vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-16 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
I reported three unauthorized transactions on my Ally debit card on XXXX XXXX XXXX, 2025. Instead of being contacted or assisted, Ally closed my debit card without any notice. I was not informed by email, phone, or in-app messaging.

When I reached out to find out what happened, I was told the card had been closed for security reasons and that I could use another active card tied to my account. While I was aware that card existed, I did not have it physically, and Ally refused to provide temporary access or a virtual option. I was told that if I confirmed I didnt have physical access to the card, it would be closed too leaving me with no access to my funds while I waited for a replacement.

After hours of back-and-forth with agents and a supervisor, I was told the card would be reissued. However, I was still left with no way to use my account in the meantime no virtual card, no workaround, and no transparency during the process.

This has caused unnecessary stress, disrupted my day, and left me feeling punished for responsibly reporting fraud. Ally failed to notify me, failed to provide a solution, and handled the situation poorly. Im requesting that this incident be reviewed and that Ally improve how they handle fraud disputes and customer communication.

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 2025-05-16 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
MY PERSONAL INFORMATION WAS EXPOSED DUE TO SEVERAL DATA BREACHES AND USE WITHOUT MY KNOWLEGDE OR CONSENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: PA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-16 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 kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened my business account and provided everything the company requested me to. I was using normally the account and they without any explanation closed my account and didn't wanted to give me reasons or even a letter notification.

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 2025-05-16 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: NM

Complaint narrative:
On XXXX my wife and I were in XXXX XXXX on vacation XXXX We were at the XXXX in the casino when a group of men were handing out music CD 's of their music and were asking for donations to help produce there newest album. They seemed sincere so I said I would donate {$15.00} to their cause. One of the men had a phone with a XXXX attachment for scanning cards. He showed me the screen and it showed {$15.00} and he swiped my card. I gave him my email address so he could send me a receipt. After about 10 minutes I hadn't received the receipt so I logged into my bank account from my phone and saw that there was a charge for {$8300.00}. I immediately called the bank to have them stop the charge but they said they could not. They did deactivate the card. After I hung up with the bank I filed a report with XXXX XXXX, we had a slot ticket from a few minutes before we met these men which had a machine number and the time so they were able to get the camera footage of the men. The next morning we filed a police report with XXXX XXXX XXXX Police and gave them all of the details and our case was assigned to a detective. I started a dispute with the bank, answered all of their questions, sent them the report form XXXX, the report from XXXX, the contact info for the XXXX investigator and the contact info for the detective assigned to the case. About a month later the bank sent a letter saying the matter was resolved and I would not be reimbursed for my loss. I called to find out why my case was denied, I asked them if they contacted XXXX or XXXX and the person said they did not know but the case was denied because I didn't have a receipt showing the charge should have been for {$15.00}.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I have recently been contacted by Affirm regarding an alleged debt of {$15.00}. I want to reiterate that I did not open this account, nor do I have any knowledge of such an account ever being associated with me. Approximately 30 days ago, I attempted to dispute this matter with Affirm, believing the issue would be resolved. However, I just checked my credit score and have now discovered that the account is still active and is being reported to credit bureaus, causing damage to my credit history. Affirm has not been able to help me at all regarding this matter. I've expressed to them that I have no knowledge of this account and did not authorize its creation or any transactions related to it. I believe my identity was stolen to create this account. Affirm said when I called 30 days ago, it may be something from XXXX. I went through all my purchase history there is nothing on my XXXX account with Affirm. All my purchases were made with my XXXX  XXXX  credit card or XXXX  XXXX credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: RI

Complaint narrative:
Previous CFPB complaint # XXXX I previously disputed these inaccuracies with Edfinancial via certified mail and filed a complaint with the Consumer Financial Protection Bureau as well. Edfinancial acknowledged the complaint by placing my account in administrative forbearance from XX/XX/year> through XX/XX/year>, but they failed to address or remove the previously misreported late payments that are inaccurate and causing continued damage to my credit profile. I reiterate that these derogatory entries are factually incorrect, and should never have been reported.

You are hereby reminded of your legal obligations under : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers of information must not report inaccurate information. 

FCRA 623 ( a ) ( 2 ) Upon notice of a dispute, you are obligated to investigate and CORRECT inaccurate or incomplete information.

Higher Education Act Federal loan servicers must adhere to standards in reporting borrower data accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: KS

Complaint narrative:
I'm submitting a new complaint. Credence resource management has added a collection amount on my credit report for {$400.00} in connection with XXXX XXXX. This is not my debt. I looked XXXX XXXX up and it's an internet service. I have had XXXX internet for 3-4 years. I've never had any service with XXXX. I've never received any bills from XXXX or Credence Resource Management. I have no paperwork in connection with them. I haven't called them because I feel this is a fraudulent transaction or collection agency. My next complaint is going to the Attorney General because I want it removed from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CADENCE BANK
State: FL

Complaint narrative:
I switched banks in XXXX. I left a balance of {$230.00} in my checking account at what is now XXXX XXXX  and some change in my checking account. Today I go to close out the account and I owe them {$6.00} from service and dormant fees. This practice should be illegal. Not only did they have my money to invest with, as small as it was, they took it all from me. 
This also happened at XXXX XXXX where I had a small savings account. A savings account! Instead of drawing interest, I was penalized because my account was dormant. 
I'm assuming that this is normal in the corrupt banking institutions, but this needs to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: VA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CITI CARDS CBNA has failed to conduct a proper investigation. They have violated 15 usc 1681s-2b A-E and they have not even considered all relevant information regarding the dispute because the inaccuracies are all the same still. This account was also not even marked as disputed on my credit reports so this is a clear indication that these disputes were not processed correctly. This is a violation of 1681n and 1681o for being negligent and willfully non compliant. These debts are also been securitized in a trust so ( Original creditor 's name ) does not even own the debt anymore. Which is another inaccuracy for putting on my credit 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This complaint is directed at XXXX, XXXX, TransUnion, and XXXX. They are jointly responsible for the inaccurate and unauthorized reporting of a student loan account ending in XXXX. I never signed any authorization for this account to be reported to any credit bureau. 

I disputed this account, and each company marked the investigation as " completed, '' but the data remains false. XXXX  reports a last payment date of XX/XX/XXXX, and TransUnion reports XX/XX/XXXX. The loan is falsely listed as 100 % on-time while still in deferment through XX/XX/XXXX. Payment entries appear next to " No Data '' ( ND ) codes, showing clear Metro 2 violations. 

My personal information was also compromised in XXXX XXXX during the unauthorized breach of federal databases by DOGE operatives connected to XXXX XXXX. These systems included XXXX, the XXXX XXXX XXXX XXXX, and XXXX. This reinforces the need for full deletion and discharge of this account. 

All supporting documents are attached, including a cease & block demand, sworn affidavit, and proof of damage.

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 2025-05-16 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: FL

Complaint narrative:
This complaint is directed at XXXX, Experian, XXXX, and XXXX. They are jointly responsible for the inaccurate and unauthorized reporting of a student loan account ending in XXXX. I never signed any authorization for this account to be reported to any credit bureau. 

I disputed this account, and each company marked the investigation as " completed, '' but the data remains false. Experian reports a last payment date of XX/XX/XXXX, and TransUnion reports XX/XX/XXXX. The loan is falsely listed as 100 % on-time while still in deferment through XX/XX/XXXX. Payment entries appear next to " No Data '' ( ND ) codes, showing clear Metro 2 violations. 

My personal information was also compromised in XXXX XXXX during the unauthorized breach of federal databases by DOGE operatives connected to XXXX XXXX. These systems included XXXX, the XXXX XXXX XXXX XXXX, and XXXX. This reinforces the need for full deletion and discharge of this account. 

All supporting documents are attached, including a cease & block demand, sworn affidavit, and proof of damage.

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 2025-05-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX {$17000.00} was withdrawaled from my savings account that I do not touch whatsoever this is why it is been sitting in my savings. Somebody stole my identity and impersonated me and forged my signature and took my funds out. The bank told me since my card that was stolen from me that was used and the signature matched mine that they can not reimburse me. I explained to them this was not me.

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