vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-06-25 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: IN

Complaint narrative:
As I was reviewing my TransUnion credit report, I noticed inquiries that are fraudulent. 
XXXX XX/XX/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  XX/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 non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST PORTFOLIO SERVICING INC
State: NC

Complaint narrative:
I made a payment in the amount of {$300.00} on XX/XX/year>. I was advised on XX/XX/year> to check the status of payment and asked why did my available balance reflect {$0.00} credit available of this payment put me well below my credit limit. I was advised that my credit account had been closed prior to that payment so my current card/account couldnt be used. Since Ive received messages from the provider regarding suspending my account due to non-payment and that if I want to continue to access the benefits of the card along with the initial fee Id need to make a payment. This implies that it is still an open or active account which contradicts the information I received following my last payment. The emails, voicemails and text messages that Ive received violates FDCPA and UDAAP by implying this payment on a closed account will open up benefits of the card. Despite the {$300.00} payment that put me well below the limit not allowing available credit or benefits due to the account being closed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-24 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: CA

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 
1681c-2 ) that you, the XXXX  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. 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, CA XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} DP OF EDUC - Account Number : XXXXXXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$870.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$840.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$940.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I mistakenly transferred XXXX XXXX, an ERC-20 token, from my personal wallet to my Binance.US XXXX deposit address. The transaction was successful and is confirmed on the public blockchain ( XXXX XXXX XXXX XXXX The assets were delivered to a wallet controlled by Binance.US. 

I understand XXXX  is not a listed asset on Binance.US. However, the deposit was made over the supported Ethereum ( ERC-20 ) network. For years, I have attempted to resolve this. My original XXXX case ID is # XXXX. My most recent attempt on XX/XX/XXXX ( XXXX ID # XXXX ) resulted in a final refusal from support agent XXXX, who stated that Binance.US is " unable '' to return the assets. 

This statement is misleading. The recovery is technically feasible, as Binance.US controls the private keys to the wallet holding my funds. Their refusal is a policy choice, not a technical limitation. They have failed to provide a detailed explanation for this refusal, despite my request. This constitutes a failure to provide adequate service and a refusal to return customer property that is verifiably in their possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: CT

Complaint narrative:
I am demanding immediate correction of gross inaccuracies, unverified data, and blatant violatio

ns of Metro 2 standards and federal law present in my credit report. Your failure to maintain truthful, accurate, and verifiable reporting is unlawful. You are required under 15 U.S.C. 1681e ( b ) to follow reasonable procedures to ensure maximum possible accuracy. You are further bound under 12 CFR Part 1022 ( Regulation V ) and Metro 2 data f
ield reporting standards, which demand full integrity, accuracy, and proper documentation of every item you report. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  explicitly states that any deviation from Metro 2 standards jeopardizes data integrity. 

Your report contains material deviations, undocumented data, unverifiable claims, and misreporting of personal identifying information. You are reporting derogatory and delinquent data without complete and certified verification of my consent, legal authorization, or original documentation. 

LIST OF ERRORS BEING DISPUTED : PERSONAL INFORMATION BEING DISPUTED : Incorrect Previous Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX Incorrect DOB : XXXX ACCOUNTS BEING DISPUTED : DPEDXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX separate entries ) COLLECTIONS BEING DISPUTED : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX I hereby demand : Physical documentation bearing my wet or electronic signature authorizing the reporting of each account. 

Complete investigation of each disputed item as required under 15 U.S.C. 1681i. You are prohibited from using automated or template form letters to process these disputes. 

Immediate deletion of all unverifiable, incomplete, or inaccurate information under 15 U.S.C. 1681b ( lack of permissible purpose ) and 1681e ( b ).

Full compliance with Metro 2 reporting standards as required for data furnishers, including proper account coding, date of first delinquency reporting, and accurate consumer identification.

You are knowingly violating my consumer rights and demonstrating willful non-compliance with federal standards. Continued reporting of inaccurate information is reckless disregard of your obligations under federal law. 

You have 30 days from the receipt of this letter to comply. Failure to comply will result in my immediate escalation of this matter to the CFPB, FTC, Attorney General, and private legal counsel for full pursuit of statutory damages, punitive damages, and injunctive relief. 

Provide physical copies of all evidence used to verify these accounts along with my updated credit file after corrections are made. 

Consider this your final warning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Truist has been negligent in this entire process since i lost my husband. they hang up on phone calls and and take months to send a piece of paper. What i do get is nothing that helps me gain control of the account that is, one in the trust, two in my name my late husbands name as well as with the county. They are trying to scam me to refinance at a significantly higher interest rate to allow me to see anything that deals with the mortgage. its been 8 months of excuses and the run around.

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 2025-06-24 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the following items that have appeared on my credit report. I believe these accounts have been mistakenly associated with my credit profile and are not mines. They are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 items are inaccurate and do not reflect my financial history. I have not had any accounts or dealings with these entities and their presence on my credit report is incorrect .Please investigate this matter and remove these inaccuracies from my credit report immediately. I have a copy of my credit report from both Equifax and Transunion, highlighting the items in question along with a copy of my identification and utility bill for verification .I appreciation your prompt attention to this matter and look forward to your confirmation that these items have been removed from my credit report. A copy of a police report was sent in the mail and i want to submit a copy email please.I

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report, reported by XXXX XXXX and reflected on my report with TransUnion Consumer Solutions. The account is identified as account number XXXX. I do not recognize this account, and I believe it has been included on my credit report without proper authorization. 

I submitted a formal dispute with TransUnion Consumer Solutions, requesting verification and removal of the account in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), which require that only accurate and verifiable information be included on my report. Additionally, I cited Section 604 ( 15 U.S.C. 1681b ), which mandates that all access to my credit report must have a permissible purpose. 

Despite my dispute, TransUnion Consumer Solutions responded by marking the account as " verified '' or " updated '' without providing any documentation or evidence supporting the accounts validity. I believe this is a violation of my rights under the FCRA, as credit bureaus are required to conduct a reasonable and thorough investigation, and failure to do so can result in liability, as upheld by case law like XXXX XXXX Trans Union XXXX. 

Additionally, the actions of TransUnion Consumer Solutions and XXXX XXXX may constitute a violation of the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) standards. By retaining unverifiable information on my report, they are potentially engaging in deceptive or unfair practices. This inaccurate information has negatively impacted my credit score, affecting my financial standing and access to credit.

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 2025-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: EQUIFAX, INC.
State: TX

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
XX/XX/year> To : Experian, and Equifax Subject : Formal Dispute Request for Permanent Deletion of Charged-Off Account ( XXXX XXXX XXXX XXXX {$11000.00} ) Dear [ Credit Bureau ] Dispute Department , I am writing to formally dispute the accuracy and validity of the following charged-off account that is currently being reported on my credit file : Creditor Name : XXXX XXXX, XXXX Balance : {$11000.00} Status : Charged-Off I do not recognize this account and have no knowledge of ever conducting business with XXXX XXXX, XXXX. I am disputing this item on the basis that it is either inaccurate, unverifiable, or the result of identity theft or erroneous reporting. 

Applicable Federal Consumer Protection Laws : 15 U.S.C. 1681e ( b ) : The Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to maintain reasonable procedures to assure maximum possible accuracy. If the XXXX XXXX account can not be fully verified with original signed documentation and a complete payment history, it must be permanently removed from my credit file. 
15 U.S.C. 1681b : This statute outlines the permissible purposes for furnishing consumer credit information. If this account was placed on my credit report without my knowledge or consent, its reporting may violate this provision.

15 U.S.C. 1681i : Requires that credit reporting agencies must reinvestigate disputed information and delete any item that can not be verified within 30 days. 
15 U.S.C. 1681s-2 : Furnishers of information ( e.g., XXXX XXXX XXXX XXXX or its agents ) are required to ensure the accuracy and completeness of the information they report. Failure to do so may constitute negligent or willful noncompliance. 
My Formal Requests : Immediately open a reinvestigation of the XXXX XXXX XXXX XXXX charged-off account. 
Permanently delete this account from my credit report if it can not be verified with full, original documentation and a lawful basis for reporting. 
Provide written confirmation of the outcome of your reinvestigation and all actions taken. 
Block reinsertion of this account unless fully validated in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

If the account remains on my credit report without proper investigation and legal substantiation, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will consider pursuing civil remedies under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. 
Thank you for your immediate attention to this matter. I expect a timely and lawful resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: MI

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief