vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
The presence of a derogatory rating on my account is causing me substantial concern and creating significant financial hardship. This negative mark has already directly resulted in the denial of a recent loan application and has led to increased interest rates on my existing credit accounts, demonstrating the immediate and tangible harm it is causing to my financial well-being. The severe financial and emotional distress that this negative rating has imposed on me continues to compound daily, affecting my ability to secure necessary credit and maintain my financial stability. Until this matter is properly resolved, I will continue to suffer ongoing damage to my creditworthiness and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: OR

Complaint narrative:
This reporting is misleading, unverifiable, and violates the Fair Credit Reporting Act under 15 USC 1681, 1681i, and 1681e ( b ). No proper validation has been provided to justify this negative information remaining on my credit profile. This continued misreporting is causing significant and unjust harm to my financial standing.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-06-03 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had incorrect account ( XXXX ) information on my credit report. Please remove from credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
I am the victim of identity theft. A fraudulent account was opened in my name with Current Bank ( XXXX XXXX XXXX  XXXX XXXX, NY XXXX ) without my knowledge or consent. 
On XX/XX/year>, I submitted a written request to the bank for information about this account, pursuant to FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), which requires that a business provide an identity theft victim with documentation of fraudulent transactions/accounts. 
I included : - A copy of my government-issued ID - Proof of address - FTC Identity Theft Report - A copy of the police report filed with the XXXX XXXX XXXX NY ) Sheriffs Department - A written request for the account information Despite satisfying the legal requirements, the bank has refused to provide the requested information. They claimed " a subpoena or warrant is required '', which is not consistent with the FCRA. 

I am requesting the CFPB 's assistance to compel Current Bank to comply with federal law and provide the documentation required under FCRA 609 ( e ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland Funding LLC and XXXX XXXX XXXX Co XXXX has taken a XXXX  out on me. First of all I have never signed anything with Midland Funding. 
Second I have never been served in any way from Midland Funding XXXX I have Not lived at the address they sent anything to in over XXXX  years. 
I have recently written letter to Midland Funding to find out what this is about nothing yet. 
According to the date of judgement it was done on XXXX XXXX ( never received ) According to paperwork I was served on XXXX XXXX for the XXXX  ( never received ) Midland Funding filed in XXXX XXXX XXXX. Never lived in XXXX Va. 
Ive lived in XXXX Va and XXXX Va. 
On XXXX XXXX i received from my employer the XXXX summons. 
Thats pathetic I can get documents from my employer but not the debt collector. 
The court for money to be handed over to Midland Funding is on XXXX XXXX. 
This is not a valid debt and ridiculous how Midland Funding has gone about all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: MD

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-06-03 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: GA

Complaint narrative:
Equifax failed to respond to my specific factual dispute and legal claims under FCRA XXXX ( b ) and XXXX. Their response is vague, non-specific, and does not address any of the documented inaccuracies. I am requesting escalation and further review by a CFPB agent ALSO SEE ATTACHED PLEASE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: CT

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and XXXX  accounts/information reporting to my credit report. These remarks have been XXXX to my life and credit 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 2025-06-03 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: CT

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and XXXX  accounts/information reporting to my credit report. These remarks have been XXXX to my life and credit 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 2025-06-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX XXXX my XXXX XXXX  benefits for XXXX XXXX  was received on my cash app card and I went to withdraw money from XXXX XXXX however the money was not dispensed yet XXXX XXXX was still taken out of my account. I summited receipts and the store owner also can verify I didn't receive anything from the ATM. My account is now negative XXXX. It is now XXXX and they have found the claim denied however they already sent me the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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 am alerting you to fraudulent accounts placed on my credit file following a XXXX XXXX 
Under Section XXXX of the FCRA ( XXXX XXXX. XXXX ( a ) ), please block and delete these accounts within XXXX days : Also, would like to have all XXXX XXXX XXXX REMOVED from my credit report, except for my only XXXX XXXX XXXX  listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX XXXX TX XXXX XXXX delete and block the following accounts from my credit report 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On or about late XX/XX/year> I applied for and received the American Express XXXX XXXX credit card. The promotion for this card at that time was after spending {$3000.00} or more within 90 days of receipt of the card the card holder would receive XXXX XXXX airline miles. On or about XX/XX/XXXX I noticed that after reaching the spending amount of over {$3000.00} I had not received the welcome bonus. 
At this time I opened up an online chat while logged onto my Amex account. After a long wait was informed that I was ineligible for the welcome bonus because of some previous Amex card that I had previously. 
My issue is that I should have been advised at the time of opening this account that I was not eligible for this welcome bonus. Other credit card companies will decline your application for their credit cards when this is the issue. On doing some research on the internet I discovered the following : Yes, American Express XXXX issue a XXXX XXXX card even if they anticipate the welcome bonus will be declined. While the terms state that a welcome offer XXXX not be eligible if the applicant has had certain cards before, Amex will notify you before processing the application if you're not eligible, and you can then withdraw your application. Essentially, Amex will let you know if the bonus won't be awarded, giving you the chance to choose not to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: UT

Complaint narrative:
For a US Bank State Farm credit card. Several issues : XXXX ) A promotion was taken out offering 0 % interest for a number of months. This promotion was paid back in full ; however, interest was charged on it for not just XXXX, but XXXX months after it was paid off. When I called, they said they had ended the promotional cycle early, and this information was listed in a " statement '' which is DIFFERENT from the information you see when you log into online banking. The " statements '' can not even be opened via the online banking ; they must be downloaded, which means they are impossible to open if you're on a shared computer or mobile device. This is VERY deceiving especially given they show DIFFERENT information than what is available when you log into the online banking website. 

XXXX ) To make up for the improperly charged interest, US Bank offered {$50.00} in rewards to be added to my rewards balance. This was supposed to appear on the following statement, which would be available XX/XX/XXXX. As of XX/XX/XXXX, it is not available. 

XXXX ) Interest was again charged for the balance that had been paid 2 months prior. When called, the representative claimed it was a late fee and it was invalid, and said there was nothing she could do to waive it and there was no one to transfer me to. 

XXXX ) The " statement '' issue deserves to be mentioned as this is outrageous. When you log into the online banking website, it shows all your accounts and balances. The representative on the phone is claiming that the statements are different. However, these can only be downloaded onto a device ; they can not be accessed simply looking at them online. This is incredibly misleading and deceiving, especially when they apparently contain different information than what you can see by logging into your account to make payments. 

XXXX ) I called again and spoke with another representative who gave me no options for contesting charges or looking at these other statements. There absolutely needs to be an option for contesting invalid charges to your account. Otherwise, US Bank could just make up whatever charges they want, charge whatever customers they want, and keep stealing money from them. It appears that it what they are doing.

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 2025-06-03 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: CA

Complaint narrative:
I have recently become aware of XXXX accounts due to a XXXX XXXX Under Section XXXX of the FCRA ( XXXX XXXX. XXXX ( a ) ), I request the immediate blocking and deletion of the following accounts within XXXX days : Also, would like to have all XXXX XXXX XXXX  REMOVED from my credit report, except for my only XXXX XXXX XXXX  listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date : 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 2025-06-03 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
I disputed an account being reported by XXXX XXXX XXXX  on behalf of LVNV Funding LLC. The original creditor was XXXX XXXX. I sent a certified dispute letter on XX/XX/year>, requesting full debt validation under the Fair Credit Reporting Act ( FCRA ), including a signed agreement, payment history, original statements, and proof of assignment. 

They failed to respond within the XXXX deadline. I then sent a second hardline deletion letter on XX/XX/year>, demanding the account be deleted due to non-compliance. On XX/XX/year>, they sent a generic summary sheet with no contract, no signature, and no original documentation. 

This does not satisfy the legal requirements for debt validation. They are continuing to report the account to the credit bureaus, which is a violation of the FCRA. I am asking that the CFPB intervene to have this account deleted and ensure LVNV Funding and XXXX XXXX XXXX are held accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Complaint Regarding Denied Access to Credit Report and Blocked Dispute Rights in Violation of the FCRA To Whom It May Concern, I am filing this complaint regarding my repeated inability to access my credit report and dispute inaccurate or incomplete information on my credit file with [ Equifax XXXX Experian XXXX TransUnion ]. 

Despite multiple attempts to obtain my credit report online and through customer service channels, I have been denied access due to identity verification issues or alleged security freezes/fraud alerts. This denial is preventing me from exercising my legal rights under the XXXX XXXX  Fair Credit Reporting Act ( FCRA ) XXXX XXXX, including the right to obtain a free annual credit report ( 15 U.S.C. 1681j ) and the right to dispute and correct inaccurate or incomplete information ( 15 U.S.C. 1681i ). 

I have also submitted written requests along with copies of valid identification and proof of address to verify my identity, but the credit bureau ( s ) continue to block access without providing a clear resolution or explanation. This is causing ongoing harm because inaccurate or fraudulent information remains on my credit report and continues to affect my creditworthiness.

I request that the CFPB investigate this matter promptly and require the credit bureau ( s ) to : 1. Provide me with immediate access to my credit report. 
2. Allow me to dispute and have investigated the inaccurate, incomplete, or fraudulent information on my file.

3. Comply fully with the FCRA and provide written confirmation of these actions.

Thank you for your assistance in enforcing my consumer rights under federal law. 

SincerelyXXXX 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 non-monetary relief