vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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: VA

Complaint narrative:
I have requested from all XXXX credit reporting agencies to remove this charge off account from my credit report and every time I dispute this creditor the information comes back as verified, but each credit reporting agencies can not provide me with a validation as to how this account was verified. I have reached out to XXXX XXXX on several occasions requesting for proof of this account and each time they said you will receive a call from this department or that department and Im yet to get an email or a letter or phone call. On my credit report theres an address reporting on my credit report that I moved into on XX/XX/XXXX that XXXX XXXX claims thats is the address I used to open this account in XXXX of XXXX. I moved to XXXX  XX/XX/XXXX of XXXX and the address that I was living at is not the address that XXXX XXXX claims is whats on my application and I have my lease to prove it I have attached a copy of my my lease with the address and I have also attached my welcome letter XXXX  years later when I moved to the address XXXX  XXXX claims I used to open and account back in XXXX of XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: LA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/year>2025, XXXX XXXX  Date of Inquiry XX/XX/year>2025, XXXX/XXXX Date of Inquiry XXXX/XXXX/2025XXXX XXXX  Date of Inquiry XX/XX/scrub>/2025, XXXX  Date of Inquiry XXXX/XXXX/2025XXXX XXXX Date of Inquiry XX/XX/scrub>/2025, XXXX XXXX  Date of Inquiry XX/XX/scrub>/2025, XXXX  Date of Inquiry XX/XX/year>2025,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: LA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/year>2025, XXXX XXXX  Date of Inquiry XX/XX/year>2025, XXXX/XXXX Date of Inquiry XXXX/XXXX/2025XXXX XXXX  Date of Inquiry XX/XX/scrub>/2025, XXXX  Date of Inquiry XXXX/XXXX/2025XXXX XXXX Date of Inquiry XX/XX/scrub>/2025, XXXX XXXX  Date of Inquiry XX/XX/scrub>/2025, XXXX  Date of Inquiry XX/XX/year>2025,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: MD

Complaint narrative:
THE FOLLOWING CHARGE-OFF ACCOUNTS HAVE BEEN DEEMED AS A PROFIT LOSS ON MY CREDIT REPORTS. REQUESTED A COPY OF THE 1099C IRS FORM, DEBT VALIDATION, SIGNED CONTRACTS AND PAYMENT HISTORY. ACCORDING TO FCRA 15 USC 1681S-2 AND 15 USE 1681EB, THIS IS A VIOLATION OF DOUBLE REPORTING. THEY ARE REPORTING AS A PROFIT LOSS TO IRS AND REPORTING INACURRATE/UPDATING MONTHLY TO THE CREDIT BUREAUS AGENCIES. 

TRANSUNION REPORTING : XXXX XXXX, ACCT # XXXX ( CHARGE-OFF/PROFIT LOSS ) XXXX  XXXX, ACCT # XXXX ( CHARGE-OFF/PROFIT LOSS ) XXXX  XXXX, ACCT # XXXX ( CHARGE-OFF/PROFIT LOSS ) EQUIFAX REPORTING : XXXX XXXX XXXX, ACCT # XXXX ( CHARGE-OFF/PROFIT XXXX ) XXXX  XXXX, ACCT # XXXX ( CHARGE-OFF/PROFIT LOSS ) XXXX XXXX, ACCT # XXXX ( CHARGE-OFF/PROFIT LOSS ) XXXX, ACCT # XXXX ( CHARGE-OFF/PROFIT LOSS ) EXPERIAN REPORTING : XXXX  XXXX, ACCT # XXXX ( CHARGE-OFF/PROFIT LOSS ) XXXX  XXXX, ACCT # XXXX ( CHARGE-OFF/PROFIT LOSS ) XXXX/XXXX/XXXX. ACCT # XXXX ( CHARGE-OFF/PROFIT LOSS )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
XXXXI attended the school well I try to attend the school last year and I was going to school for computer signs in football but for some odd reason at this school, they are having a lot of lawsuits and many many students are complaining about the paperwork that they are doing and using it University they are also lying to students and having the students come into their school and changing up everything once you are already enrolled and they have their money. They also are going to open up loans with FASFA without any consent of the student or parent and when you contact them and ask them why they are demanding you to pay because they are scamming students out of their money and they have this discontinued all football at their school so they basically scammed a lot of students and have people signed to their school and sign a bunch of paperwork and they do not follow through with none of the payment plans and I also only attended this school for roughly about XXXX XXXX months and when I withdrew from the school they also let me know that everything should be removed and I am now checking my credit and I have two loans under my name from disc specifically that shouldve been removed and when I contact the school and this lender, they both are acting clueless and before I move forward with my lawyer and take this matter into the court, hands and file a lawsuit towards XXXX XXXX XXXX XXXX XXXX, Texas I am trying to contact you guys to get this removed off my credit before the problem escalate'

Company response to consumer: Untimely response
Consumer complaint received 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
This person hacked into a friend 's XXXX  account, posting things for sale, communicated via XXXX  XXXX, and then requested payment via XXXX  or XXXX. 
Luckily, I got suspicious when they wanted the memo to read " between friends ''. 
When I tried calling my friend and she didn't answer, I messaged that I was suspicious of SCAM. They blocked me from the conversation and deleted/closed her XXXX  account. 
The person 's XXXX  account that got hacked : XXXX XXXX They did scam a friend of hers for {$4000.00}, as she directly sent the money to their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: TX

Complaint narrative:
I opened this business checking account with US bank on XX/XX/XXXX. 
On XX/XX/XXXX, I noticed that I was charged {$6.00} fee on my checking account on XX/XX/XXXX. I contacted the customer service and was informed that this was a paper statement fee. However, I was very sure that I specifically select paperless statement when I opened this account. The agent XXXX refunded me this fee upon request. 
But it didn't fully resolve my concern. Could it be a systematic error, that may affect many other customers. I requested to talk to a manager or supervisor regarding this issue, but the agent would not connect me to anyone, or help to request a call back.

