vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: IN

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 FRAUDULENT INQUIRIES : 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 2025-10-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kornerstone Credit,  LLC.
State: GA

Complaint narrative:
This debt is a FURNITURE LOAN FROM ORIGINAL CREDITOR WHO IS KORNERSTONE CREDIT..... 
DEBT COLLECTOR IS SECURITY CREDIT SERVICES... I NEVER RECEIVED ANY LETTERS IN THE MAIL TO TRY TO RESOLVE THIS ... NO PHONE CALLS.... 

* * * * THIS IS A XXXX COMPANY * * * * WHO WANTS TO KEEP MINORITIES FROM MAINTAINING A GOOD CREDIT REPORT * * * * * I went INTO THE HOSPITAL FOR XXXX HEEL XXXX... ON XX/XX/year>. I HAVE BEEN OUT OF WORK. I I HAD HERNIA XXXX ON XX/XX/year> ... I TRIED TO GET A LOAN MODIFICATION TO REFINANCE OR RESTART THE LOAN. I TRIED FOR A LOAN MODIFICATION... NOTHING HAPPENED. THIS IS A PREDATORY LENDER. I HAVE PAID MY ACCOUNT DOWN. THE ORIGINAL BALANCE WAS XXXX. BUT MY BALANCE IS STILL XXXX. THIS CAN NOT BE CORRECT. THEY NEVER GAVE ME A CHANCE TO PAY THE ACCOUNT. BEFORE IT WENT TO COLLECTIONS. I NEVER RECEIVED ANY COLLECTION NOTICES IN THE MAIL AT ALL. NEVER GOT A CHANCE TO MAKE ANY PAYMENT ARRANGEMENTS. THIS IS NOT RIGHT. THIS IS NOT RIGHT. THIS COMPANY PREYS ON MINORITIES CHARGING HIGH INTEREST RATES.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: LA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT 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 FRAUDULENT INQUIRIES 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 2025-10-16 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: GA

Complaint narrative:
I am a victim of identity theft and would like these accounts removed

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 2025-10-16 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: Goal Structured Solutions, LLC
State: FL

Complaint narrative:
Launch Servicing , LLC and XXXX XXXX XXXX XXXX are reporting a fraudulent solar loan under my name. The loan was signed only by my late husband, and I never authorized or signed anything related to it. All billing, emails, and notifications from the beginning have been sent to my husband, not to me. Even when I call, no account or information is connected to my name. 

On XX/XX/year>, my friend called Launch Servicing with me on speakerphone to dispute this issue. We told the representative at least three separate times that there was no Launch Servicing account showing on my credit report. The representative repeatedly talked over us and said, It will show up. A few days later, the account suddenly appeared for the first time on my credit report, backdated to XX/XX/year>. 

Launch Servicing later claimed the account had been reported since XXXX, but there was no record of it on my credit file until XXXX. Billing also told us there was no record of our XX/XX/XXXX call and refused to transfer us to compliance or legal. The timing and missing call record make this extremely suspicious and suggest that my personal information may have been added or modified after that call.

I only discovered this loan after my husband passed away and realized my information had been used without my knowledge. 

On XX/XX/XXXX, a new delinquent account from XXXX XXXX XXXX XXXX also appeared on my credit report, connected to the same fraudulent solar loan. 

This inaccurate reporting has already dropped my credit score by roughly XXXX points, harming my ability to access credit. I have completed a notarized fraud affidavit and request that both Launch Servicing , LLC and XXXX XXXX XXXX XXXX be investigated for improper data reporting, possible backdated reporting, and failure to cooperate in resolving an identity-theft case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: LA

Complaint narrative:
I was recently XXXX  and XXXX of my personal belongings, i filed a police report and was admitted to the hospital. The person who stole my things used my debit card to make several purchases and transfer money using my bank account. The company Sofi bank refused to return my money to me after i filed a dispute claim with them, and then they proceeded to close my account because they said that the balance was negative for over 60 days which was a total lie because I receive my VA benefits to that account every month. This happened on XX/XX/year> and i initiated the claim on XX/XX/year>. I submitted the police reports, and the video evidence that the police also have and also the order from XXXX to show that I had reported my phone stolen and had to order a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
i lost my wallet with my id and cards inside i received messages from navy federal fraud department about tractions been denied. due to wrong pin number i reach out to the bank they close my card and said they will be sending a new one in the mail i never received my card in the mail they filed a claim for me about the traction XXXX the account i received a temory credit for the amount of the charges i also received a letter in the mail my claim was denied. they could not provide me with no reason on why my claims was denied i sent in the police report as well my account was closed for no reason when i report what happen i do have short term memory loss due to the med i take so i keep my pin in my wallet

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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 2025-10-16 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: DE

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

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 2025-10-16 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 discovered several accounts and credit inquiries that I never authorized, opened, or even knew existed. In XX/XX/XXXX, I realized that my credit report contained multiple fraudulent items ; none of which belong to me. This has been a devastating experience that has deeply affected my peace of mind and my daily life. 

I am a barber, and I work with many different people every day who come and go from my shop. Because of the constant flow of clients, its possible that someone took advantage of that environment to steal my personal information and misuse it. This ongoing fraud has caused me tremendous emotional and financial harm. 

I am pleading with the credit bureaus to assist me in removing and blocking these fraudulent items immediately, as they are clear evidence that I have been a victim of identity theft. The fraudulent accounts appearing on my report are as follows : XXXX XXXX  Credit Card Opened in XX/XX/XXXX ; XXXX Personal Loan Opened in XX/XX/XXXX ; XXXX XXXX XXXX Collection Opened in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Credit Card Opened in XX/XX/XXXX ; XXXX XXXX Auto Loan Opened in XX/XX/XXXX Additionally, the following inquiry is also part of the identity theft I have XXXX  : XXXX Inquired on XX/XX/XXXXXXXX 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 2025-10-16 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 FRAUDULENT INQUIRIES 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 2025-10-16 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Consumer Complaint : American Express Gold Delta Amex Card Welcome Bonus Issue Company : American Express Product : Credit Card ( Gold Delta American Express ) Issue : Advertising, marketing, or promotional offer misrepresentation What happened : I applied for a Gold Delta American Express Card on XX/XX/year> and received a confirmation that my application was approved, including a welcome bonus of {$500.00} and XXXX Delta SkyMiles.

Several weeks later, I called to ask about the expected dates for activation and the bonus. I was told the card was delayed. Later, I was informed that the promotion was declined, but the card itself remained approved, which is contradictory and illogical.

Most recently, I was told that I must wait another 30 days for an answer. This sequence of conflicting explanations is unacceptable. I clearly applied based on the promotional offer displayed at the time of my approved application, and I have written confirmation of that offer.

It appears that American Express approved my application with the promotional terms, and then changed or withdrew the offer afterward. 

What I want to happen : I am requesting that American Express honors the original offer that was approved on XX/XX/year> specifically : The {$500.00} welcome bonus, and The XXXX Delta SkyMiles I also request that they provide a written confirmation of the resolution and ensure this does not negatively affect my credit report or standing. 

Supporting information : Application date : XX/XX/year> Product : Gold Delta American Express Offer : {$500.00} welcome bonus + XXXX SkyMiles Conflicting messages received over 3 weeks ( approval delay promotion declined 30-day extension request ) I would like a written clarification of my application status and confirmation regarding the promotional offer. The conflicting information and repeated delays are concerning and may constitute misleading advertising.

Please review and respond within 10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS 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 explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This complaint is legitimate and requires immediate action. My credit report contains multiple inaccuracies that fail to meet the required standard of maximum possible accuracy. These errors are causing serious, ongoing harm to me financially and emotionally and must be corrected or removed without delay.

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 2025-10-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I am closing on my house in a week, I have spent weeks trying to get a loan payoff statement with a freeze letter since my loan is a HELOC. After tons of confusion from both the HELOC side, Mortgage side and Branch I was able to find out that there was a change to my loan that stated my HELOC is being serviced by the mortgage side. No one can access the document that stated this and can only make a request and also I can not get a freeze letter. The title company for my closing is demanding a freeze letter or I can not close on my home. I have one week! This is unacceptable when I can get said documents within 24 hours if it were just a HELOC which is what my loan is! How can no one access these documents? I would never get any type of loan through Citizens as this isn't the only issues I have had. Banking has been completely fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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