBAL SOLUTIONS OPENED-XXXX AMOUNT- {$2600.00} CALLED CREDITOR ON OR ABOUT XX/XX/year>. ONLY INFORMATION PROVIDED ITS AN ( XXXX XXXX XXXX  ) DEBT. INFORMED CREDITOR I NEVER HAD AN XXXX XXXX XXXX ACCOUNT. 
REPORTED TO THEM IT WAS FRAUD. 
CREDITOR DID NOT SEND ME A NOTICE OF THIS DEBT AND XXXX  ADDED THIS ON MY CONSUMER REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I called into make disputes on my credit report. I was not able to do so online for some reason, but when I did call in the agent that was there to assist me, was not very helpful. He had a rebuttal for every statement that I made and reasons as to why this should not be disputed. Instead of taking my dispute and processing it. I asked for a letter informing me of the results and have not received any such letter. I have been on to the profile that is provided for me and there is no information there either. I would like to make a complaint about them not following their own guidelines, and also guidelines we made a verbal agreement about. I would also like to have my results posted so that I can see what exactly is going on with my credit report. That should be the very least of what should happen for me since it is my personal information that is in question.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
In XXXX of XXXX, I made XXXX money transfers via Western Union totaling {$7300.00} ( {$2500.00} + {$2500.00} + {$2300.00} ). Western Union mishandled these transactions, sent them to the wrong bank, and delayed recovery for over a year, causing serious business disruption and financial harm for me and my business partner in XXXX. 

In XX/XX/XXXX, I received a partial refund in cash. Months later, Western Union claimed they had issued a duplicate refund and began collection attempts on {$2500.00}. I am now receiving legal-sounding emails demanding payment. 

This is unacceptable. The money was owed to me due to their own failure. I am requesting a full investigation, a stop to all collection efforts, and confirmation that no negative credit reporting will result from this. 

XXXX : XXXX I believe Western Union should stop all collection activity, close this account, and issue a full apology for their mishandling of my transfers. I request not just the refund, but also compensation equal to the amount they mishandled a total of {$7300.00} as damages for the harm caused. 

Their error didnt just inconvenience me it destroyed an international relationship, a business opportunity, and my personal credibility. I had intended to return to XXXX to marry a man I deeply loved, a respected archeologist. We had aligned visions to create spiritual retreats blending my life coaching with his historical expertise. But because Western Union delayed or lost the funds, and offered no resolution for over a year, I appeared financially reckless and untrustworthy. His family was involved. The damage led to deep mistrust, a breakdown in our partnership, and ultimately, the loss of someone I truly believed I would build a life and business with. 

I am asking that Western Union provide damages matching the amount in question ( {$7300.00} ) for the emotional suffering, reputational damage, and loss of opportunity their actions directly caused. That would be the only fair resolution to reflect what was taken from me not just money, but trust, dignity, and a future I had worked hard to build.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: TN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX  data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00}

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 2025-06-12 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: IL

Complaint narrative:
Im requesting your help to look into certain accounts that are showing incorrect late payment reports. Ive reviewed my credit report and found false late payment records on specific accounts. These are errors, and there should be no such remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MI

Complaint narrative:
Creditor Name : * * XXXX XXXX ( Original Creditor : XXXX XXXX ) - * * Account Number : * * XXXX - * * Reported Balance : * * {$6600.00} - * * Date Opened : * * XX/XX/XXXX - * * Status Updated : * * XX/XX/XXXX # # # * * Legal Basis for Dispute and Removal : * * XXXX. * * Incomplete and Unverifiable Information ( FCRA XXXX ( b ), XXXX ( a ) ) * * - The account lacks critical details, including : - Missing payment history ( XXXX history blank ). 
- No defined " Status '' ( open, closed, derogatory ). 
- No " Monthly Payment '' or " Terms '' disclosed. 
- TransUnion can not legally report data that is * * patently incomplete * *, as this violates the FCRAs accuracy and completeness requirements. 

XXXX. * * Inaccurate Reporting ( FCRA XXXX, XXXX XXXX Guidelines ) * * - The " Balance Updated '' ( XX/XX/XXXX ) contradicts the " Status Updated '' ( XX/XX/XXXX ) without explanation. 
- The " Original Balance '' ( {$6100.00} ) vs. current balance ( {$6600.00} ) lacks justification for the increase. 
- The " Dispute resolved reported by grantor '' comment is vague and unsubstantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: FL

Complaint narrative:
I found several fraudulent credit inquiries on my credit report : XXXX on XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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:
This morning, I discovered that some incorrect accounts had appeared on my credit report, and I have no idea how they got there. I reviewed my credit report as I normally do, but this time, unexpected errors were present. I even refreshed my browser thinking it might be a technical issue, but the inaccuracies remained. Because of this, I kindly request a thorough review of the documents I submitted so I can stop worrying about this matter.

Company response to consumer: Closed with explanation