vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BUSEY BANK
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XX/XX/year> Busey Bank XXXX : Unauthorized Credit Inquiry - Request for XXXX Dear Busey Bank, This letter is to formally dispute a hard inquiry placed on my credit report by your company on XXXX XXXX / 2025. My credit report, obtained from - XXXX, XXXX, or XXXX, indicates that you made an inquiry regarding my credit. 

I did not authorize this inquiry, and I have no record of applying for any credit or services with your company. Therefore, this inquiry is unauthorized and inaccurate. If I had applied for a service please provide the reason why I haven't received such goods yet you are reporting a consumer transaction. XXXX things can't be right at this same time. 

I demand that you immediately remove this unauthorized hard inquiry from my credit report with all three major credit bureaus : XXXX, XXXX, and XXXX. 

Furthermore, I request written confirmation that this inquiry has been removed, and that you will not make any further inquiries without my explicit written consent. 

Please send the written confirmation of the removal to my address listed above. 

I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Failure to comply with this request XXXX result in further action. 

I look forward to your prompt response and confirmation of the removal. 

Sincerely, [ Signed ] XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: AR

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was informed by XXXX XXXX my " payment method '' account was being shared by someone I have no idea who they are? Attempt was made, again, on my Debit card on XX/XX/XXXX which was denied due to my locking the card after XXXX ( XXXX ) previous amounts were " pending '' and would be debited, if not reported which I did on XX/XX/XXXX with XXXX XXXX department. 
After receiving an email from XXXX stating my account was being reviewed and several reply emails from me, no information has been received as of this writing. 
This is a serious matter and I'm receiving NO information from those involved in the reconcileation. 

Please help 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 2025-03-31 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: FL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-03-31 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-31 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: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: MI

Complaint narrative:
Due to financial difficulties XXXX closed their XXXX XXXX  less than a year into my XXXX. XXXX XXXX XXXX XXXX ( h ) authorizes loan discharge for XXXX XXXX XXXX XXXXlose before they complete their XXXX. My education was not complete. They closed their XXXX XXXX  and I had nothing to do with that and am demanding the loans be disregarded for the year of my XXXX. Additionally, XXXX C.F.R. XXXX Covers eligibility and process for XXXX XXXX discharge when a XXXX XXXX XXXX XXXX XXXX  XXXX ( d ) Covers XXXX ( XXXX XXXX XXXX XXXX XXXX closed XXXX XXXX XXXX XXXX XXXX. XXXX ( g ) Covers XXXX XXXX closed XXXX  discharge.

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 2025-03-31 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: NY

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established under my name. I would appreciate it if you could consider this situation while reviewing my credit report and take appropriate actions to rectify any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: NC

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

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 2025-03-31 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: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MRS BPO, LLC
State: NC

Complaint narrative:
I am writing to file a formal complaint regarding the handling of my XXXX XXXX account, which was transferred to collections under the name of MRS BPO. This complaint involves multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), specifically concerning the failure to report the collection account accurately, along with discrepancies on my credit reports. 

XXXX XXXX and the collection agency MRS BPO have failed to report the collection account accurately on my credit report. MRS BPO, which holds the collection account, does not appear at all on my credit report. This failure violates the FCRA, which mandates that accurate information must be reported to consumer reporting agencies.

Discrepancies and Inaccuracies on Credit Report : No Payment History Reported to XXXX and XXXX : There is no payment history reported to XXXX and XXXX for this collection account, which is a violation of the reporting standards under the FCRA. 

Inaccuracies in XXXX and XXXX XXXX : The original balance and current balance listed on my credit report for this account do not match. This discrepancy violates the FCRA requirement to report information accurately. 

Listed as Both Open and Closed Account : The account is being reported as both open and closed in different sections of my credit report. This conflicting information violates the accuracy standards set forth under the FCRA. 

Violation of FDCPA & FCRA : FDCPA Violation : Under the FDCPA, debt XXXX are required to report accurate information to the credit bureaus. The failure of XXXX and MRS BPO to report this collection account correctly may be considered a violation of the FDCPA.

FCRA Violation : Under the FCRA, all information reported to consumer reporting agencies must be accurate. XXXX and MRS BPO are in violation of these standards by failing to properly report the collection account, and by reporting inaccurate information such as the open/closed status, incorrect balances, and lack of payment history.

I have previously sent two letters requesting debt validation tXXXX XXXXXXXX at the addresses " XXXX XXXX XXXX XXXX, TX XXXX '' on XX/XX/XXXX which I never received a response from, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX '' on XX/XX/XXXX which was returned to me. This failure to respond also violates provisions under the FDCPA, which mandates that debt XXXX provide verification upon request.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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 formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
Flag star mortgage approved a Loss mitigation on my mortgage as we faced a hardship, upon getting approved we were told the late pays were to go on the back of the loan, and the other XXXX pays were less money than the original amount owed, those XXXX moves i was approved all got reported as late pays. I asked them to dispute this as XXXX reps told me this should be reporting as payment plan. Now credit has dropped almost XXXX points because they have XXXX missed pays on my mortgage. They claimed they disputed it but didnt send any communications regarding their decision- upon transfer of title to XXXX XXXX XXXX can no longer speak to flagstar bank as they know longer hold title

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$10000.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
This dispute has been going on since XX/XX/year>. I had the worst hotel experience ever. After bugs, leaks, black mold etc I wrote a statement I was asked to write by the hotel manager. She told me she would make it right and she personally checked me out and charged me {$0.00}. She gave me her business card and asked that I follow up. She never returned any of my contact nor the Better Business Bureau. Now that I read the reviews I realized this is her pattern and my complaints are mirrored throughout the reviews. I be sent pictures of the horrible conditions, of the receipt charging me {$0.00}, correspondence the Better Business Bureau, copies of reviews I located where customers explain the bad conditions and were too promised a refund. Apple is not getting this situation resolved after 7 months. Where is the protection for the consumer? This is beyond unfair and very stressful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-31 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: NV

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Dear CFPB, I am filing a formal complaint regarding the 2021 XXXX data breach, which exposed my personal and financial information, including my PNC Bank account number ( XXXX ), routing number ( XXXX ), and consumer ID ( XXXX ). This breach has put me at risk of identity theft and financial fraud, violating my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ).

I request an investigation into T-Mobiles handling of this breach, confirmation of the compromised data, and enforcement of appropriate corrective actions. Additionally, I seek compensation for any damages incurred due to this negligence.

Please provide an update on the steps being taken to address this issue. 

Sincerely, XXXX XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: MO

Complaint narrative:
Equifax is reporting an inaccurate and unverifiable collection account from XXXX XXXX XXXX ( original creditor : XXXX ) in violation of the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 USC 1681i ( a ) ( 7 ), I requested a method of verification, but Equifax has failed to provide verifiable proof. 

Furthermore, XXXX has already deleted this same account from my credit file due to its failure to meet FCRA accuracy standards. This discrepancy between credit bureaus violates 15 USC 1681e ( b ), which mandates maximum possible accuracy. Equifaxs failure to remove this account is an act of willful noncompliance under 15 USC 1681n. 

I demand the immediate removal of this account from my Equifax credit report and confirmation in writing that it has been deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Bank Unjustly Freezes Newly Opened Accounts Without Justification I recently opened a savings and checking account with Ally Bank, and within less than 30 days, they unjustly blocked and froze my accounts under misleading assumptions of fraudulent activity. Despite verifying my identity and providing all required information, Ally Bank proceeded to restrict access to my funds. 

I initially deposited {$770.00} into my account, yet when I attempted to access my money, I was met with account restrictions. I called multiple times to inquire about the investigation into my account, only to receive no clear answers or assistance. The customer service experience was nothing short of horrendousno transparency, no resolution, and no clear path to rectifying the issue. 

At this point, I want to close my accounts entirely and be refunded the remaining balance. The lack of communication, poor customer service, and unjustified freezing of my accounts have made it clear that Ally Bank is not a trustworthy financial institution. I urge them to take immediate action to resolve this matter.

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