vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 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: CA

Complaint narrative:
Upon reviewing my Credit Report I noticed several unauthorized inquiries with no permissible cause and also several inaccuracies on accounts listed on my Consumer reports. Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX,, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-05-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: LEXISNEXIS
State: NC

Complaint narrative:
I have moved out and didnt pay to break the lease. I was overcharged by the landlord.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 any 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 seven 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 of 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 explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I dispute the accounts ending in XXXX and XXXX from XXXX XXXX  XXXX. Under 15 USC 1692g, I requested debt validation, including full accounting and proof the debts were not sold. They failed to respond within 30 days. I also submitted a settlement via accord and satisfaction by instrument, which was dishonored and not returned. The debts remain unproven, unenforceable, and are being inaccurately reported.

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-24 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: LA

Complaint narrative:
Please take this complaint seriously and review the attached file. Ive spent far too long trying to fix the errors on my credit report, and my efforts keep being ignored. Ive had enough. These inaccuracies are hurting every part of my life. The impact on my mental health is real, and the damage to my credit has made it nearly impossible to get the help I need. This situation is unacceptable.

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 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/year>, XXXX mobile deposited a check for {$6000.00} from an account in my name to my checking account. The bank froze my account and put my account under review on XX/XX/year> until further notice, and when I called customer service, I was told that I would receive a letter in the mail with further information. They also said that my account as a whole was under review, likely because of the check I had deposited. XXXX weeks later ( XX/XX/year> ), I received a letter that simply stated that the funds of my check were being withheld temporarily and that they would be accessible, which they did appear in my account, but my account was still on hold so they were not able to be used. The money also came out of my account that they came from, so this money has been entirely inaccessible to me on top of existing funds in my account. I have called twice since then, and both times have been told the same thing -- that there is a piece of mail coming within the next XXXX business days, but the representative has never been able to tell me what the letter would say or what further actions I may have to make. I have been out of this money and have been struggling financially as a result, and I have still not received any notice from the bank regarding any further actions that I could take to fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
XXXX XXXX owes me XXXX dollars for mobile transfers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
Credit acceptance have placed two auto loans on my account that was open 7 years ago Ive asked for verification and information Ive received no response.

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 2025-05-24 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 any 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 seven 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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 discovered that i was a victim of the Equifax data breach and upon checking my credit report i found several unauthorized accounts! This is affecting my report negatively and preventing me from getting credit for myself and my children! FCRA 605B states that these accounts must be blocked from my profile! Please Remove immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This debt is with a third party collection agency. When I asked for accurate information regarding this claim, I received information with at least 5 names attached to the ownership of this debt. Further, XXXX  had determined this account deleted from my report yet it is now currently listed as an active account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I have spoken to a phone representative from American Express XXXX XXXX services XXXX  regarding attempts to use their prepaid gift cards toward a purchase from XXXX XXXXXXXX XXXX XXXX website. I first was told by American Express Customer Service that the XXXX XXXX site did not correctly supply the card number XXXX XXXX Code attached to the card. THAT IS INCORRECT because I worked with XXXX XXXX XXXX customer service AND asked them to provide related assistance over the phone, IN ADDITION to entering the details directly on their website myself. The Amex Gift Cards I am trying to use have confirmed balances and are being declined for routine purchases. I was told then by a different Amex Customer Service representative that there could be no ZIP code associated with the online purchase when it is STANDARD ON REPUTABLE ONLINE MERCHANT SITES to provide a customer billing address AND the online instructions from AMERICAN EXPRESS direct you to use your own address in those fields when making an online purchase. 

I have XXXX Amex gift cards, each valuing {$50.00} and find that I can not use them even to make routine online purchases at reputable XXXX based merchants. I received these cards as gifts from my father as an alternative to sending cash or check via the post. AmEx markets these gift cards as a safe alternative to cash or check, that they are easy to use and widely accepted. That has not been my experience at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Subject : Account Closed without notice funds on returned. 