So here I'm submitting this complaint regarding this issue and request US Bank to review their system and to answer below 2 questions : 1. How did their system make this mistake, and charged me a paper statement fee when the account was set up with paperless statement option?

2. Did it happen to other customers, if so how are they going to correct them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: IL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: IL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
XX/XX/XXXX at around XXXX i went to the atm with my mom and tried to deposit XXXX XXXX the machine got jammed or something idk. it took the money but it did not go to my account. that was like all my money so i started yelling, crying, freaking out. I couldn't do anything and it wouldn't let me deposit more cash to try and get the jam or anything. the next morning my dad called the bank and told them what happend. they immediately recognized it and gave me the money back. it popped up as a credit deposit but the bank tellers at my bank said it was fine. so now they took back the XXXX and made my account overdraw in like late XXXX early XXXX. they keep denying my dispute and i dont know how if they can just look at the camera. I'm so distraught i dont know what to do but keep bringing it to different people. this was all citizens bank and the specific atm was on XXXX XXXX XXXX XXXX XXXX XXXXXXXX so now im calling fraud dept right now. he is putting it to review a XXXX  time. it will take another XXXX business days???? i think it will be denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-26 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:
These accounts are being reported under my name without my knowledge, consent, or authorization. I have never opened, managed, or approved these accounts. This is a serious violation of my rights and has resulted in false and misleading information being attached to my financial record. 

I take my credit profile extremely seriously, and the presence of these fraudulent accounts is both unacceptable and deeply alarming.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
This agency is infringing on your consumer rights by using misleading, false, and deceptive tactics. I've already tried to resolve these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensate me or remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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:
Experian, I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. My personal information has been compromised through XXXX  data breach, XXXX data breach and XXXX XXXX  data breach. Please remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. The fraudulent accounts are as follows : XXXX XXXX {$1200.00}. XXXX XXXX {$6300.00}. XXXX XXXX XXXX {$1100.00}. XXXX XXXX XXXX is not mine. Section 605B of the Fair Credit Reporting Act, REQUIRES you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 15 USC 1681i requires 100 % accuracy of all reported information.

Additionally, Experian has allowed re- insertion of some items to my credit report. This is a request for your method of verification under Section 611 of the FCRA. Experian 's response should include the documents used to confirm the accuracy of all " verified '' and or re-inserted tradelines reported tradelines. This includes but is not limited to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX original credit application, account statements, or accurate identification. I appreciate your prompt attention to this matter, and await your reply. FTC report attached. 
Sincerely, 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 explanation
Consumer complaint received 2025-07-26 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: Mercury Financial Intermediate LLC
State: AL

Complaint narrative:
A company is reporting information on my report that is incorrect. I have filed dispute after dispute trying to fix this issue but continues to report incorrectly.. They continue to report an accoubt as charged off and sold when this account was included in my bankruptcy that has now been discharged .This company ( Mercury Financial XXXX XXXX XXXX XXXX and also the company who bought the debt XXXX  XXXX XXXX have both been listed as creditors on my bankruptcy but they continue to ignore it .. I uploaded documents to the credit bureaus but it always comes back the same..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: SC

Complaint narrative:
My personal information was leaked in the XXXX data breach my identity was stolen and I dont recognize any of these items on my credit and I would like them removed immediately. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging system issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: CA

Complaint narrative:
I am a victim of identity theft, and an account with XXXX XXXX XXXX was fraudulently opened in my name without my knowledge or consent. Despite taking all appropriate steps to address this issue, the account continues to negatively impact my credit report. I have submitted four formal dispute letters to the credit bureaus and directly to XXXX XXXX. In addition, I have emailed and called their customer service multiple times, and I provided all supporting documentation, including a filed police report, my FTC Identity Theft Report, and a signed identity theft affidavit. Even after these efforts, the account remains on my credit profile, and XXXX continues to verify the account as accurate, which is causing me significant financial and emotional distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: CA

Complaint narrative:
I am a victim of identity theft, and an account with XXXX XXXX XXXX was fraudulently opened in my name without my knowledge or consent. Despite taking all appropriate steps to address this issue, the account continues to negatively impact my credit report. I have submitted four formal dispute letters to the credit bureaus and directly to XXXX XXXX. In addition, I have emailed and called their customer service multiple times, and I provided all supporting documentation, including a filed police report, my FTC Identity Theft Report, and a signed identity theft affidavit. Even after these efforts, the account remains on my credit profile, and XXXX continues to verify the account as accurate, which is causing me significant financial and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: NY

Complaint narrative:
I recently reviewed my credit report and was shocked to discover several accounts that I did not authorize or recognize. I have been a victim of identity theft and have already submitted a report with the FTC ( Report Number : XXXX ). The fraudulent accounts include : XXXX XXXX XXXX Account ending in XXXX, fraudulent balance : {$720.00} XXXX  XXXX Account ending in XXXX, fraudulent balance : {$3500.00} XXXX  XXXX Account ending in XXXX, fraudulent balance : {$2900.00} XXXX XXXXXXXX XXXX XXXX Account ending in XXXX, fraudulent balance : {$1700.00} XXXX XXXX  XXXX Account ending in XXXX, fraudulent balance : {$760.00} These accounts were opened without my knowledge or consent. I am requesting the immediate deletion of these fraudulent accounts from all credit reports. I am also attaching my official FTC Identity Theft Report as supporting documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: NC

Complaint narrative:
This is now my XXXX  formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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