vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX is reporting lates for XX/XX/XXXX and XX/XX/XXXX. I have had a very rough year as someone very close to me has passed recently that caused me to lose sight of everything and not make some payments on time. I had never been late before and this caused my credit score to go down. Recently after being able to get some help for the mental state I was in, I have been going through financial struggles and that has caused me to be late. Please do a one time courtesy and help me remove these lates.

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 2025-08-01 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: IL

Complaint narrative:
XXXX is reporting lates for XX/XX/XXXX and XX/XX/XXXX. I have had a very rough year as someone very close to me has passed recently that caused me to lose sight of everything and not make some payments on time. I had never been late before and this caused my credit score to go down. Recently after being able to get some help for the mental state I was in, I have been going through financial struggles and that has caused me to be late. Please do a one time courtesy and help me remove these lates.

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 2025-08-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: TX

Complaint narrative:
This debt appeared o. My credit report without contact of any kind. Have disputed with all three credit bureaus

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint with absolute certainty and extreme frustration. There are numerous errors on my credit report that I can no longer ignore, as they have been negatively affecting my life and damaging my credit score. This has made it difficult for me to achieve financial freedom and stability.

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 2025-08-01 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX Final Rule XXXX002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- XXXX ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-01 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: PA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-01 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:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Today XX/XX/2025 I accidentally found out Regions Bank in XXXX XXXX XXXX put hold on my account and freezing funds with they had no probable cause to do. 
They said it was there error it would be rectified. 
That caused the bank to close all my accounts and freeze my money and will not give it to me. 
A few weeks ago I went to open a new business account with all proper documentation corporate docs and tax identification. 
They did not know how to open acct which I later found out all inputted wrong info flagging acct. 
Went back to bank said it was corrected and flagged again. 
Now after being a loyal customer to regions bank for over XXXX years with never an overdraft bounced check or anything else. 
They decided to close all my business and personal accounts and keep the money in which was available to me. 
This has haunted my business my personal life and financial obligations It's almost criminal and they had no right to do so.

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 2025-08-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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 is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX  XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> 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 explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filling a complaint against capital one regarding the deceptive practices related to the XXXX higher interest savings account. XXXX misrepresented the XXXX savings account is having XXXX of the nations highest interest rates, yet failed to notify account holders about the superior rates offered by the XXXX performance savings account. This deliberate obscurity and lack of transparency, violated consumers 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 advertise promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
I am writing to demand immediate action regarding the inaccuracies and unverifiable information reflected on my credit report. After thoroughly reviewing my report, I have identified the following accounts that you have failed to substantiate as accurate or legitimate : XXXX. XXXX  XXXX  - XXXX, XXXX/XXXX  - XXXX, INQUIRY - XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Ally Financial is currently reporting a charge off to my consumer credit report. I accept no responsibility to this debt. 

I am requesting assistance from the XXXX to enforce that Ally Financial provide validation of ownership to this debt. Including proof of identity with a current, unexpired, government-issued photo ID such as driver 's license or passport to verify identity. Be sure to verify it was valid prior to entering agreement according to federal law. Also not to confuse validation with verification. 

Lenders have a legal obligation to verify identities to ensure regulatory compliance, inadequate identity verification can lead to non-compliance with those regulations. Without proof that my identity was verified properly prior to disturbing the loan, the loan should be discharge. 

The lender experienced a data breach, Ally failed to properly secure and safeguard the personally identifiable information of millions of customers. The breach exposed sensitive customer information, including names, address, social security numbers and financial data. Class action lawsuits have been filed in the XXXX XXXX XXXX stating Allys negligence and failure to protect customer data, including claims of identity theft and lowered credit scores. 

Ally has only submitted certain identifiers to associate this alleged account ; but no actual validation such as a copy of social security card, valid government-issued photo ID, or employment paystubs has been confirmed. Ally has also produced an odometer statement with no date ; jurisdictions require the date on the odometer disclosure statement for legal and regulatory purposes. These inconsistencies suggest manipulation of the system. I am requesting that the account be removed from my consumer credit report. 

I will continue to pursue legal ways to removal this charge off account until my request is satisfied. Including submitting a complaint with the Federal Reserve Board ( FRB ) the primary federal regulator overseeing Ally Bank and Ally Bank 's parent company, Ally Financial Inc . 

The CFPB has authority to enforce various laws and regulations, including the prohibition of unfair, deceptive, or abusive acts or practices by covered persons and Ally Financial. This complaint serves as a description of deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XXXX I applied for a loan and let a company verify my banking information! 
They took my information and started depositing phony checks in all my accounts. 
The bank flagged me and those I was doing this and I they cancelled all my accounts! 
All my elderly mother accounts were closed cause I was a co person on her account! 
Well Fargo never gave me a chance to explain that I do live in Illinois where the checks were deposited. I work for the XXXX and not doing this!! Thanks

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 2025-08-01 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
b'I would like to report possible identity theft.  I received a phone call on my cell phone from a credit collection company, but no message was left. It was from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe I am a victim of identity theft and someone used my information to open a XXXX XXXX XXXX XXXX last year in XXXX.\n\nI looked up my credit report on XXXX  and this is what I saw.XXXXThere were several soft inquiries from:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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 am submitting this complaint with absolute certainty and extreme frustration. There are numerous errors on my credit report that I can no longer ignore, as they have been negatively affecting my life and damaging my credit score. This has made it difficult for me to achieve financial freedom and stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: FL

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 ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My Capital One credit card account was closed after a temporary issue with my bank. The issue was not caused by missed payments or financial irresponsibility. I had sufficient funds in my XXXX XXXX XXXX account at the time. The payment did not go through due to a banking error, not due to lack of funds or intent to pay. 

I contacted Capital One multiple times and requested a goodwill review and possible reinstatement of the account or correction of how the closure was reported to the credit bureaus. I explained that the issue was outside of my control and provided evidence that there were sufficient funds at the time of payment. 

Despite my efforts, Capital One refused to escalate my request meaningfully. They repeatedly told me to reapply, which is not a fair resolution as the account closure negatively affected my credit score. Reapplying would result in a hard inquiry and would not restore my credit limit or history. 

I have now made multiple attempts, including speaking with a supervisor, and have been dismissed without any corrective action. I am filing this complaint in hopes that Capital One will take responsibility for the situation and either reinstate the account or make a goodwill correction to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am disputing the inaccurate reporting of XXXX XXXX XXXX  on a closed credit card account with XXXX/XXXX. 

This account : Was closed on XX/XX/2023 Was paid in full with a {$0.00} balance Had no XXXX late payments Was marked Account closed by credit grantor My XXXX  XXXX XXXX  was filed after this account was closed. There was no active balance, delinquency, or discharge related to this tradeline yet the remarks now show XXXX  XXXX bankruptcy which is materially misleading and not legally accurate. 

This false coding violates : FCRA 1681e ( b ) Furnishers must ensure maximum accuracy FCRA 1681s-2 ( b ) Furnisher duties after receiving dispute XXXX  guidelines unfair and deceptive impacts on consumer credit profiles This account should reflect positive closure with no bankruptcy association.

Company response to consumer: Closed with non-monetary relief