vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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:
My credit file now contains fraudulent accounts due to a major data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$590.00} Inquiries XXXX  Date : XXXX XXXX Date : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Activehours
State: GA

Complaint narrative:
I only had {$220.00} left in my account which I'm supposed to manage for two weeks until I get paid again. I'm only XXXX trying to survive on my own. My job has been cutting my hours and I'm no longer able to pay my rent. I was going to use that money to pay for a place to stay but I had to repay the app so of course they took all I had because I was owing {$250.00} plus interest so like {$260.00}. Now my account is negative. And for some reason the app has reduced my limit to {$130.00} so I'm loosing about {$120.00} of my hard earned money and I'm infuriated. Not only that the app hasn't processed any of my payments so I'm unable to access my of my money. I tried messaging the help center but they haven't answered me in almost 4 hours. I don't have a car so this means I can go anywhere right now because I take Ubers to work and I can't eat. Please help me I have help right now. Please ask them to give me my full {$250.00} back so I can survive please. Life is so hard for me right now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Tesla, Inc.
State: CA

Complaint narrative:
I am trying to voluntarily surrender my leased Tesla vehicle due to financial hardship. I have contacted Tesla Finance multiple times via phone and email requesting to return the car responsibly and avoid default or repossession. Instead of offering surrender instructions, Tesla continues to send me the same copy & pasted response urging me toward an early lease termination process that I can not afford ( nearly {$9000.00} ).

Tesla has refused to provide a clear option for voluntary surrender, has disconnected my calls, and has not offered any hardship support or return alternatives. I have documented all of my attempts to resolve this issue in good faith, and I am no longer driving the vehicle. I am trying to return it responsibly, but Tesla is effectively forcing me into repossession.

I am requesting intervention to help me return the vehicle without owing an unaffordable balance and to avoid unnecessary damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Back on XX/XX/scrub> 2025, I filed a complaint with the Consumer Financial Protection Bureau because U.S. Bank changed my address without my consent and the had to override my mailing address in their system. 

Unfortunately, around XX/XX/year>2025, I noticed my address in their system was wrong again. They did not notify me about the change, and they sent mail to that wrong address. After talking to XXXX XXXX, a Client Experience Specialist at U.S. Bank, she told me, The format you would like to see the mailing address in must be manually entered to override the auto-generated format. This indicates that they might have a rogue computer system that they have to override. XXXX wrote to me that, " If you hit edit on the mailing address and didnt make changes but hit saved it will still alert the system you submitted a change. '' She also acknowledged that there is an underline issue with their computer system and also confirmed to me that it might happen again when she wrote The system is automatically changing the unit number to be in front of the street address due to it believing this is the correct format. Now that it has been manually entered to override this, it will display how you want it to be. 

U.S. Bank has changed my address twice without my consent and did not immediately notify me of this change when their rogue system changed it. I find it unacceptable for a financial institution like U.S. Bank to be unable to have a proper system that is biding by the financial laws in this country to meet their basic fiduciary duties as a financial institution. 

Due to these reasons, I have closed the credit card I opened with U.S. Bank in XX/XX/year>2025. They have repeatedly shown a lack of care in accurately representing customers personal information in their system at all times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have encountered difficulties accessing my [ Equifax ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: I.C. System, Inc.
State: CA

Complaint narrative:
This company placed a collection account on my credit report without ever providing proper validation of the debt as required under 12 CFR 1006.34 ( b ) ( 5 ). I never received any verification or documentation from them to confirm this debt is mine. I made multiple attempts to get this resolved directly with them, but they failed to respond appropriately. This is a direct violation of my consumer rights, and Im entitled to compensation for each violation. Im requesting that this account be removed from my credit report immediately or that the company provides proper validation in compliance with the 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 explanation
Consumer complaint received 2025-05-30 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:
I am formally disputing the accuracy and validity of the following items on my credit report and request their immediate removal. The information listed is either outdated, incorrect, or does not belong to me. These accounts are negatively impacting my credit profile without proper justification. 

XXXX XXXX XXXX  XXXX ( XXXX accounts ) : The entries with balances of {$1600.00} ( updated XX/XX/XXXX ), {$2600.00} ( updated XX/XX/XXXX ), are inaccurate. I request the removal of these accounts from my credit report as they do not reflect valid or authorized obligations. 

