vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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:
XXXX XXXX XXXX XXXX XXXX AZ XXXXEquifax Information Services, LLCXXXX XXXX XXXXXXXX GA  XXXXSubject: Request to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Equifax Consumer Services,\n\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Equifax data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as followsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX request that Equifax promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activityXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect 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 non-monetary relief
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
I request the removal of this incorrect entry from my credit report. I did not authorize or recognize this account. Attached are the relevant documents supporting my position

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
This situation with the XXXX XXXX XXXX XXXX is incredibly frustrating, and it's completely understandable why I feel it's a scam when you can't even access the {$70.00} you loaded onto it. Its infuriating to follow all the steps, only to have your purchases declined repeatedly, and then discover you can't even perform a simple transfer to get your own money back into a bank account. This lack of functionality turns a supposed financial tool into a useless plastic burden, effectively holding your funds hostage. When a prepaid cardwhich is designed for convenience and accessfails to work for basic transactions and locks you out of your money, it's not just a technical error ; it feels like a deliberate bait-and-switch, leaving you stuck in a terrible loop of non-stop customer service calls and failed attempts to spend or retrieve your own hard-earned money. The overall experience of having a card with a known balance act like it's empty, and the sheer impossibility of moving your funds, gives the strong impression that this product is deeply flawed and, at worst, preys on customers expecting a straightforward service.

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 2025-10-31 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: NM

Complaint narrative:
I am writing to express my serious concerns regarding the handling of my dispute related to charges on my XXXX XXXX XXXXXXXX. Despite my efforts to file a dispute, I have received minimal assistance throughout the process. 

Inadequate Support and Communication Challenges I have reached out to various regulatory agencies for guidance, only to receive a consistent response : to keep calling until I manage to connect with someone. It is widely understood that XXXX XXXX  is not providing adequate customer assistance, yet the company continues to operate and maintain contracts with major government systems, such as the Social Security Administration. This is fundamentally unacceptable. The expectation is placed on consumers to stay by the phone and repeatedly redial XXXX XXXX  in hopes of resolving their issues in just one call, which is unrealistic given that many have found this approach ineffective. Reports indicate that calls are frequently disconnected before reaching a live agent, further exacerbating the challenges faced. 

Barriers for Individuals with XXXX Requiring exclusive reliance on phone communication presents significant barriers for individuals with XXXX. The current practices of this office create challenges that are not only substantial they are impossible for some. ADA accommodations must go beyond simple text-to-type and relay calls ; they should facilitate more meaningful access. Furthermore, complaints submitted in writing should be addressed without the requirement of a follow-up phone call. My attempts to resolve issues via written communication have gone unanswered, leaving me without the support I need.

Impact on My Account Due to these persistent challenges, my account has been drained, leaving me with less than {$5.00} that is now inaccessible. My account has been closed without any resolution to my disputes, creating significant financial hardship and emotional XXXX. 

I urge XXXX XXXX  to reconsider its communication policies and develop more accessible methods for resolving disputes, especially for vulnerable individuals who can not engage in phone calls. Prompt and clear communication about the steps taken to rectify this situation is essential. 

I also call upon the Consumer Financial Protection Bureau ( CFPB ) to intervene in this matter and help consumers overcome these barriers to receiving proper and adequate assistance from XXXX XXXX 

* * PLEASE NOTE : I do not call or receive phone calls. Contact information was changed with out authorization. I never had a phone number because I do not call or receive phone calls. email address has always remained the same!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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 request the removal of this incorrect entry from my credit report. I did not authorize or recognize this account. Attached are the relevant documents supporting my position

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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TCF NATIONAL BANK
State: IN

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to formally raise a complaint regarding serious billing and service issues on my Citi credit card account ending in XXXX. This account was opened several years ago and closed years ago. However, in XXXX, I encountered unexpected and erroneous activity on this closed account. 

Timeline of Events : [ XXXX, XXXX ] : I noticed a payment was made to my closed Citi credit card account. I immediately contacted Citi customer service and was informed that the payment was made by mistake. I was assured the issue would be fixed. 

[ XXXX, XXXX ] : I received a call confirming that my account balance was {$0.00} and that the issue had been resolved. 

XX/XX/XXXX : I unexpectedly received an email from Citi stating that I owed a balance of {$3900.00}, and monthly payments were due. 

I contacted Citi again and spoke to a supervisor, who explained that when the earlier correction was made, Citi accidentally reversed the adjustment twice, creating the erroneous balance. He said a request was submitted to fix the issue within 7 days. 

XX/XX/XXXX : Despite this assurance, I received another billing statement ( Billing period XX/XX/XXXX XX/XX/XXXX ) indicating I had missed a payment and now owed {$190.00} in interest and charges. 

On XX/XX/XXXX, I called Citi again and spoke with Supervisor XXXX, who stated he would escalate the issue to the head office and personally call me back on XX/XX/XXXX, at XXXXXXXX XXXX Unfortunately, I did not receive any follow-up call. 

On XX/XX/XXXX, I called again and spoke with Supervisor XXXX, who was extremely unprofessional and rude. When I asked for a guarantee that the issue would be resolved, he responded that if I did not believe him, he would cancel the request and that I could go ahead and file a complaint with the consumer bureau. 

My Concerns : A closed credit card account should not be receiving payments, reversals, or accruing balances. 

I have been given contradictory information multiple times, and no effective resolution has been made. 

The poor and unprofessional conduct of Supervisor XXXX is unacceptable for a customer service representative. 

These errors and delays are causing unwarranted stress and risk of negative 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 monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect 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 non-monetary relief
Consumer complaint received 2025-11-01 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: NM

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-10-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
My vehicle was repossessed even though I never received any payment statements, default notices, or right-to-cure letters. After reviewing my paperwork, I discovered that the lender, GM Financial, entered the wrong address and phone number on my loan documents. Because of these clerical errors, I was never properly contacted or notified that payments were due. 

The lender listed my address incorrectly as XXXX XXXX XXXX XXXX XXXX XXXX, instead of my correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX They also listed my phone number incorrectly as XXXX, instead of my actual number XXXX. 

Because of these errors, I never received billing statements, payment reminders, or notices of default. The repossession occurred without any prior contact or opportunity to make payments, even though I would have resolved the issue immediately if I had been notified correctly. 

This failure to provide proper notice appears to violate Uniform Commercial Code ( UCC ) 9-611, which requires a lender to give notice before repossession, and it also results in inaccurate reporting under the Fair Credit Reporting Act ( FCRA ) because the repossession is being reported as a voluntary or delinquent event when it was actually caused by GM Financials own documentation errors.

I am requesting that the CFPB review this issue and require GM Financial to : 1. Remove or correct the repossession entry from all credit reporting agencies ( XXXX XXXX, and XXXX ). 


2. Provide written confirmation acknowledging that incorrect contact information prevented proper notice.

3. Correct my account records to reflect my accurate contact information and ensure no future communication errors.

Lender : GM Financial Vehicle : XXXX XXXX XXXX XXXX : XXXX Repo Date : XX/XX/XXXX Loan Account : [ If known, ending in XXXX XXXX XXXX XXXX XXXX Attached are : My loan agreement showing the wrong address and phone number ; My XXXX utility bill showing my correct address ( XXXX XXXX XXXX XXXX XXXX XXXX ) ; A photo of my phone settings screen confirming my correct phone number ( XXXX ) ; Any repossession notice or letter I received after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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 writing to formally dispute an inaccurate entry on my credit report. I neither authorized nor recognize this account. Enclosed are documents supporting my claim. Please investigate and remove this item from my report.

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 2025-11-01 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: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING 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 explanation
Consumer complaint received 2025-11-01 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:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING 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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am disputing an obsolete/unverifiable bankruptcy public record LexisNexis is furnishing. LexisNexis reinvestigation relied on XXXX, which is only a public-access portalnot a furnisher or verifier of consumer credit data. 
My case is XXXX ( XXXX. XXXX, XXXX XXXX ). LexisNexis references Case No. XXXX and claims verified via PACER. I obtained a written email ( XX/XX/XXXX ) from the XXXX Bankruptcy XXXX XXXX XXXX confirming the court does not report filings to credit agencies and that FCRA controls bureau reporting . 
There is also a date discrepancy : my dismissal order is XX/XX/XXXX, but LexisNexis materials show XX/XX/XXXX. XXXX on XXXX screenshots and misdated data is not a reasonable reinvestigation under FCRA XXXX ( a ), and the continued furnishing of inaccurate public-record data violates the FCRA. 
Requested relief : ( XXXX ) Delete the public record from all LexisNexis products ; ( XXXX ) Cease and desist re-furnishing; ( XXXX ) provide written confirmation and copies of retractions sent to XXXX XXXX XXXX XXXX XXXX provide all materials used in the reinvestigation ( including any PACER screenshots and internal notes ) and correct any date errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( XXXX U.S.C. XXXX and XXXX U.S.C. XXXX ( a ) ( XXXX ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I applied for a Chase XXXX card back in XXXX and again in XXXX. Both times was denied due to suspicion of fraud. Both times Chase added a hard inquiry to XXXX  without processing my application. They are delaying my application simply because of last name issues - these system decisions that can not be overturned make no sense when I am an existing customer of all these products : Chase XXXX XXXX, JPMorgan XXXX, and Chase for Business, and it is all an apparent system confusion of my name in Spanish, which is a form of discrimination based on a protected category. 

I also submitted my first application for reconsideration and answered a bunch of questions and there were XXXX follow ups on that by mail or otherwise. That is completely unacceptable and not in line with credit regulations- this lack of transparency is not okay. 

I am hoping with this escalation someone can correct this issue and further process my application after adding XXXX hard inquiries already. This is completely unacceptable and leaves a sour taste on my entire relationship with XXXX. 

I look forward to working with someone on a satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is an inaccurate item. It shows as a late payment.

Company response to consumer: Closed with non-monetary relief