vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Dear Equifax On XX/XX/XXXX, I reviewed my credit report and identified several discrepancies. 
Consequently, on XX/XX/XXXX, I sent a letter to Equifax requesting a reinvestigation of the following accounts : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX and XXXX, XXXX. Attached is the tracking number for this correspondence : XXXX On XX/XX/XXXX, I received a response from Equifax indicating that their investigation was complete and the accounts in question were deemed accurate. However, upon reviewing my report again, I noticed that no changes had been made. 
Account Information : - Account Number : XXXX, XXXX - Creditor Name : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX - Details Inaccurate According to 15 USC 1681i ( 5 ), XXXX is required to treat inaccurate or unverifiable information in the following manner : ( A ) In general : 1. If, after reinvestigation, any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that item of information based on the results of the reinvestigation.2. The consumer reporting agency must promptly notify the furnisher of the information that the information has been modified or deleted from the consumer 's file.

Additionally, under 15 USC 1681e ( b ), XXXX must ensure the accuracy of their reports : ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

Furthermore, according to 15 USC 1681s-2 : ( A ) Reporting information with actual knowledge of errors : A person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if : 1. They have been notified by the consumer, at the address specified for such notices, that specific information is inaccurate ; and 2. The information is, in fact, inaccurate. XXXX has not properly reinvestigated my claims and has falsely asserted that they have done so. I have evidence to substantiate my case and request that this matter be addressed immediately and accurately. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I was required by Citizens Bank HELOC staff to open a Citizens Quest Checking account in order to qualify for a discounted interest rate. After following their instructions and depositing over {$300.00} across several transfers from my XXXX XXXX  account ( XX/XX/XXXX XX/XX/XXXX ), I was later denied the HELOC due to a residency requirement that I had disclosed at the beginning of the process. 
Despite multiple documented transfers ( including {$50.00} on XX/XX/XXXX, and {$170.00} out on XX/XX/XXXX ), I was never given proper access to the account. I received a Citizens eStatement notification in XXXX confirming the account was live, but Citizens support and fraud departments now claim they can not locate the account or provide my balance. 
Ive been denied online access, card use, and visibility into funds that were clearly deposited and moved. I was told the card was unlocked for 5 minutes but I never had functional access. All attempts to resolve this with the company have failed. I have documentation proving activity, including Citizens-issued confirmations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am submitting this formal complaint regarding Experians violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. 
On XX/XX/XXXX, I disputed several fraudulent accounts and provided Experian with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Experian failed to block the disputed items within the four business days required by 605B and instead verified the accounts without disclosing the sources or evidence of verification, violating 611s mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as Andrews v. TRW Inc. and Menashe v. XXXX XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs 2012 bulletin underscores Experians failure to uphold consumer protections under the FCRA.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date : XX/XX/year> Mohela XXXX XXXX XXXX XXXX, MO XXXX Subject : Request for Debt Validation under the FDCPA Dear Mohela, I am writing in response to a letter received on XX/XX/year>, in which you claim I owe a debt. I am formally requesting that you provide validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following : 1. The amount of the alleged debt ; 2. The name of the original creditor ; 3. A copy of the original contract or agreement bearing my signature, or other documents proving I am legally obligated to pay ; 4. Verification that your agency is authorized to collect this debt ; 5. The date of the
original debt and proof that the debt is within the statute of limitations ; 6. A full accounting of any interest, fees, or charges added to the original debt ; 7. Your companys license number and the name of the state that issued it ( if applicable in my state ).

Please note that during the validation period, and until this debt is validated, you are required to cease all collection activities, including reporting this debt to any credit reporting agencies. 

I also request that you do not contact me by phone. All future communication must be in writing. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Complainant : XXXX XXXX Subject : Failure to Provide Required Method of Verification FCRA Violations I, XXXX XXXX, am submitting this formal complaint regarding your agencys failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically related to my right to receive the method of verification under 15 U.S.C. 1681i ( 7 ).

On my own behalf as a natural person, I previously submitted a dispute requesting an investigation into the accuracy of several accounts and personal information listed on my credit report. Your agency has responded with a general " verified '' status, but failed to provide a proper description of the reinvestigation procedure, including : The name, address, and telephone number ( if available ) of any furnisher contacted The identity of the individual who verified the dispute Any documentation relied upon during your reinvestigation Disputed Items Include : Accounts Reported as Charge-Offs : XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccurate Personal Information : Previous Address : XXXX XXXX XXXX, XXXX  XXXX XXXX KS XXXX Previous Address : XXXX XXXX XXXX XXXX, XXXX  XXXX, KS 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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
These accounts are the result of identity theft and were not opened, authorized, or used by me. I have informed the credit bureaus and original creditors, submitted all required documentation under the FCRA, and requested deletion. Both the credit reporting agency and the data furnisher have failed to comply with FCRA provisions, including the obligation to block fraudulent accounts upon receipt of proper identity theft documentation. Please delete these items immediately to remain in compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Greetings, I am sending this complaint to request an investigation into the fraudulent inquiries on my credit report. I ask that the three Credit Bureaus conduct an investigation intothe fraudulent inquiries as required by law. Please see below the listed fraudulent inquiries that require investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: OR

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against U.S. Bank for mishandling a fraud claim I filed on XX/XX/XXXX. XXXX. 

