vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: NY

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

1681c-2 ) that you, the XXXX credit reporting agency, 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX INQUIRIES : XXXX XXXX  Date : XX/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 2025-06-26 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:
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 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 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 2025-06-26 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: Early Warning Services, LLC
State: IL

Complaint narrative:
b'Statement for CFPB Submission\n\nConsumer Name: XXXX XXXXConsumer ID: XXXX XXXX XXXXComplaint Summary for CFPB:\n\nI am filing this complaint because I am a victim of identity theft, and I submitted a dispute and identity theft affidavit to Early Warning Services. Despite providing proper documentation, including my FTC Identity Theft Report and a request to block all fraudulent inquiries and accounts under the Fair Credit Reporting Act (15 U.S. Code 1681c-2), Early Warning has failed to take appropriate action or follow up on my request.\n\nI requested that all inaccurate and unauthorized accounts and inquiries be removed or blocked from my consumer file. I also requested documentation related to these fraudulent accounts and verification of how they were opened. So far, I have not received a satisfactory response or any resolution.\n\nAs a victim of identity theft, I am exercising my rights under federal law, and I am asking the CFPB to assist me in ensuring that Early Warning complies with the Fair Credit Reporting Act and responds to my dispute properly.\n\nDisputed Accounts (Request Immediate Removal)\n\nBank Name\nRouting #\nAccount #\nReason for Dispute\nStatus\nXXXX XXXX XXXX XXXXAccount Abuse  Opened/used without consent\nClosed for Cause, UnpaidXXXX XXXXChecking Account Fraud  Unauthorized\nClosed, UnpaidXXXX XXXX XXXX XXXXUnauthorized/identity misuse\nClosed-XXXX XXXXFraudulent/Opened without consent\nClosedXXXX XXXX XXXX  fraud activity\nClosedXXXX XXXX XXXX XXXX XXXX XXXX XXXX fraud, multiple insufficient funds\nClosed-PurgedXXXX XXXX XXXX XXXXAccount opened & closed rapidly  fraudXXXX XXXX XXXX XXXX XXXX XXXXSame as above\nClosed for CauseXXXX XXXX XXXX XXXX XXXXFraudulent activity detected\nClosed\nXXXX XXXXIdentity theft suspected  XXXX XXXXClosed for CauseXXXX XXXXOpened and closed in suspicious pattern\nClosed \n\n Inquiries to Be Blocked/Removed\n\nIf not initiated by you, these inquiries should be reported as unauthorized:\n\nInquirer\nDate\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am requesting that the Consumer Financial Protection Bureau initiate an immediate investigation into the unauthorized opening and reporting of the above-listed accounts and inquiries.\n\nI affirm that I did not authorize, open, or benefit from these accounts or financial products. I believe these were opened or misused as a result of identity theft or fraudulent activity.\n\nRequested outcomes:\n\nPermanent removal of these accounts and inquiries from all consumer reports\nDeletion from Early Warning Services and any participating institutions\nBlocking of all fraudulent items under FCRA 605B'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting 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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am required to make an account. Experian says I already have an account and gives me three options to authenticate, email and two phone numbers, none of which are mine and are fraudulent.

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 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Good afternoon I would like to start this off by saying Navy Federal has been doing things behind my back without my permission to my account. 

It all started in XXXX I was calling Navy Fed to let them know my card has been stolen and they told me that my account has a restriction on it so I wouldn't allowed to be to get a new debit card until XXXX of XXXX  because of my account being flagged for Identity theft and I only had my Military ID to prove who I am but Navy Fed required 2 forms of ID to verify who I was. So the rep I was talking to on the suggested I get a credit card and I kept saying to him I didn't want a credit card and I have been trying to avoid them. He told me all the good things about having one and he also said in like a serious voice that I wouldn't be able to use my money at all unless I get a Credit Card he was saying it in a way like you have no choice at all. So I agreed and said okay and he put my limit at $ XXXX even though I had no credit history and suggested me a charge card since I asked which card do I get since I never had one before. At that time I was a XXXX  barely making enough money to spend and over that time up until XXXX I built up some debt and I was getting ready to head to my next duty station which was in XXXX. I told the rep since I called and told them keep the account open and I'll continue to pay off my debt but I will not use the card anymore and she said okay and I thought that was it but turns out their must have been a miscommunication beside when I offically settled in at my duty station I got a notification that my account was closed even though I never closed it and called immediately and the rep told they closed it since I have been missing payments but I haven't missed a single payment which confused me so I checked and even went to the financial counselor and he tells me the samething I haven't missed a single payment at all. Now I was getting confused and so I called again and now they told me it was because I was closing too many accounts too fast but I wasn't thats the thing and so after all of the confusion they continue to say different reasons for closing my account without my permission so I am hoping I can get to the bottom of it since they basically set me up and want them to pay for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: NJ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See attached and I strongly suggest you read thoroughly carefully and under a great understanding of law before you close this case.

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 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
XXXX XX/XX/year> I used 2 interest free balance transfer checks mailed to me as a promo for balance transfers from other banks. I had a preexisting Citi account but the only reason, and my intent, in using the checks was to receive the financial benefit of the interest free period. Though the words Check valid until XX/XX/year> were printed on the checks, I did not notice that before mailing. So both checks ( {$3000.00} & {$8000.00} ) were already expired by 2+ weeks at the time I mailed them out. On XXXX XXXX Citi emailed stating although the checks were expired they had still processed the transactions- but WITHOUT any interest free period. A 90 minute chat with a manager did not resolve because the transactions were not marked as balance transfers. I wrote to Citi complaints who did not address the questions in denying my proposed resolution. Citi is processing theses 2 transactions in a selectively partial manner that resulted in a material change to the customer 's substantial financial detriment AFTER the checks were issued. My consent was not obtained in changing 14 months interest free period on a lump sum $ XXXX versus 24 % APR from my day XXXX. From Citis email it is clear that the checks were coded to a particular promotional offer and not just the account generally, as otherwise it would not have known to reference the expired promo rate and the waived transfer fee. Citi determined that the benefit of the check to the customer had expired, but the part that benefits Citi did not expire ( i.e the charging of interest ). To me the check was either expired as written on its face and dishonor fees applicable, OR if the check is treated as valid for the charging of interest then it must also be valid for the use of the promo rate. What I would prefer is that the checks ( the purchase charges ) remain, but at the interest free rate that was attached to the promo. The other option is to reverse the transactions completely and I will pay the dishonor fees.

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 2025-06-26 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: DC

Complaint narrative:
Ive been a victim of identity theft someone used my stolen identity to open up a unauthorized credit card without my permission. I've in eluded the person photo that's mark fraud on the picture who's responsible for opening multiple accounts in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I regularly monitor my credit report because my credit score is important to me, yet I continue to see false and inaccurate information that has never been correcteddespite multiple attempts to address it. This ongoing issue is not only frustrating and exhausting, but its also unfairly damaging my credit score and affecting my life in a serious way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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 credit reporting agency , 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 XXXX XXXX  XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$3500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: MIDFIRST BANK
State: TX

Complaint narrative:
My CD with MidFirst Bank matured on XX/XX/year>. I waited until the XXXX day of the grace period because XXXX with customer service at the XXXX XXXX and XXXX XXXX at the XXXX XXXX both told me the CD continues getting the same interest rate until the end of the grace period. When I went to the XXXX XXXX I was told the interest rate had been lowered on the maturity date XX/XX/XXXX. I received less interest than I was expecting. {$48.00} On XX/XX/XXXX I called the XXXX XXXX and spoke with XXXX and explained the problem. She said a Supervisor would call me back. One week later I still had not received a call. 
On XX/XX/XXXX I called the XXXX XXXX again and spoke with XXXX. I explained the problem again. He assured me a Supervisor would call. As of XX/XX/XXXX nobody has called 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 monetary relief
Consumer complaint received 2025-06-26 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: TN

Complaint narrative:
I am a XXXX XXXX XXXX and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$880.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$660.00} Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXXXXXX  Balance : {$580.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$890.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$520.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$870.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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 2025-06-26 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: 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 non-monetary relief
Consumer complaint received 2025-06-26 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: KY

Complaint narrative:
XXXXI am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report.\n\nThe following items do not belong to me and are a result of fraud that I did not authorize:XXXX: Account Number: XXXX XXXX XXXX: Account Number: XXXX: Account Number: XXXX: Account Number: XXXX XXXX XXXX: Account Number: XXXX XXXX XXXX: Account Number: XXXX XXXX: Account Number: XXXX XXXX XXXX XXXX XXXX: Account Number: XXXX XXXX XXXX: Account Number: XXXX XXXX: Date of inquiry: XXXX XXXX XXXX: Account Number: XXXX XXXX XXXX: Account Number: XXXX XXXX XXXX XXXX: Account Number: XXXXCurrent Address(es): XXXX XXXX XXXX XXXX XXXX XXXXPrevious Address(es): XXXX XXXX XXXX XXXX XXXX XXXXPrevious Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPrevious Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXXPrevious Address(es): XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, 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 XXXXXXXX ACCOUNTS : BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$520.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$540.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$16000.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$540.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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 several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation