vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: NY

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 2025-05-23 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX I paid a settlement of XXXX to XXXX  for my credit card account (Account NumberXXXX XXXX XXXX XXXX XXXX). XXXX  confirmed receipt of the settlement payment and sent a letter to my home on XXXX XXXX XXXX XXXX XXXX acknowledging that the account was settled in full.\n\nThis account was originally closed by XXXX  due to suspicious activityactivity that I had already informed XXXX was fraudulent and not initiated by me. Despite having been a customer in good standing, they chose to close my account without proper resolution of the fraud claim, which was both disruptive and unjustified. I genuinely valued my XXXX  account and this has caused significant inconvenience and hardship in my financial life.\n\nFurthermore, on XXXX  XXXX XXXX XXXX  correctly reported the account as settled on my credit report.XXXXDespite that, starting in XXXX XXXX, XXXX  began harassing me for an additionaXXXX XXXX, falsely claiming that I still owed a balance. I have contacted XXXX  multiple times, and each time, they acknowledged their error and assured me the account was fixed:XXXX XXXX XXXX XXXX  admitted the mistake and resolved it.XXXX XXXX XXXX XXXX  again confirmed their error.XXXX XXXX XXXX  I spoke to a representative (XXXX XXXX XXXX) about the same issue reoccurring.XXXXDespite all this, XXXX  has now reported the account incorrectly to credit bureaus again, damaging my credit score severely. I am being repeatedly contacted and falsely told that I owe money on an account that was settled and cleared. This is an egregious and ongoing violation of my 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 2025-05-23 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: FL

Complaint narrative:
I have recently become aware of unauthorized accounts due to a data breach. Under Section XXXXB of the FCRA ( 15 U.S.C. XXXX ( a ) ), I request the immediate blocking and deletion of the following accounts within XXXX 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$630.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} Inquiries XXXX XXXXXXXX XXXX  Date : XX/XX/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 2025-05-23 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: VA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 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 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 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, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX withdraws XXXX from XXXX XXXX in the form of a bank check written out to her XX/XX/XXXX XXXX steals XXXX XXXX  and {$9000.00} in cash from her home XX/XX/XXXX XXXX was served with XXXX  with notice etc XX/XX/XXXX XXXX steals {$6000.00} in cash and the {$14000.00} bank check XX/XX/XXXX XXXX deposits the check into Ally bank joint account XX/XX/XXXX XXXX gets restraining order granted in XXXX XXXX XXXX XXXXXXXX goes to XXXX XXXX XXXX  to have them trace the check, XXXX calls Ally bank and tells them that she has filed for divorce, a bank check belonging to her was stolen by XXXX, he forged her signature and deposited it. She was not aware that she was an account holder of this account, the account was fraudulent, She requests the account be locked. She is assured that the account will be locked and an investigation will be conducted The account is locked and then unlocked a week later. Ally investigators never contacted XXXX. XXXX made multiple calls to try to get an update. The account was unlocked without notifying XXXX. XXXX then transferred the money out in a sole account within ally to withdraw the funds.

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 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
I was never contacted regarding the collection of this debt, found it on my credit report. I was making payments to the XXXX, so I was not made aware it was in collections. 

XX/XX/XXXX Sent a letter The amount of the alleged debt, The name of the original creditor, A copy of any documentation or contract that verifies my responsibility for this debt, A detailed payment history or statement for the debt in question. 

I received back a very short statement not from the original bill, name was still incorrect, just interest total, no breakdown. 

XX/XX/XXXX Sent letter again advising that my name was wrong, I believed the debt amount was wrong, and unwarranted interest charges. I requested documentation that the debt belonged to me since they had my name incorrectly. Also requested verification of debt, including an itemized statement detailing the original creditor and contract allowing interest and how it was applied. 

I received a letter stating that the hospital confirmed the balance. With the same generic statement attached, with no details. They changed the name on the letter but then got my address wrong. But name on the statement was still wrong. 

XX/XX/XXXX Sent a letter again. The name on the account remains incorrect, despite previous notifications. My address is also incorrect, indicating a lack of attention to detail. You have failed to produce copies of the original bill or any supporting documentation from the original creditor. Proof that you are legally authorized to collect interest, including a clear explanation of how it was calculated. 
Copies of the original bill and all related documentation from the original creditor. 
Correction of all inaccuracies related to my personal information, including my name and address. 

Again received a genetic statement with the incorrect name. Did finally, a non-detailed statement from the original creditor. But the total was incorrect. 

They have yet to verify how the interest was figured. They seem to want me to just trust them. But when they never notified me this bill was in collections, my name has been incorrect throughout our communication, even though I have told them. My address was wrong. I do not just trust anything they say.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: AZ

Complaint narrative:
I have contacting Transunion, Equifax and Experian over and over again about the accounts that are fraudulently listed on my credit report. They are refusing to help me. None of them have responded to me with a solution. I have attached the police report that I included in my mailed letters to the credit bureaus.

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 2025-05-23 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: AZ

Complaint narrative:
I have contacting Transunion, Equifax and Experian over and over again about the accounts that are fraudulently listed on my credit report. They are refusing to help me. None of them have responded to me with a solution. I have attached the police report that I included in my mailed letters to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: AL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 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 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
After receiving a response to my earlier dispute that the accounts were verified, I contacted the furnisher and received no verifiable response. 
Am requesting a full investigation under the fair credit reporting act ( FCRA ). Please remove this unverifiable items on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax I don '' t know what your scam is but I request the CFPB look at my request for information you are referring to, you send notice with no account, or name then you send you investigated including contacting the furnisher WHO IS IT if you want to play stupid with me i will fill a law suit against you. IM done with your XXXX response again who is this account referring to. respond back to the CFPB, CFPB please look at Equifax shame responses

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was notified by Citi by email on XX/XX/year> that there was a fraud alert for suspicious activity. The charges were XXXX XX/XX/year> {$520.00}, XXXX XXXXXX/XX/year> {$130.00}, XXXX XXXX XXXXXX/XX/year> {$4.00}, XXXX XXXX XXXXXX/XX/year> {$63.00}, XXXX XXXX XX/XX/year> {$150.00}, XXXX XXXX XXXXXX/XX/year> {$190.00}, XXXX XXXX XX/XX/year> {$650.00}, XXXX XXXX XX/XX/year> {$190.00}, XXXX XX/XX/year> {$330.00}, XXXX XX/XX/year> {$45.00}, XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$12.00}. The email I received takes you to the app and I marked the charges as fraud. The charges were still pending. Then it prompted me to have a replacement card issued. I did not authorize these charges. I did not allow anyone to use my credit card. I have not done business or transactions at these locations. I do not know what the XXXX XXXX XXXX XXXX is, I don't know if its a court, DMV, tax accessor, parking? But it appears that that is the first charge and the rest were made the following day. Was my card skimmed? The charges were pending and after I reported them fraud, Citi still allowed the charges to go through. What is the purpose of reporting them fraud? The charges have been placed back on my account and I am being told I am responsible. This is inaccurate. I did not make these charges and your fraud detection and investigation needs to be implemented and enforced to protect the consumer. I will not be held responsible and I will continue to pursue my rights as a consumer. This is a clear violation of UDAAP.

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 monetary relief
Consumer complaint received 2025-05-23 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: GA

Complaint narrative:
There is information thats on my consumer report that appears on my XXXX, Experian, and XXXX consumer reports that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block identified transactions. The identified transactions are not information related to any transaction made by me as the consumer. PLEASE REMOVE AND DELETE THE FOLLOWING INFORMATION BELOW FROM MY CONUSUMER REPORTS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Date opened- XX/XX/year> I Demand for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT. See ATTACHMENT

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 2025-05-23 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: IL

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 2025-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
On XX/XX/year>, I made a manual one-time loan payment of {$480.00} to U.S. Bank . I received an email confirming the payment ( Confirmation Code : XXXX ). Prior to that, I had spoken with a U.S. Bank representative by phone and was verbally approved for a payment deferment due to financial hardship. I was clearly told that no automatic debits would occur during the deferment period. 

Despite this, on XX/XX/year>, U.S. Bank initiated an automatic ACH withdrawal of {$500.00} from my external XXXXXXXX XXXX account. This withdrawal was made without my consent, after a confirmed payment had already been processed, and in direct contradiction to the deferment agreement. 

As a result, my XXXX account was pushed into a severe overdraft of {$580.00}, leading to penalty fees, blocked transactions, and significant stress. I received no warning, no explanation, and no follow-up from U.S. Bank . 

This incident was not only financially damagingit was negligent and dismissive of my vulnerability at the time. I had followed the proper process, fulfilled my payment obligation, and communicated in good faith. U.S. Bank failed to honor that agreement.

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 2025-05-23 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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