I received a letter & a phone call from Capital One Bank stated that my account would have been closed. I was not given prior notice or a clear explanation. When I call Capital One to inquire, I was told that they were investigating the source of my funds or reviewing account activity, but I was never given a definitive reason for the closure. Despite several attempts to get clarification, I have not received any follow-up communication. Additionally, the funds that were in my account at the time of closure have not been returned to me. I have updated my address to Capital One and moved multiple times yet I have not received any mail, refund checks, or formal documentation regarding the resolution of this matter. I would appreciate urgent attention to this issue and a clear update on the status of my funds and account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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:
Back in XX/XX/2025 I noticed a new credit card on my credit report from XXXX XXXX XXXX XXXX XXXX  and I called immediately to inform XXXX XXXX  that I never opened that account and they told me that the account was already closed by them due to fraud issues. That an investigation was going to be conducted and in XXXX  days that was going to be out of my credit report. Now To my surprise they reported the account to be XXXX  days late hurting my credit and I'm in the process of buying a house. I never gave them any authorization to use my credit information, issue me a card and worst report me to credit agencies. I need that account to be deleted from my credit report immediately.

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Back in XX/XX/year> I noticed a new credit card on my credit report from XXXX XXXX XXXX XXXX XXXX and I called immediately to inform XXXX XXXX that I never opened that account and they told me that the account was already closed by them due to fraud issues. That an investigation was going to be conducted and in XXXX  days that was going to be out of my credit report. Now To my surprise they reported the account to be XXXX  days late hurting my credit and I'm in the process of buying a house. I never gave them any authorization to use my credit information, issue me a card and worst report me to credit agencies. I need that account to be deleted from my credit report immediately.

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 2025-05-24 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:
Back in XX/XX/year> I noticed a new credit card on my credit report from XXXX XXXX XXXX XXXX XXXX and I called immediately to inform XXXX XXXX that I never opened that account and they told me that the account was already closed by them due to fraud issues. That an investigation was going to be conducted and in XXXX days that was going to be out of my credit report. Now To my surprise they reported the account to be XXXX  days late hurting my credit and I'm in the process of buying a house. I never gave them any authorization to use my credit information, issue me a card and worst report me to credit agencies. I need that account to be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Dear CFPB, XXXX Im following up on my complaint regarding Chase Bank and the removal of {$20000.00} from my account after depositing a {$20000.00} check. Despite the check clearing and my account being active at the time, Chase later removed the {$20000.00} and closed the account without providing a clear explanation. 

To date, I have received no communication or resolution through the CFPB portal or from Chase directly. The only recent activity was a cashiers check sent by Chase in the amount of {$0.00}, which appears to be the final balance of the accountnot a reimbursement of the {$20000.00} in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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:
On today call XXXX XXXX to assist in removing 23 month inquiry on credit report. Per representative we don't do that there is no department to refer me too which handles that. I must send a letter with all my information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX. And may be they may respond. Or I should contact the Credit Bureau and they will determine when it will be removed. At this point I'm not sure who takes care if this matter. And I don't like placing all my personal information that was requested for the inquiry the mail.

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 2025-05-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On today call XXXX XXXX to assist in removing 23 month inquiry on credit report. Per representative we don't do that there is no department to refer me too which handles that. I must send a letter with all my information to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX UT XXXX. And may be they may respond. Or I should contact the Credit Bureau and they will determine when it will be removed. At this point I'm not sure who takes care if this matter. And I don't like placing all my personal information that was requested for the inquiry the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: LA

Complaint narrative:
Please take this complaint seriously and review the attached file. Ive spent far too long trying to fix the errors on my credit report, and my efforts keep being ignored. Ive had enough. These inaccuracies are hurting every part of my life. The impact on my mental health is real, and the damage to my credit has made it nearly impossible to get the help I need. This situation is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: Self Financial Inc.
State: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: NV

Complaint narrative:
I applied for a payday loan online on XX/XX/year>XXXX  with XXXX  for {$250.00}. The money was deposited into my account. I called the company right away to cancel the process on XXXX. The agent picked up right away and said there was nothing she could do and that my interest would be at 500 %. I was in shock. On a {$250.00} " payday loan '', magically turned " installment loan '', my pay back would be {$1300.00}. At that moment, I realized there was something in the fine print that I was unaware of or misconstrued. 

I've suffered enough regret and dismay. I have been dooped by another " bad acting '' loan option and I'm not giving them another dime. I know that there are other people out there in the same boat and need your help ending this without injuring my credit score any further than it is. How can you help me? 

XXXX, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation