vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please accept this complaint as the dispute on the accounts that appeared due to fraudulent actions. I hope for your immediate action, as these items affect my life. I have been disputing these accounts with you for a decent amount of time and so far you are still reporting them which are violations of my rights as a consumer, so I had to submit this complaint on your company. Under the FCRA 605b, each fraudulent item should be deleted/ blocked immediately. The following items opened/used by a different person or group of the people, I never used and authorized them : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Open 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 explanation
Consumer complaint received 2025-09-16 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: PR

Complaint narrative:
I am a victim of XXXX XXXX, and the account reported under XXXX is fraudulent and never authorized by me. I formally disputed this account with Experian on XX/XX/year> and again on XX/XX/year>, providing all supporting documentation, including a valid FTC Identity Theft Report ( Report No. XXXX ), as required under FCRA Section 605B.

Federal law is clear : once a valid identity theft report is submitted, the bureau must block the account within XXXX ( XXXX ) business days. Despite this, the account remains on my file. This failure not only violates Section 605B, but also Section 611 ( requiring a meaningful reinvestigation ) and Section 607 ( requiring maximum possible accuracy ). The bureaus reliance on superficial or automated verification does not meet the legal standard established by case law such as XXXX v. XXXX and XXXX v. XXXX. 
Beyond the legal violations, the continued reporting of this fraudulent account has very real human consequences. It has lowered my credit score, increased the cost of borrowing, and created barriers to securing housing and essential credit opportunities. I have spent significant time, effort, and emotional energy trying to correct this, only to see my rights under the FCRA disregarded. 
The law exists to protect consumers from exactly this type of harm. I am asking for the CFPBs intervention to ensure that this unlawful reporting is permanently corrected and that my rights as a consumer are respected.

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 2025-09-16 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have filed two other reports and on report # XXXX has been closed today. Well first off it states as of today it was still pending investigation one minute later they closed the case. The reason to this are remarkable I will please ask to appeal this and to include what I've sent to them. And please note I was incarcerated from XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX so as you can see all these charges could not been from me. It has also caused much distress and other fraudulent charges on my credit report the bank allowed someone to change my password and phone number on account so I'm unable to even get into now but the perpetrators were allowed to gain access to everything this don't make sense they have the phone number someone changed it to I mean can't an ip address be traced or the phone number be followed up upon? They also allowed {$44.00} to be refunded I guess to a new card I can't even use and how can {$44.00} be approved but nothing else this is gone way to far enclesed you'll see my response please please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I checked my Ally Back account on my mobile app. I discovered that {$10000.00} was missing. I went to my desktop to get a better idea of why this happened. I discovered a transaction in progress that was transferring {$10000.00} from my Ally account to an account at XXXX XXXX, with the last four digits of XXXX. I was flabbergasted. I called Ally, and after much investigation, they told me that someone had taken over my account! They asked me if I had been contacted by anyone, either by phone or email, asking for my information. I had not been contacted, nor did I give out any information. They worked with me to update all the account information. They sent an email to allow me to change my password only I never received it. I gave them a new email address and still no email to allow me to update my password. I was finally able to make the last bit of changes on my own, but in speaking with XXXX at Ally and then her supervisor, XXXX, they told me they could not guarantee the return of my money! How is that possible? They clearly are having internal issues and yet, I am out {$10000.00}?!?!! Please help!

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 2025-09-16 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:
Experian Equifax and Transunion have all been reporting several fraudulent accounts to my credit report after I have informed them that I am a victim of identity theft. These accounts include several student loans, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  and more

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 2025-09-16 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: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-16 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:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: GLOBAL CREDIT UNION
State: AK

Complaint narrative:
I conduct my banking at XXXX XXXX. They also hold my mortgage. I make payments to my mortgage by transferring money from my checking account into my mortgage account on the XXXX XXXX website. 

On XX/XX/2025, in the XXXX XXXX Mortgage Dashboard, I generated a payoff letter to determine the total payoff amount, which was {$40000.00}. I also obtained a payoff letter. There is no pre-payment penalty on this mortgage. 

On the same day I then used the XXXX XXXX mortgage dashboard payment page to make a payment as I normally would, except this time I paid off the entire amount. I transferred money from my Global checking and savings accounts in the amount of {$40000.00} to pay off the Global mortgage. 

According to the payment history on the Global mortgage dashboard, these payments were accepted and posted the following day, XX/XX/2025. I On XX/XX/2025 I checked my bank statements only to see that the mortgage balance was listed as {$2600.00}. I telephoned the mortgage center and was told that my payment was not sent by a secure method and as a result the mortgage was not considered closed and I had accrued additional interest or fees. They were unable to provide detail on how that amount was generated. Unhappy with this response I spoke to a supervisor who gave me the same information. 

First, it did not occur to me that an in-bank transfer would not be considered secure and that I should have wired money from one account in an institution to another account in the same institution.

Second, Global did receive and accept the payment. The money was deducted from my savings and checking accounts, and payment was posted to my mortgage account dashboard the following day. So regardless of whether it met their preferred payment methods, the money was received and the balance should have then been XXXX. 

Third, Global was unable or unwilling to provide me any information on how over {$2600.00} accrued on the account when the entire amount owed had been paid off. Even if the mortgage wasnt considered closed, there was no longer any amount owed which could accrue interest.

Since Global accepted my money and it covered the full amount owed, the mortgage should now be closed. What they are doing can not be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Subject : Portfolio Recovery Associates Inaccurate Collection Account Body : I dispute the PRA collection account. PRA reports conflicting balances and delinquency dates, violating FCRA 607 ( b ). They have not validated ownership of the debt. Under 623 ( a ) ( 3 ) and 611 ( a ), unverifiable collections must be deleted from all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$2900.00} XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXXXXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing multiple hard credit inquiries that appear on my credit report. These inquiries were made without my knowledge or authorization in a concentrated period between XXXX and XXXXXXXX XXXX. 

On or around XX/XX/year>, and XX/XX/year>, a series of credit checks were performed by various automobile finance companies and lenders. The volume and timing of these inquiries suggest that a single credit application may have been " shotgunned '' to numerous subprime lenders without my explicit permission for each individual hard pull. 

I did not apply for credit with each of these specific companies individually. I have no existing relationship with them, and I did not authorize them to access my full credit report for the purpose of a credit decision. The presence of these unauthorized inquiries is negatively impacting my credit score.

The companies and inquiry dates I am specifically disputing include, but are not limited to : 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 XXXX XXXX XXXX XXXX XXXX XXXX ( Inquired on XX/XX/year> XXXX XXXX * Actions I have taken : * * I have reviewed my credit reports and identified these errors. I have also placed a fraud alert on my credit file due to the suspicious nature of these credit pulls.

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 2025-09-16 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-16 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX * * * * * *, Date Opened : XX/XX/year>, Balance : {$1400.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: TX

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

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 2025-09-16 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: TX

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

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