vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Contacted Equifax for a temporary lift so a credit union could do a credit check. Equifax was inaccessible either through the phone, on line or through their employees to facilitate this lift. Contact was initiated on or about XX/XX/year>. Unable to get through to anyone, I wrote them a letter on XX/XX/year> voicing my displeasure. I was not in dire need, but what do people do who are in need and are unable to access their credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: KY

Complaint narrative:
From one billing cycle to the next, US BANK NA changed the amount of rewards points required to redeem them for cash back. It did NOT increase the amount of money received for this exchange. Therefore it now requires the customer, myself, to spend even more money on the card, to still only receive {$25.00} cash back.

The customer, myself, was NEVER informed of this policy change, and it is not what I agreed to when I signed up for this card. This is a blatant attempt to rip off customers.

I demand that I be compensated the {$25.00} I was expecting to be able to redeem this month, as I need it for bills and was in no way warned of this change so that I could adjust accordingly.

US BANK NA has recently shown a pattern of deception against its customers that is disgusting, unprofessional, and un-American. Perhaps they should change their name to XXXX XXXX  XXXX as it would be more suitable to the companys actions.

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 2025-07-10 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 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 2025-07-10 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: NY

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. 

XXXX - XXXX List of Unauthorized Inquiries : XXXX - XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 explanation
Consumer complaint received 2025-07-10 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: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
I authorized the merchant to charge a payment to my credit card for a ONE TIME CHARGE for an acquaintance of mine This was done on or about XX/XX/year> in the amount of {$560.00}. On or about XX/XX/year>, an additional charge of {$560.00} was put on my credit card by the same merchant and was not authorized by me. When I noticed this charge, I immediately called the credit card company on XX/XX/year>, to stop the charge from going through. I was told by the credit card company that I could not dispute the charge because it was still pending and I had to wait for the charge to be finalized. The next day, another charge of {$560.00} from the same merchant showed up on my account. I called the credit card company again and was told I could not dispute these charges because they were still in a pending status. I asked that the card number be shut down and that a new number be issued to me. They said that wouldn't guarantee that more charges would be blocked from coming through from the same merchant. I finally got them to block any charges from that merchant.

After the charges became final, I was able to dispute the two charges totaling {$1100.00} on XX/XX/year>. The credit card company called it an error, and determined that an error did not occur and that " this is an authorized transaction '', and rejected my dispute.

I tried to stop these charges before they were finalized as they were not authorized by me, but the credit card company would not allow me to do that. It doesn't make sense that if a transaction is deemed suspicious by them, they can reverse the transaction, but would not allow me to do the same when I identified it as unauthorized. How can I possibly stop the unauthorized use of my card if someone obtains my card number? I did not sign the credit card slips.!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on accounts for which I have always maintained timely payments. Consumer reporting Agencies play a crucial role in accurately reporting consumer information request a thorough investigation for these discrepancies. I demand that if credit agencies are unable to furnish proof to update the true status of on-time payments I never missed a payment for the following accounts Account Name " XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX Account Name " XXXX XXXX '' Account Number XXXXXXXX XXXX XXXX XXXX XXXX  Account Name " XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: NJ

Complaint narrative:
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, has violated 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 2025-07-10 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: NJ

Complaint narrative:
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, has violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: DE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XX/XX/year>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 explanation
Consumer complaint received 2025-07-10 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: NJ

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/scrub> XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), after making an initial charge of {$6.00} a {$170.00} charge was made to my USAA bank account from a XXXX gas station Ive never visited : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The transaction appeared in my records as : XXXX XXXX XXXX. I had used my card with XXXX XXXX at a different XXXX location earlier that day, which leads me to believe my card information may have been compromisedeither through a tampered terminal or by a dishonest employee. 

I disputed the charge with my bank, closed the account, and submitted an email report to XXXX requesting they investigate the location. I am submitting this FTC report in case there is a larger fraud issue tied to this location or employee.

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 2025-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Truist significantly raised my mortgage payment due to an escrow shortage caused by an overestimated county tax bill, which I have already taken steps to correct. In XX/XX/year>, my monthly payment increased from {$1700.00} to {$3100.00} due to a stated {$10000.00} shortage. I provided updated tax information ( confirming my annual tax should be {$1700.00}, not {$7100.00} ), and filed the appropriate refund paperwork with the county. 

On XX/XX/year>, I visited a Truist branch and was connected with an escrow representative who said an expedited reanalysis would be performed using the updated tax estimate. I was encouraged to make a lower payment ( ~ {$1900.00} ) based on that pending recalculation. Days later, on XX/XX/XXXX, I was told no reanalysis had occurred due to insufficient information. I agreed to temporarily spread the shortage instead, resulting in a new monthly payment of {$2400.00}, which I paid over the phone. 

However, on XX/XX/XXXX, I logged into my account and saw my payment had changed again to {$2400.00}. Upon calling, I was told a reanalysis had been completed on XX/XX/XXXX using a rounded {$7200.00} tax figure despite this directly contradicting both my submitted tax records and what I was told the day before. I requested a copy of the XX/XX/XXXX analysis but was told it was not available to me. I called again and was then told no XXXX reanalysis exists, even though a prior rep had just read it aloud to me. As of now, I have received conflicting payment amounts, no documentation of the reanalysis that is clearly affecting my account, and no clarity on how to proceed. 

Throughout this entire process, I have repeatedly asked for written confirmation of all the verbally guided and promised actions since the only way to communicate is via phone call. Each agent has refused this to avoid a paper trail, and every time I speak with someone I receive information directly contradicting the last.

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 2025-07-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sherloq Group, Inc
State: IL

Complaint narrative:
I received a collection notice from Sherloq Financial regarding a utility debt originally from XXXX XXXX  for the amount of {$2800.00}. On or around XX/XX/year>, I submitted a formal debt validation request in writing. I specifically requested : A copy of the original signed contract or agreement Full breakdown of charges and payment history Proof of assignment or legal right to collect Documentation verifying the debt is tied to me personally Sherloq responded only with a utility bill and a basic summary. They did not provide the legally required documentation. I followed up again in XX/XX/year> and received no reply.

Despite their failure to validate the debt, Sherloq continues to report the account to the credit bureaus, negatively impacting my credit.

This violates : FDCPA 809 ( b ) : Continuing collection without proper validation FCRA 1681s-2 : Reporting unverifiable or inaccurate information after a dispute FCRA 611 / 1681i : Failure to correct or delete after reinvestigation I am requesting the immediate deletion of the account from all credit bureaus, and confirmation that all collection activity has ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: KY

Complaint narrative:
I have called into MOHELA ( part of the Federal Student Aid Loan Officers ). I spoke with a representative. That representative listened to my concerns about my loans. She confirmed I should not be on forbearance, but to correct this issue I would need to speak to a more advanced agent. It was confirmed I can not complete this process online without changes plans, which I did not want to do. I was then transferred. The wait time was 2 hours, with no call back option. I waited over 2 hours, this was after already waiting to speak to the first agent. Then I gave up and hung up as I have other obligations. I sent in a message online about this. I was then sent a generic message about how I can do this online and change plans ( which I do not want to do as I had stated clearly stated in my message ). I was told I could call for additional questions. There was no option to reply to this message. So I submitted another message. I also called back in. I waited on hold to again be told I need to speak with a more advanced agent. I request everything be documented and requested a call back. I was told a call back was not an option. She also indicated she can document it, but could not speak with the advanced agent about it. I would have to be transferred. I mentioned the 2 hour wait. She was aware there are long waits. She suggested I call in on Saturday. I am currently still on hold. I have been on hold for 2 hours and 10 minutes so far and am still waiting. This is unacceptable. The generic message I received also did not address my concern. I have no choice who my loans are managed by as I have federal loans. It is unacceptable to have to wait over 40 min to speak with anyone. Over 2 hours is ridiculous.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-10 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-10 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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, CA XXXX ACCOUNTS : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4800.00} XXXX  - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1600.00}

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 2025-07-10 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, 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