vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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:
This morning, I discovered some incorrect accounts appearing on my credit report, and I don't understand how they got there. I reviewed my report as I normally do, but this time I saw unexpected errors. I even refreshed my browser thinking it might be a technical issue, but the accounts were still there. Due to this, Im requesting that the documents I submitted be carefully reviewed to resolve this once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
Subject : Urgent Attention Required - Strong Objection to Illegal Collection Account on My Credit Report Dear Sir/Madam, I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : XXXX XXXX Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  I AM OUTRAGED BY THE RIDICULOUS AMOUNT OF {$13000.00} XXXX XXXX XXXX XXXX Date of Account : XX/XX/year>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
Consumer complaint received 2025-05-01 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: NJ

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 explanation
Consumer complaint received 2025-05-01 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: NJ

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: GA

Complaint narrative:
XXXX in the XXXX XXXX  sent over a settlement in which I do have the entire phone call recorded - along with the settlement agreement I have attached here. XXXX XXXX was paid the settlement in its entirety by money order per their request. The account was settled and paid but XXXX XXXX is still reporting an inaccurate balance on my credit report when the account should be paid and closed.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX in the XXXX XXXX  sent over a settlement in which I do have the entire phone call recorded - along with the settlement agreement I have attached here. XXXX XXXX was paid the settlement in its entirety by money order per their request. The account was settled and paid but XXXX XXXX is still reporting an inaccurate balance on my credit report when the account should be paid and closed.

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 2025-05-01 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: GA

Complaint narrative:
XXXX in the XXXX XXXX  sent over a settlement in which I do have the entire phone call recorded - along with the settlement agreement I have attached here. XXXX XXXX was paid the settlement in its entirety by money order per their request. The account was settled and paid but XXXX XXXX is still reporting an inaccurate balance on my credit report when the account should be paid and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: NC

Complaint narrative:
b'I am a victim of trafficking. The information listed below, which appears on my credit report,\nis the result of that trafficking.\nACCOUNTS:\XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: Global Lending Services LLC
State: MS

Complaint narrative:
In around or near the time of XX/XX/XXXX I was in a horrible XXXX  XXXX  when my XXXX XXXX burglarized my home and stole my personal information drivers license and my social security card then opened an auto loan using my personal information to obtain an auto loan from lender which is currently on my credit report GLOBAL LENDING SERVICES with the account number being XXXX, opened on the date of XX/XX/XXXX. Please remove as i am a victim of Identity Theft and attached is my FTC statement and Police Report, utility bill and statement letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: MA

Complaint narrative:
This CFPB complaint is being filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , permanently remove information appearing on my credit report that is a result of identity theft within four business days of you receiving this complaint. This fraudulent, inaccurate, and false information includes of a personal credit card opened with XXXX XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX under account number XXXX, XXXX XXXX  XXXX on XX/XX/XXXX under account number XXXX, XXXX XXXX on XX/XX/XXXX under account number XXXX, XXXX XXXX on XX/XX/XXXX under account number XXXX and a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX XXXX with a balance of {$650.00}. These accounts contain multiple fraudulent hard inquiries and collections that appear on my consumer FICO credit report. Attached is a list of the hard inquiries and a copy of the consumer 's FICO credit report maintained by you, which shows the above-mentioned fraudulent items. I do not recognize the previously identified accounts, the collections account, or the hard inquiries as reported. None of the above-mentioned accounts, collections, or hard inquiries were opened, made, or initiated by me. All were a result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Complaint # XXXX as proof from the US Federal Trade Commission that all 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 2025-05-01 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: CA

Complaint narrative:
My credit report has items that have resulted from fraud. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. Do anything necessary to remove them from my report. Please.

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 2025-05-01 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:
I am writing to formally request the removal of a XXXX XXXX XXXX XXXX account with a {$720.00} balance from my credit report. I disputed this account with XXXX, and after their investigation was completed on XX/XX/year>, the account was deleted from my XXXX credit report. This deletion confirms that the account is unverifiable, and your agency is now legally required to take similar action in accordance with the Fair Credit Reporting Act ( FCRA ). 
Under FCRA 611 ( a ) ( 1 ) ( A ), credit reporting agencies must report only accurate, complete, and verifiable information. Since XXXX has determined that this account can not be verified and removed it from my credit file, your agency must comply with the same requirement to ensure accurate reporting. 
Furthermore, FCRA 609 and 611 state that if disputed information can not be verified within 30 days, it must be removed from the consumers credit report. I respectfully request that you investigate and remove this unverifiable account from my credit file within the legally mandated 30-day timeframe. 
Failure to comply with this request may result in legal action. FCRA 616 and 617 grant consumers the right to seek damages and take legal action against credit reporting agencies that fail to uphold their obligations under federal law. Should your agency continue to report unverifiable information, it may face liability for damages caused by inaccurate reporting. 
I have attached a copy of my XXXX credit report confirming the deletion of this account for your review. Please provide written confirmation once the account has been removed from my credit report. If you choose not to delete the account, I request that you provide sufficient documentation verifying its accuracy. 
If this matter is not resolved within 30 days, I will escalate the issue by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring additional legal remedies. 
Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Messerli & Kramer P.A.
State: SD

Complaint narrative:
XXXX XXXX bills same company, XXXX sent XXXX 's to court then sent XXXX 's without letting us know. XXXX XXXX. Threatened us with garnishments and jail

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: TX

Complaint narrative:
XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX with EdFinancial were paid off by XXXX XXXX. See attached proof of payment. 
XX/XX/XXXX - EdFinancial incorrectly assessed capitalized interest to those paid off loans. ( see attached ) XX/XX/XXXX thru XX/XX/XXXX - borrower ( me ) made additional payments against the capitalized interest not realizing EdFinancial had incorrectly assessed those fees totaling {$2000.00}. These loans were already paid off. 
XX/XX/XXXX thru Present - borrower ( me ) stopped making payments to these loans. I have made multiple attempts to get EdFinancial to acknowledge their mistake - including providing a cancelled check from XXXX XXXX. My credit rating is in the toilet due to this issue, and now EdFinancial is threatening wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XX/XX/year>, the US bank closed both my business and personal accounts without providing any explanation. I am a mother of two small children, and suddenly being cut off from my own funds put me in a survival situation. It was extremely painful and distressing.

Some time later, I received a check refunding the full amount from the business account and another check with only part of the remaining balance from the personal account. However, {$730.00} still remains in the personal account.

For a year now, I have been visiting the bank and calling the customer support line, but the bank has not explained the reason for holding this money and has still not returned it.

I have encountered rude and dismissive behavior from bank staff. At one branch, I was told to leave and that they would return the money when they decide to. In the beginning, I was able to reach the customer support line, and I was told an investigation would be carried out and a check would be sent. Later, they said the money had already been sent. Now, I can't even get through to the customer support line it feels like they have blocked my number.

What hurts me the most is that the bank has never once tried to contact me, ask any questions, or clarify anything. They simply keep saying there is an investigation. But what kind of investigation? What is the reason for it? 

I am a working person. I pay taxes. I have done nothing wrong. Why am I being treated this way? 

In the end, I decided to write this appeal on this platform. I have all the account statements that clearly show the money is still being held. 

I am in complete despair. It feels like the bank has abused its power and simply stolen this money from me. I truly hope for your help. Thank you.

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 2025-05-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I banked with Navy Federal Credit Union I mobile deposited my paycheck from the state of California controllers office. The bank put a XXXX business day security hold on the check. They did not give any reason as to why the check was flagged for security purposes. I called the bank at XXXXXXXX XXXX  and spoke with a representative who then transferred me to a supervisor by the name of XXXX. I spoke with the supervisor and she informed me she didnt know the exact security reason and said there wasnt anything that could be done. I was also informed that this was their policy no matter what the federal regulations require.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to formally dispute inaccurate information listed on my credit report. The account in question is a charged-off account reported by XXXX XXXX XXXX, account number XXXX. 

Upon reviewing my credit reports from the three major credit bureaus, I have noticed that key dates related to this account including the Last Payment Date and Last Reported Date are inconsistent across the reports. These discrepancies raise concerns about the accuracy and reliability of the data being reported. 

According to the Fair Credit Reporting Act ( FCRA ), all information on a credit report must be accurate, complete, and verifiable. Therefore, I am requesting that you conduct a thorough investigation into this account. Please verify the dates provided by the data furnisher and update or remove the information as necessary to ensure accuracy and consistency. 

To assist in your investigation, I have enclosed copies of the relevant pages of my credit reports from the other bureaus, highlighting the conflicting 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 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/2025, I accepted a Chase promotional 0 % APR balance transfer offer, fully aware of the 5 % transfer fee. To ensure no interest would be charged, I set up automatic payments through the Chase mobile app and selected the Interest saving balance option, assuming it would prioritize avoiding interest especially on promotional balances.

However, I was later charged interest. When I contacted Chase, I was told that automatic payments under the interest saving balance option do not apply to balance transfers, even promotional ones. This was never clearly disclosed. 

Worse, the in-app definition for interest saving balance states : This is the payment amount that allows you to avoid interest on new purchases and not pay off your plans, loans or eligible promotional balances earlier than intended. 

That phrasing is not only confusing, its fundamentally misleading. It implies that Chase actively prevents automatic payments from applying to promotional balances despite those balances being subject to interest after the transfer fee. The interface design and definitions gave me every reason to believe I was paying in a way that avoided interest. 
I attempted to escalate the issue and was told the only way to reach the executive office was via physical mail, with no guarantee of response. Chase refused to refund interest or provide a transparent explanation.

Company response to consumer: Closed with explanation