vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: IA

Complaint narrative:
I attempted to pay off my Discover credit card using a balance transfer from my XXXX account twice. Both times the transfer was never accepted, and I received no explanation despite calling customer service multiple times. I was transferred from agent to agent, given vague answers, and ultimately dismissed. 

At the same time, I tried to dispute a large transaction I believe was fraudulent. Discover denied the dispute and refused to help, even though I couldnt reach the merchant. After that, I requested hardship payment assistance, and was told I didn't qualify even after being a loyal customer who spent over {$19000.00} and never paid late. 

A XXXX named XXXX later closed my account during a chat session after pressuring me, despite me saying I wanted resolution, not closure. I never received confirmation or full consent for the closure. I was also removed from XXXX XXXX Privacy Protection service without asking for it. 

Ive asked for help repeatedly and been ignored. This feels like discrimination, especially when other customers are offered flexibility, payment plans, and courtesy options. Ive filed a report with Discovers ethics hotline ( XXXX ) and am now filing this complaint due to their continued refusal to address my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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 am sending to formally dispute the accuracy and validity of several collection account entries currently listed on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation and, if appropriate, immediate charge off or removal of these accounts from my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} CAPITAL XXXX XXXX * * * * * * Balance Owed : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$7000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3800.00}

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 2025-05-20 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$4100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$4200.00} XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX -- {$600.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$8500.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$7500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Ive submitted this dispute several times regarding an account on my credit report that I continue to believe is both inaccurate and incomplete. Unfortunately, despite my repeated efforts, the information has not been corrected, and it appears that no thorough investigation has taken place. 

This ongoing issue has caused me considerable stress and is now affecting my daily well-being. The lack of resolution has left me feeling frustrated, exhausted, and disheartened. 

I want to make it clear that I am personally submitting this disputeno one is acting on my behalf. I respectfully ask that this matter be taken seriously and that a full and fair review is completed as soon as possible. 

Thank you for your time and understanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have a Bank Of America reversed mortgage data breach with Have I been drained XXXX  data breaches. I was inquiring about the status of my account from the hacker showing billing statement of compromised phone credentials. I am a XXXX XXXX showing identity theft of my account. I have a delinquent transaction reported to the credit bureau as a data breach from a reversed mortgage.

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 2025-05-20 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: CA

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX there is no XXXX XXXX involved in the filing of this complaint and this complaint has not been made in error.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX there is no XXXX XXXX involved in the filing of this complaint and this complaint has not been made in error.

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 2025-05-20 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$600.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$8500.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$7500.00}

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 2025-05-20 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: AL

Complaint narrative:
I insist that these fraudulent accounts be eliminated from my credit report, as I never opened them and had no knowledge of their existence. Per USC 1681g, I am requesting their deletion within 15 days. Enclosed are relevant documents as proof.

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 2025-05-20 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX * * Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX * * Balance : {$2100.00} XXXX CARD XXXX * * * * Balance : {$3700.00} XXXX XXXX XXXX * * * * Balance : {$0.00} XXXX  XXXX * * * * Balance : {$5400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX * * * * Balance : {$4900.00} XXXX XXXX XXXX * * * * Balance : {$0.00} XXXX XXXX XXXX XX/XX/year> Under XXXX XXXX Code XXXX ( XXXX ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under XXXX XXXX XXXX XXXX - XXXX certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

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 2025-05-20 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: AL

Complaint narrative:
Please delete this unauthorized account from my credit report, as it is not associated with me. I also request a prompt investigation to identify and correct any other errors.

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 2025-05-20 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to correct the erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$7700.00}

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 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I received an email stating that my account was suspended and to call customer service. After reviewing my bank account to confirm the status of my account I called to inquire why it was suspended. 

After speaking to a representative, they informed me that the account was suspended due to unusual activity. When I asked what the specific activity was they stated they couldnt give me that information since the only department ( specialized fraud team ) that can provide it doesnt relay the information to them. When I asked how I can resolve the suspension, I was told to wait for an email that will come at an indeterminate time. 

Since XX/XX/XXXX Ive called, emailed and utilized their chat to inquire and attempt to resolve the account suspension but Ive been told multiple times that they do not know what the unusual activity was that they flagged and how I can resolve the suspension. My account continues to remain suspended and this is my last attempt to push a resolution or close out my accounts and end my relationship with Upgrade.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
My repeated efforts to address the fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful, allowing these unauthorized entries to continue causing significant stress and XXXX  in my daily life. As a victim of identity theft, I never authorized or consented to having this damaging information associated with my name, yet I continue to suffer the consequences of these false records.

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 2025-05-20 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 am sending to formally dispute the accuracy and validity of several collection account entries currently listed on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation and, if appropriate, immediate charge off or removal of these accounts from my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} CAPITAL XXXX XXXX * * * * * * Balance Owed : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$7000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
I am sending to formally dispute the accuracy and validity of several collection account entries currently listed on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation and, if appropriate, immediate charge off or removal of these accounts from my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} CAPITAL XXXX XXXX * * * * * * Balance Owed : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$7000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3800.00}

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 non-monetary relief
Consumer complaint received 2025-05-20 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:
XXXX XXXX, XXXX, XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The XXXX credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXX Balance {$2000.00} XXXX XXXX XXXXXXXX Balance {$2000.00} XXXX XXXX XXXX XXXX {$66000.00}

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 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: NJ

Complaint narrative:
Phone got stolen and they apple paid themselves all the money in account and tried to dispute and got denied. XX/XX/year> Current bank account. XXXX XXXX is the charge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NV

Complaint narrative:
Experian permitted access to or reported information from my credit file to third parties ( including housing-related entities ) without my consent or a valid permissible purpose, violating : FCRA, 15 U.S.C. 1681b : Requires a permissible purpose or consumer authorization for accessing credit reports.

GLBA, 15 U.S.C. 6801 : Requires entities to safeguard personal data and limit its disclosure. 

This complaint is supported by FTC Identity Theft Report # : XXXX. Experian was made aware of this report and has failed to remove the fraudulent accounts or block the reporting as required by FCRA, 1681c-2.

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 2025-05-20 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-20 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:
TRANSUNION AND EXPERIAN HAS ALLOWED CREDITORS TO REPORT FRAUDLENT ACCOUNTS ON MY CREDIT REPORT. THIS ERROR IS ILLEGAL AND UNETHICAL. TRANSUION AND EXPERIAN FAILED TO INVESTIGATE. THE FOLLOWING ACCOUNTS ARE DAMAGING MY CREDIT REPORT REMOVE ALL OF THEFOLLOWING ACCOUNTS IMMEDIATELY. CREDIT XXXX {$710.00}, XXXX XXXX. {$2000.00}, POXXXX XXXX. {$750.00}, XXXX XXXX. {$3500.00}, XXXX {$2500.00}

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