vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I found inaccurate negative items on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FRCA ). Please remove these unverifiable items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I request to have documentation of missed payments and documentation of the representative that didnt provide correct information. Thats cause account to report as late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
When I had a problem with XXXX XXXX XXXX destroying my credit through their neglect. I contacted Experian about all their emails, and was advised to close my account to stop all the email sent by then. So I did as advised, and only some of the emails stopped. Since then, the emails have continued, and I believe it has affected my credit standing too. I have tried many ways to contact them and only get the following error page, no matter how I have tried. I would like to reinstate my account. This is the error page I get : XXXX denied XXXX XXXX www.experian.com XXXX XXXX UTC What happened? 
This request was blocked by our security service Your IP : XXXX Proxy IP : XXXX ( ID XXXX ) Incident ID : 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 2025-05-26 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , remove 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. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the 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 2025-05-26 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: NY

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing this complaint against Square regarding the sudden and unexplained closure of my merchant account. My account has always been in good standing with no issues, disputes, chargebacks, or complaints from customers. I have conducted my business professionally and responsibly, adhering to all terms and policies set by Square.

Despite this, Square abruptly closed my account without providing any clear reason or opportunity for appeal. I have reached out to their support team multiple times, but I have not received any explanation or meaningful assistance. The lack of transparency and communication has been extremely frustrating and has negatively impacted my business operations. 

As a small business owner, I rely on access to reliable payment processing. The unexplained termination of my account has caused significant disruptions, and I believe I deserve a clear explanation and a fair review of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have come across the CFPB Experian lawsuit. I have been negatively impacted as a consumer by Experian. They have ignored and/or refuse to provide transcripts of how Experian has XXXX verified '' the errors and inaccuracies on my credit profile, that the other credit reporting agencies ( XXXX XXXX XXXX XXXX XXXXXXXX ) have removed from my credit profile for having errors and inaccuracies. Secondary Experian said they will " update '' accounts on my credit profile but forgot to delete them from my credit profile. I was a victim of identity theft and I have attached the identity theft report as well as a police report. Accordingly with FCRA 605b all accounts as a result of Identity theft must be removed in 4 days from this notice. Please provide a full transcript on what you verified, when it was verified, who verified it, and how it was verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: MA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: FL

Complaint narrative:
Upon reviewing my report, I discovered that Experian is reporting late payments related to XXXX XXXX that should, under the law, no longer appear on my file. These entries violate the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( 2 ) ( A ), which defines and limits the scope of information that can be lawfully included in a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: TX

Complaint narrative:
This formal complaint is being submitted in accordance with FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to demand that TransUnion immediately block and permanently delete the following accounts from my consumer credit file. These entries are the result of identity theft and are inaccurately associated with me. As required by law, action must be taken within four business days of receiving this dispute. 

The following accounts were fraudulently opened and reported : An auto loan account with XXXX XXXX  opened on XX/XX/XXXX, with a balance of {$2000.00} A credit card with XXXX XXXX XXXX XXXX XX/XX/XXXX, with a balance of {$0.00} A retail card with XXXX opened on XX/XX/XXXX, with a balance of {$0.00} A credit account with XXXXXXXX XXXX  opened on XX/XX/XXXX, with a balance of {$2000.00} A finance account with XXXX XXXXXXXX XXXX opened XXXX XX/XX/XXXX, with a balance of {$4400.00} A loan account with XXXX  opened on XX/XX/XXXX, with a balance of {$2900.00} A student loan reported by XXXX XXXX XXXX  opened on XX/XX/XXXX XXXX XXXX a balance of {$140000.00} A collection account with XXXX XXXX XXXX XXXXpened on XX/XX/XXXX XXXX XXXX a balance of {$970.00} A collection account with XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX a balance of {$430.00} A collection account with XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX a balance of {$640.00} A second collection account with XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX a balance of {$560.00} A third collection account with XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX a balance of {$610.00} A collection account with XXXX XXXX opened on XX/XX/XXXX, with a balance of {$3400.00} A collection account with XXXX XXXX XXXX opened on XX/XX/XXXX XXXX with a balance of {$1700.00} Pursuant to FCRA Section 611 ( 15 U.S.C. 1681i ), I am also disputing the accuracy and legitimacy of each of these accounts. I demand a full reinvestigation and require that TransUnion provide the specific method of verification used for each entry, as well as any original application records or physical documentation relied upon to confirm their accuracy. Failure to supply this evidence constitutes XXXX XXXX fraudulent reporting and mandates removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have sent out five disputes for the this particular account and still haven't got an response. I have updated documents to prove letters were sent with my ID and social security number attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant XXXX  and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: FL

Complaint narrative:
On XX/XX/XXXX, I placed an online order with merchant, XXXX XXXX XXXX XXXX XXXX  Las Vegas, for a holiday dessert to be delivered to a family member for XXXX ( XX/XX/XXXX ) and I paid {$64.00} using the Citibank account. On XX/XX/XXXX, I followed up with Merchant online ( as a telephone communications were not available ) and I learned, the order would NOT arrive by XXXX, instead would arrive sometime during the first week of XXXX, XXXX. I promptly asked Merchant to cancel the order and I contacted Citibank to initiate the cancellation of the charge as I was concerned due to the fact that Merchant was never available by phone. 
Today is XX/XX/XXXX, 6 months have lapsed, and Citibank continues to refuse to credit my account the {$64.00}. The dessert order was cancelled and never delivered by the XXXX, but Citibank continues to refuse to adjust my account and they told me they've closed the investigation, and their decision is final. Citibank has ignored repeated requests for any information they can provide about the Merchant i.e., a valid email address, telephone number so that I can contact the MerchanXXXX myself. Citibank has refused to provide an explanation as to how they arrived at their decision to deny my dispute and allow this XXXX to perpetrate fraud on me. By their action, Citibank has failed to properly arbitrate the matter by their failure to hold XXXX accountable and must demand that XXXX provide documentary proof to support the contention that the XXXX did fulfill the order i.e., UPS tracking, etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The account is not a charge off. 
XXXX XXXX XXXX It states settled for less. It is paid the remaining was a XXXX. Please remove this account from : my credit report for inaccurate reporting! 
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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
I am filing this complaint against LexisNexis Risk Solutions for reporting harmful, misleading, and possibly inaccurate information in its background screening report related to a court case filed in the XXXX XXXX XXXX XXXX XXXX, Illinois ( Case No. XXXX ). 
This case is currently under active appeal and federal review, including : - A pending interlocutory appeal, - A Verified Petition for Writ of Mandamus and XXXX XXXX in the Illinois Supreme Court,- And multiple federal filings under 28 U.S.C. 1443. 

Despite this, LexisNexis has published this court case in its tenant screening records, causing me to be denied access to housing. This reporting is prejudicial, premature, and misleading for the following reasons : The case has not reached final disposition. 
The eviction order was entered unlawfully and is under formal appeal, including motions for supervisory stay and writs of mandamus. 
LexisNexis is reporting incomplete and context-free data, resulting in unfair harm to my reputation, credit, and ability to secure safe housing. 
I was not notified that this case would be published in a consumer reporting product, violating the transparency principles of the Fair Credit Reporting Act ( FCRA ). 
LexisNexis is likely reporting public records without including the current procedural posture, appeals, or my side of the case, violating 15 U.S.C. 1681e ( b ) the obligation to maintain maximum possible accuracy. 
I have suffered emotional distress, housing discrimination, and potential economic loss as a result of this reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

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 I 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of two credit cards with XXXX XXXX XXXX  in XXXX XXXX with the Account numbers ( XXXX ) and ( XXXX ), XXXX  XXXX opened XX/XX/XXXX with the Account # ( XXXX ), XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX and an auto loan with XXXX opened XX/XX/XXXX with the Account # ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts and collections are the result of identity theft and fraud. I have attached of FTC Identity Theft Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the 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 2025-05-26 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: MA

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation