vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: CA

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 XXXX. 

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: TN

Complaint narrative:
I am writing to dispute a derogatory item currently listed on my TransUnion credit report. Due to the documented TransUnion data breach, which exposed the personal information of countless consumers, I am concerned that my data may have been compromised and potentially used without my knowledge or consent. 
Item in Dispute : Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/scrub>XXXX Balance : {$13000.00} Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute any information I believe is inaccurate, incomplete, or unverified. I formally request that TransUnion conduct a thorough reinvestigation of the account listed above. If the information can not be fully verified with original documentation from the creditor, it must be removed from my credit file.

Additionally, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, protects consumers from collection or reporting of debts that are not legally valid or have not been properly verified. Given the concerns surrounding recent data breaches and the potential misuse of my personal data, I ask that this item be reviewed with heightened scrutiny.

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 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FIRST UNITED BANK AND TRUST COMPANY
State: OK

Complaint narrative:
Somebody opened a debit checking account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I was a victim of identified theft. I looked at my report back on XX/XX/year>2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. AFFRIM for ridiculous of amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MN

Complaint narrative:
I sent {$1300.00} to my son in law. Apparently his phone number changed. He did not receive the money. I want to know how someone can claim this money using his name XXXX XXXX and an old number? This is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am writing to request the removal of the following personal information from my file. The data appearing on my credit report does not correspond to my actual personal information and was included without my authorization. I am attaching evidence of my correct personal information and respectfully request the immediate removal of the inaccurate data, as it is negatively affecting 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 2025-06-23 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: AR

Complaint narrative:
I am writing to request the removal of the following personal information from my file. The data appearing on my credit report does not correspond to my actual personal information and was included without my authorization. I am attaching evidence of my correct personal information and respectfully request the immediate removal of the inaccurate data, as it is negatively affecting 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 non-monetary relief
Consumer complaint received 2025-06-23 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: FL

Complaint narrative:
I have always made my payments on time, therefore the late payment showing up on my account profoundly disturbs me. I respectfully ask that this inaccuracy be removed right away in order to properly reflect my payment history, as it is causing needless stress.

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 2025-06-23 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: AR

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary XXXX. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-23 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: AR

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary XXXX. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: FL

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary XXXX. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: OH

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I attempted to withdraw {$17000.00} from my MoneyLion managed investing account on XX/XX/scrub>, 2025. The withdrawal was canceled, and I was told to submit identity verification documents. I submitted all requested documentation by XX/XX/year>2025, including a government-issued ID, a selfie, and my bank statement. 

Since then, Ive been locked out of access to my own funds for over a month, despite submitting everything required. MoneyLion has failed to provide a timeline, resolution, or specific answers regarding the delay. Their support responses have been vague, repetitive, and evasive, even after multiple escalations and confirmation that my documents were received and verified. 

As of today ( XX/XX/year>2025 ), my funds remain inaccessible with no clear explanation or resolution. I am filing this complaint because I have no other means to recover access to my account and believe this delay may be a regulatory violation.

I have attached : A full timeline of events All email chains with MoneyLion support Screenshots of my current investment account balance Proof of the canceled withdrawal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I inherited a peice of land from my decease mother. In order to afford the funeral arrangements, I sold the land. As payment for sale, I received a XXXX wire transfer from the buyer on XX/XX/XXXX. The wire was validated and verified by the senders bank ( XXXX ) as he had to write a letter stating the reason for the transfer. My account was FINE UNTIL I went into my NAVY FEDERAL branch IN PERSON to withdrawal XXXX to make a personal purchase on XX/XX/year>. When I asked for my money, I DID call ahead and confirm I could come withdrawal. When I got to the bank, the teller IMMEDIATELY profiled me ( as I am a young, XXXX yr old, XXXX women. ) immediately Im asked invasive yet IRRELEVANT questions. I told her why I was withdrawing. She then starts asking about my mothers name, and who sent the money and why they sent it. If there was question on validity that shouldve been brought up BEFORE I came in branch, and BEFORE funds were made available in my account. 

From XXXX I had NO ISSUE transferring, moving, or utilizing my money. When I went into the branch, I was flagged. I was NOT GIVEN a chance to show proper paperwork. Still on XX/XX/year> I have uploaded the Proxy Letter, Draft of Deed, and no one at Navy Federal will acknowledge them. Navy Federal REFUSED to release my funds until they hear from XXXX via service message. When I speak to ( the purchaser ) he tells me his banks has received no message. This has been the case for a week. I need Navy Federal to release my funds IMMEDIATELY as is that money is my inheritance and I am in the midst of planning a memorial for my deceased mother. This is ridiculous

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: IL

Complaint narrative:
I am writing to formally request the reinstatement of my accounts which was recently removed or deactivated. 
I do not why these accounts of mine have been removed without my consent. I value the services provided by your platform and would greatly appreciate the opportunity to continue using the account. Please let me know if there are any actions required on my part or documents I must provide to support this request.

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 2025-06-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: OH

Complaint narrative:
I took my loan off of autopay 3 months ago and yet they continue to auto deduct my account every month and then charge me a {$15.00} penalty for returned funds ( I specifically move money to this account when I pay them ). I've called twice now and have had two different customer service people LIE and tell me that I called their company and set up one time payment for that month WHICH NEVER HAPPENED! I strictly pay all my bills online. The last woman kept insisting that I called them and gave them verbal permission to take my money in which I told her multiple time I never called them PERIOD!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-23 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:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-23 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: IN

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 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing a complaint against TRUIST Bank concerning fraudulent and unauthorized actions taken by the band manager at one of their Florida branches. I have been the owner of a business account with TRUIST for over 20 years. On XXXX XXXX, I attempted to deposit a check made out to me personally from the Florida XXXX XXXX XXXX that I have been deposited with this band regularly over the last four and a half years. Unexpectedly, the branch manager refused to accept the deposit, offering no valid explanation. What followed was deeply concerning.

1. the manager closed my bussines account without my signature.

2. the documents used to close the account did not contain her name but another name 3.She refused her name told me it was Irrelevant. I called later in the afternoon to get her name when I realize her name was not on the receipt.

4. The manager didn't sign her name but had another person name and bank ID 5. I was given cash and didn't sign anything receipt or withdrawal confirmation

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 2025-06-23 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: NY

Complaint narrative:
My Name is XXXX XXXX. my date of birth is XX/XX/year>. my social security number is XXXX. 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX 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 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief