vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Credit Karma falsely represented a " guaranteed or pre-approved '' credit card offer. That stated it would pay a small fee if not approved. When I clicked the view offer, it asked for some basic information and then an approval with the terms and information. However, the next screen led to a " hard inquiry '' which immediately lowered my credit score.

The next pop up from Credit Karma was that the odds " were poor '' for approval.

This practice is very deceptive as I would have never done this had it not been for the " guarantee ''. Now my credit score has been lowered and I have not been able to contact them. 

I will notify the credit bureaus but this practice is VERY DECEPTIVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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 Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: TN

Complaint narrative:
Instead of correcting my last name Equifax in retaliation to filing complaint deleted my entire credit report as of XX/XX/XXXX. 
In XX/XX/XXXX my credit score was listed as XXXX instead of correcting my last name Equifax deleted my entire credit profile. Equifax posted my last name as XXXX XXXX. I dont know if they are working with another property company to facilitate fraud and corruption because I applied for another property and if XXXX XXXX XXXX are partakers in this scheme both Equifax and the rental property should be fined. I was married to XXXX XXXX more than 20 years ago in fact I was going by XXXX my full name is XXXX XXXX XXXX XXXX. So there is absolutely no way on earth the company updated my name to XXXX but had me listed as XXXX! I didnt start going XXXX XXXX XXXX at which point I was already divorced so if they had me listed as XXXX my last name should have been XXXX XXXX Equifax is the only credit reporting agency reporting fraudulent info and also committing retaliation for filing complaints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute several items appearing on my credit report with XXXX  Under my rights granted by the Fair Credit Reporting Act ( FCRA ) 1681i, 1681b, 1681e ( b ), and 1681s-2, I demand a reinvestigation and full deletion of the following inaccurate and unverifiable information.

1. UNAUTHORIZED OR UNVERIFIABLE INQUIRIES Request Deletion Under 1681b 2. COLLECTIONS & CHARGE-OFF ACCOUNTS Request Deletion Under 1681s-2 ( b ) 3. INACCURATE STUDENT LOAN DELINQUENCIES Request Deletion of Late History Under 1681e ( b ) 4. INCORRECT PERSONAL INFORMATION Request Deletion Under 1681i If the above items can not be fully verified within the 30-day windowor sooner if possiblethey must be deleted under the FCRA. I request an updated report reflecting the removals within 4872 hours, along with a confirmation letter.

Failure to respond appropriately will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action under 1681n for willful noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
I am writing to formally dispute several items appearing on my credit report with XXXX. Under my rights granted by the Fair Credit Reporting Act ( FCRA ) 1681i, 1681b, 1681e ( b ), and 1681s-2, I demand a reinvestigation and full deletion of the following inaccurate and unverifiable information.

1. UNAUTHORIZED OR UNVERIFIABLE INQUIRIES Request Deletion Under 1681b 2. COLLECTIONS & CHARGE-OFF ACCOUNTS Request Deletion Under 1681s-2 ( b ) 3. INACCURATE STUDENT LOAN DELINQUENCIES Request Deletion of Late History Under 1681e ( b ) 4. INCORRECT PERSONAL INFORMATION Request Deletion Under 1681i If the above items can not be fully verified within the 30-day windowor sooner if possiblethey must be deleted under the FCRA. I request an updated report reflecting the removals within 4872 hours, along with a confirmation letter.

Failure to respond appropriately will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action under 1681n for willful noncompliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: MD

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: MS

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
To Whom It May Concern, Im writing to dispute the reporting of two 30-day late payments ( XXXX & XX/XX/XXXX ) on my GM Financial auto loan account, which is now paid and closed with a {$0.00} balance. This account was reported by all three bureaus : XXXX XXXX Paid or paying as agreed XXXX : Paid, was past due 30 days two or three times XXXX XXXX Pays account as agreed Date Opened : XX/XX/XXXX | Closed : XX/XX/XXXX | High Credit : {$22000.00} I contacted GM Financial to request a goodwill adjustment due to hardship during the time of delinquency. I did not receive billing notices and resolved the balance promptly. Despite my loyalty and the account being paid as agreed, GM Financial declined to assist. 