On XX/XX/year>, I was struck by a car and XXXX  until XX/XX/year>. My phone and wallet were stolen as a result of the incident. On XX/XX/XXXX. I submitted a fraud claim for XXXX in unauthorized charges made during my hospitalization. I provided U.S. Bank with both a police report and a XXXX  discharge summary as proof of XXXX XXXX XXXX and victimization. 

Despite this, U.S. Bank denied my claim the very same day it was filed -- without a proper investigation or explanation. Their representatives claimed I " benefited '' from the charges, which is simply not possible. I was under medical care and had no access to my phone, cards, or bank account. 

I believe this denial was premature, careless, and in direct violation of consumer protections regarding fraud investigation and resolution timelines. U.S. Bank has refused to reopen my claim, provide documentation of their investigation, or reinstate the provisional credit. 

I am requesting the CFPB 's assistance in ensuring that U.S. Bank : XXXX. Reopens my fraud claim immediately. 

XXXX. Reinstates the full provisional credit of {$3800.00}. 

XXXX. Provides a full explanation of the basis for the original denial. 

XXXX. Is held accountable for failing to investigate the fraud claim in good faith. 
All documentation submitted to U.S. Bank -- including XXXX XXXX XXXX and the police report -- can be reattached to this complaint if needed. 

Thank you for your assistance in resolving this matter. 

Sincerely, 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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX XXXX & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual abou t whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently reviewed my credit report and discovered that I have become a victim of identity theft. There are numerous unauthorized hard inquiries listed under my name which I did not initiate nor authorize. These inquiries appear to be connected to multiple auto finance and lending companies, and they are compromising my credit profile and personal financial integrity. 

The following are the unauthorized hard inquiries I found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Additionally, these are inaccurate personal details reported on my credit file : Incorrect Name - XXXX, XXXX, XXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXX, NC, XXXX Incorrect Address - XXXX XXXX XXXX XXXXXXXX, NC, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, NC, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, NC, XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, NC, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, NC, XXXX This is my second formal complaint to the CFPB regarding unauthorized credit inquiries and inaccurate personal information found on my credit report. Despite providing documentation in my previous dispute, including a valid FTC Identity Theft Report, my concerns remain unresolved. 

I am again requesting immediate action to : Remove all unauthorized hard inquiries listed under my name that I did not initiate or approve ; and Correct or delete all inaccurate personal information that may be linked to fraudulent activity.

The continued presence of this fraudulent information violates my rights under the Fair Credit Reporting Act ( FCRA ) and is severely impacting my credit profile. 

I urge the CFPB to take prompt enforcement action and ensure that the credit bureaus and data furnishers fulfill their legal responsibility to investigate, correct, and remove these disputed items. 

I am a confirmed victim of identity theft, and I am relying on the CFPB 's protection to restore the accuracy and integrity of my credit file.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently reviewed my credit report and discovered that I have become a victim of identity theft. There are numerous unauthorized hard inquiries listed under my name which I did not initiate nor authorize. These inquiries appear to be connected to multiple auto finance and lending companies, and they are compromising my credit profile and personal financial integrity. 

The following are the unauthorized hard inquiries I found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Additionally, these are inaccurate personal details reported on my credit file : Incorrect Name - XXXX, XXXX, XXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXX, NC, XXXX Incorrect Address - XXXX XXXX XXXX XXXXXXXX, NC, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, NC, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, NC, XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, NC, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, NC, XXXX This is my second formal complaint to the CFPB regarding unauthorized credit inquiries and inaccurate personal information found on my credit report. Despite providing documentation in my previous dispute, including a valid FTC Identity Theft Report, my concerns remain unresolved. 

I am again requesting immediate action to : Remove all unauthorized hard inquiries listed under my name that I did not initiate or approve ; and Correct or delete all inaccurate personal information that may be linked to fraudulent activity.

The continued presence of this fraudulent information violates my rights under the Fair Credit Reporting Act ( FCRA ) and is severely impacting my credit profile. 

I urge the CFPB to take prompt enforcement action and ensure that the credit bureaus and data furnishers fulfill their legal responsibility to investigate, correct, and remove these disputed items. 

I am a confirmed victim of identity theft, and I am relying on the CFPB 's protection to restore the accuracy and integrity of my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am submitting this formal complaint regarding Equifaxs violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. 
On XX/XX/XXXX, I disputed several fraudulent accounts and provided Equifax with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Equifax failed to block the disputed items within the four business days required by 605B and instead verified the accounts without disclosing the sources or evidence of verification, violating 611s mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as Andrews v. TRW Inc. and Menashe v. Bank of New York, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs 2012 bulletin underscores Equifaxs failure to uphold consumer protections under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

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