XXXX, XXXX XXXX, XXXX : These accounts report a {$0.00} balance and have not been updated in several years ( last updates in XXXX, XXXX, and XXXX respectively ). These accounts are no longer open and should not be reported. I request that they be permanently removed from my credit report. 

DEPT OF EDXXXX ( XXXX entries ) : These entries are duplicative and incorrectly inflate my total XXXX  loan debt. I request the removal of all. Please eliminate the redundant and outdated records. 

XXXX XXXX XXXX Collection ( XXXX  XXXX XXXX ) : I dispute this collection account with a balance of {$260.00} ( updated XX/XX/XXXX ). I do not owe this debt and was not notified of any collection by the original creditor. This account is invalid and must be removed immediately. 

XXXX XXXX : This account, showing a balance of {$380.00} ( updated XX/XX/XXXX ), is not recognized and should not be associated with my credit file. I request its complete removal. 

These accounts are not accurate representations of my credit obligations and must be deleted from all consumer reporting databases. I expect confirmation of their removal in writing within the timeframe allowed under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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 formally disputing the accuracy and validity of the following items on my credit report and request their immediate removal. The information listed is either outdated, incorrect, or does not belong to me. These accounts are negatively impacting my credit profile without proper justification. 

XXXX XXXX XXXX  XXXX ( XXXX accounts ) : The entries with balances of {$1600.00} ( updated XX/XX/XXXX ), {$2600.00} ( updated XX/XX/XXXX ), are inaccurate. I request the removal of these accounts from my credit report as they do not reflect valid or authorized obligations. 

XXXX, XXXX XXXX, XXXX : These accounts report a {$0.00} balance and have not been updated in several years ( last updates in XXXX, XXXX, and XXXX respectively ). These accounts are no longer open and should not be reported. I request that they be permanently removed from my credit report. 

DEPT OF EDXXXX ( XXXX entries ) : These entries are duplicative and incorrectly inflate my total XXXX  loan debt. I request the removal of all. Please eliminate the redundant and outdated records. 

XXXX XXXX XXXX Collection ( XXXX  XXXX XXXX ) : I dispute this collection account with a balance of {$260.00} ( updated XX/XX/XXXX ). I do not owe this debt and was not notified of any collection by the original creditor. This account is invalid and must be removed immediately. 

XXXX XXXX : This account, showing a balance of {$380.00} ( updated XX/XX/XXXX ), is not recognized and should not be associated with my credit file. I request its complete removal. 

These accounts are not accurate representations of my credit obligations and must be deleted from all consumer reporting databases. I expect confirmation of their removal in writing within the timeframe allowed under the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/scrub> 2025 XXXX XXXXXX/XX/scrub> 2025 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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian tanked my score sue to information from the XXXX XXXX XXXX. I called the dept to inquire and they said they didnt have a payment on file for the whole time that the account has been opened. Meanwhile, it has been paid since it opened with no form of payment on the loan. There is no way to verify the payments were made. The last 3 months it has gone unpaid without me being notified. I called the Dept and told them the information they are reporting was incorrect and they gave me a Good Standing Letter that I sent to Experian to use for a dispute and Experian still hasnt fixed it. This an issue they have already gone to court about and it still isnt fixed. They are not actually helping fix the dispute and are not accurately receiving up to date information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: HI

Complaint narrative:
I locked my account because it seemed like someone was trying to gain access. When I recently went to unlock it, I was able to contact customer support and provide necessary documents. I followed all necessary steps, received emails saying my account is verified and I should have access yet I still do not. I can not login! And I can not access a live person to help me. The XXXX XXXX phone number, and help articles are all dead end loops!!! They give a pre stated response and close the chat or hang up the call. I am still not able to access my account or funds. All steps they have provided in a email to access my account have proved to be false and do not work. For example it says to try to login and click try another way but there is no option for this to click on. The email they sent says Once you log back in successfully to your account, you will have 24 hours access to update your 2-step verification method but I was never able to log in so I was not able to update the 2 step verification. Now I get an email that if I dont login and respond they will restrict my account to withdrawals only! Is this company a scam?! Very upset.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-30 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 incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial XXXX  and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a 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 2025-05-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. 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