Under Metro 2 CDIA standards, closed and paid accounts with no balance should not continue to reflect derogatory marks inconsistent with the final payment status. Reporting both Pays as agreed and late marks is misleading. 

Per the FCRA ( 15 U.S.C. 1681s-2 ), data furnishers must report complete and accurate information and promptly correct errors. Continued reporting of conflicting statuses violates Section 623 ( a ) ( 2 ) and hinders my ability to qualify for a mortgage. 
I respectfully request removal of the two 30-day late payments and correction of all tradelines to reflect Paid as Agreed only. I am seeking resolution in good faith to avoid escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MI

Complaint narrative:
XXXXXXXX XXXX XXXX  removed me from classes for unpaid balances but then pushed loans through on my credit while I attended the University. I was confused about how I had loans, but they said I still had a balance. More recently they refused to give me my transcripts for my classes I attended so that I could apply for another university program.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against TD Bank concerning deceptive practices and privacy violations related to the opening of a credit card account. 

Details of the complaint : I was pressured by a TD Bank representative to open a credit card with the false assurance that it offered 0 % APR on all purchases for XXXX  months. This was not accurate and was not properly disclosed.

The representative rushed me through the application process, told me not to read the fine print, which consisted of multiple pages, and coerced me into signing.

During this process, my Social Security Number was spoken aloud and handled publicly in front of several people, violating my privacy and security. 
I believe this was a bait-and-switch scheme intended to mislead me into opening a credit card under fraudulent pretenses. 

As a former banker with XXXX XXXX, I have extensive experience and knowledge of how credit card offers and disclosures are supposed to be presented. It is clear to me that TD Bank broke the law and violated consumer protection regulations during this process. 

Because of these actions, I have suffered significant distress and concern over potential credit damage. I have attempted to resolve this issue directly with TD Bank but have received inadequate assistance. 

I request that the CFPB investigate this matter, hold TD Bank accountable, and assist me in obtaining a resolution that includes the closure of the fraudulent credit card account without penalty or damage to my credit. 

Please confirm receipt of this complaint and provide information about the next steps. 

Thank you for your attention to this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
To : Santander Consumer USA Subject : Formal Dispute & Demand for Immediate Removal of False Charge-Off Reporting Account # : XXXX To Whom It May Concern, I am demanding an immediate dispute and full removal of the charge-off reported on my credit profile for the above-referenced account due to false and inconsistent reporting. Your records reflect a charge-off beginning in XX/XX/year>, yet CO is repeatedly reported across multiple months in XXXX XXXX, XXXX, XXXX, and XXXX is misleading, inaccurate, and a direct violation of the Fair Credit Reporting Act ( FCRA ). A charge-off is a one-time event and can not be reported month after month without documented collection activity, which has not occurred. 

I am formally requesting that you provide all supporting documentation for this account, including internal charge-off records, proof of collection efforts, and a copy of IRS Form 1099-C if one has been issued. If no 1099-C exists, provide a written explanation.

If you can not validate the accuracy and legality of this reporting with documentation, you are required to immediately cease reporting this account to all credit bureaus. You have 15 calendar days to comply or I will file formal complaints with the CFPB, FTC, and initiate legal action for FCRA violations and any other applicable laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: General Motors Financial Company, Inc.
State: ID

Complaint narrative:
I kept reaching out to GM financial regarding releasing my title. They kept saying they are working on it, and once they told me the lien is released, and later I call again, figure out it is not released yet. They indicated the regular process time is 7 to 10 days, and it has been 20 days. I made 3 phone calls, and they kept saying they are working on it. Im extremely frustrated, as Ive paid off the car loan. Im not understanding why the process is so complicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: WA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: AZ

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: U.S. BANCORP
State: MA

Complaint narrative:
Have to register card online to use in online stores yet the website gives you no options to do so and requires sensitive information. Ive tried using the card in person but keep getting declined. The website says there is money on the card so now I am led to believe it is not usable. I called the number on the card to confirm the balance and it was confirmed but no help was given to activating the card.

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