vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2025-03-25 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: GA

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
On [ XX/XX/year> ], I attempted to access my Ally Bank account and found it locked. I called customer support and spent over an hour attempting to verify my identity. They incorrectly determined that I am not the account holder, despite providing all required documentation and information. 

As of now, my funds totaling approximately {$1600.00} are inaccessible, and I have no way to verify my identity or resolve the issue further. I was not given a clear path forward, and I fear my money is being unjustly withheld. 

I am requesting immediate resolution and access to my account or return of my funds. I am prepared to pursue legal remedies if needed.

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 2025-03-25 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: PR

Complaint narrative:
In my report are this account that not belong to me, I wasvictim for ID theft an the account still reporting on my credit the account are : XXXXXXXX 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 2025-03-25 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:
Please carefully review this complaint, as it was submitted intentionally. My credit report contains mixed information, and I have repeatedly identified accounts, transactions, and items that are not mine. This ongoing issue is deeply concerning and has caused me significant stress and anxiety.

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 2025-03-25 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestion of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experiean, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items. I am requesting immediate corrective action to remove or amend the Experian has failed to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a reasonable reinvestigation of disputed information on my credit report. As a result, inaccurate or unverifiable accounts remain unresolved. 

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, highlighting systemic issues such as the failure to forward consumer-provided evidence to furnishers, accepting unreliable responses, and insufficiently notifying consumers about the outcomes of their disputes. My experience reflects these failures, as Experian has neither corrected nor removed the disputed items on my credit report. 

I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my consumer rights.accounts, as Experians 's inaction violates federal law and my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: MD

Complaint narrative:
XX/XX/year> I tried to retrieve my credit report from TransUnion. My report was never received. The report has multiple unauthorized payments and unrecognizable accounts.

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 2025-03-25 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: WI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica
State: MI

Complaint narrative:
I opened XXXX XXXX XXXX with Comerica and have a personal one already. XXXXXXXX XXXX XXXX XXXX XXXX  I began using as normal until I finished the issue with my personal account. I started getting emails saying my online banking was disabled. For all my accounts numerous times but my card was working and then stopped. I called, My card had a block on it and I had to verify every purchase. The block was lifted and I still began receiving emails saying my online banking was disabled again and then activated then disabled again for all three accounts. I went to the ATM and though I had money in my account it gave me a receipt saying my account was negative. I called customer service and they said someone will call me and help me fix whats going on. I called the branch that opened the accounts and first I get told the manager is in the office looking at my accounts then he switches and says the manager will get back to you shes not here I cant see anything but tells me the account is overdrafted {$26.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve this issue.

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 2025-03-25 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: CA

Complaint narrative:
I hope you're doing well. I'm reaching out to dispute an unauthorized credit inquiry listed on my report. Ive recently reviewed my credit file and noticed an inquiry that I did not authorize in any way. I never gave this company permission to pull my credit, and this inquiry is both unauthorized and fraudulent. This is a serious issue that I expect to be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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:
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 explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
In XX/XX/XXXX, I submitted an online application for a Barclays credit card to take advantage of an offer to receive air miles. I was immediately advised my application needed review. In XX/XX/XXXX, I began receiving letters advising I need to send copies of my Driver License, XXXX card and a utility bill to prove my identity. On numerous occasions I sent the requested documents via fax and USPS. Each time I called to see if I received it, I was informed I was approved. However, I needed to send more documents, or the SSN card was not legible, or the utility bill needed to be for a specific service. Barclays will have record of each request and submission. I have done everything Barclays has requested I do and made numerous submissions of documents proving my identity. However, even after being advised I have been approved, on this date, XX/XX/XXXX, I was informed my application has expired, and I will need to re-apply. How is this possible while I am continuing to submit the requested documents? I was forced to go through unnecessary hoops and my application expired to deny me the rewards offered at the time of applying. After receiving letters from Barclays advising that the application expired 4 days after accepting the SSN card, I am now more convinced the application process was discriminatory and expressed this to the company. I believe having a copy of my driver 's license, which I have never had to provide for a credit card application, allowed for my race to be disclosed and caused questionable continued requests for documentation, which was provided several times and subsequently was not approved and without clear explanation as to why.

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 2025-03-25 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: WI

Complaint narrative:
On or about XX/XX/year> I called Transunion Credit Bureau about inquiries on my current consumer report that are fraudulently reporting false information on my consumer report where there was no offer or transaction with such companies. I asked that these inquiries be removed immediately per FCRA 605B ( 15 USC 1681c-2 ) and 15 USC 1681b . The inquiries in question are as follows : XXXX ) XXXX XXXX XX/XX/year> XXXX ) XXXX Of XXXX XX/XX/year> XXXX ) XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX ) XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX ) XXXX XXXX XX/XX/year> XXXX ) XXXX XXXX XX/XX/year> XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. The representative I spoke with said there is nothing they can do about removing these fraudulent inquiries.

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 2025-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: Home Loan Center, Inc.
State: LA

Complaint narrative:
On XX/XX/year>, Lending Tree out of NC offered me a loan. I had been searching for a n loan with bad credit and for financial hardship. Desperate for a loan I was offered one by this company and it has turned out to be a nightmare. I lost my checking account b with XXXXXXXX XXXX due to this company depositing counterfeit money into my checking account as well as they are currently compromising my XXXX account by changing my passwords. Showing their phone number and email address as my XXXX back up info on my XXXX account. They have it to where I can not get into my XXXX account., I'm currently working n with XXXX to get these people out of my XXXX account. They are able to see everything in my account. These people are driving me crazy and XXXXXXXX XXXX  closed my account andsaid they could no longer do business with me. I did not do anything and the counterfeitcheck they said was deposited online so I argued that with XXXX bc that should tell chaseni had nothing to do with it since it had been delivered online. Not li, e I had the check and deposited it personally. And the checks were of $ XXXX and another for $ XXXX. Idk what happened to the i {$5000.00} I never got. Now this week they are al. Up in my XXXX account. Total mess. These people need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated
State: NY

Complaint narrative:
I have an unemployment card from Way2Go card services and Ive attempted to do a transfer of the funds on that card to my bank account multiple times. The transaction shows as successful but never deposits to my account. Additionally, when trying to withdraw the money at the ATM it says the number of withdraws have been exceeded. I called four different customer service lines that all lead to the same automated system where there is no option to speak to anyone live. None of the options provide insight on my situation and now I can not pay bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX Pa XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] KOHLS/CAPONE XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Credit Reporting Dear KOHLS/CAPONE , I am writing to formally dispute an inaccurate entry on my account, which is negatively impacting my credit report. According to my records, I have made 100 % of my payments on time, yet my account reflects a past-due balance of {$570.00} and a last payment date of XX/XX/XXXX. This information is incorrect and must be corrected immediately. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), creditors and credit bureaus are legally required to ensure the accuracy of the information reported. Specifically : * 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) mandates that furnishers of credit information must not report information they know or have reasonable cause to believe is inaccurate.

* 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires that credit reporting agencies investigate disputed items within 30 days and correct any inaccuracies.

I am demanding that you immediately investigate this matter and provide written confirmation that this error has been corrected. If you fail to rectify this inaccuracy, I will have no choice but to pursue legal action against your company for violating the Fair Credit Reporting Act, including but not limited to, filing a lawsuit for damages resulting from your failure to maintain accurate reporting. 
Additionally, if this issue is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). I expect a written response within 30 days, as required by law. 
Please consider this letter a final demand before initiating legal proceedings. I trust that you will take this matter seriously and correct this error immediately. 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: 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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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