vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: EQUIFAX, INC.
State: VA

Complaint narrative:
every months or so Multiple inquiries for auto loans and others where on my credit report without my knowledge im in the military and was at sea for months at a time with no knowledge of these inquiries and account i didnt make those inquiries or account i dispute so many time but those accounts were never removed from my account i even the address on my credit report isnt my correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: U.S. BANCORP
State: FL

Complaint narrative:
My credit report shows an open credit card account with US Bank and XXXX. I DO NOT nor have I ever opened or authorized an account/credit card with either of these companies, thus it is deemed fraud. I have multiple FTC reports and also police reports from when my identity was stolen. These items must be deleted and blocked immediately. Additionally, all of a sudden an address from XXXX  years ago has again appeared on my report as a result of someone attempting to use my identity. They have also put a hyphen in my surname that I never had.

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 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I requested to reconsider to reopen the accounts but said NO. I want to the bank to give all the money lost on fraud transactions that the bank fail to notified me worth {$10000.00}. 
I also was closed the account in a few days instead of XXXX days which cause a havoc with direct deposits from my jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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:
I was reviewing a copy of my XXXX XXXX  credit report and discovered it contained some errors pertaining to my Addressand I am requesting that you promptly INVESTIGATE and UPDATE the Address that I never resided and may possibly be listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, TX 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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax, experian and transunion complies with federal law and provides consumers with the necessary proof of investigation. 

15 U.S. Code 1635 & 15 U.S. Code 1692g Delete this account immediately This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : 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 2025-05-09 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: AZ

Complaint narrative:
I'M A XXXX XXXX  VICTIM AND I AM REPORTING FRAUDULENT ACCOUNTS AND INQUIRIES. PLEASE HELP ME REMOVE AND BLOCK ALL THESE ACCOUNTS. THESE ACCOUNTS ARE RUINING MY LIFE.

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 2025-05-09 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: FL

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$600.00} XXXX XXXXXXXX * * * * * * * * * * * Balance Owed : {$5800.00} XXXX XXXXXXXX XXXX * * * * * * Balance Owed : {$240.00}

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 2025-05-09 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX XXXX  XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/year> I attempted to make a purchase at my local XXXX. My USAA debit card was declined. I immediately contacted USAA to determine the issue. I was informed that all of my accounts had been closed, and 3 representatives could not provide any explanation for the closure, only that USAA has decided to no longer do banking with me. To make matters worse I was told USAA would freeze my access to my accounts for 60 days, where I could continue to deposit but not withdraw. There is significant amounts of money in my accounts, which is the only way I can provide for my family. I was given XXXX notice or warning of any issues. I now have no access to my own money. No ability to get food or gas or pay my bills for 60 days, and then 7-10 business days after that when the mail me a check for the balance of my accounts. These are essential living expenses and the only funds I have. This has caused extreme hardship and stress for myself and my family. I am requesting the Consumer Financial Protection Bureau to investigate this matter and help facilitate the immediate release of my funds. All of my bills will not be paid during this time. I also believe USAA bank should be required to provide a written valid reason for the account closure, as well as immediately release my funds to me. They need to be help accountable for their lack of transparency and disregard for my consumer 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 explanation
Consumer complaint received 2025-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The following late payments on my credit report with XXXX XXXX XXXX XXXX # XXXX Opened XX/XX/XXXX was a result of my job loss during the covid XXXX pandemic. Payments shows that There was not a late payment until this period. The cares act which was signed into law on XXXX XXXX and ended XX/XX/XXXX amended the FCRA to stop adverse credit reporting during XXXX crisis under these circumstances. Please update this information to PAID/AGREED for this time period. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-05-09 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: PA

Complaint narrative:
I am reaching out for your help to review accounts from companies inaccurately reporting late payments. After checking my credit report, I found that some accounts are wrongly marked as late. These accounts should not carry any late payment remarks. Please correct this by removing the late remarks and updating the accounts to show positive standing as agreed.

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 2025-05-09 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: IN

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: LA

Complaint narrative:
I am writing in response to a notice I received regarding an alleged debt you claim I owe. This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, and is not an admission of liability for this debt.

Please provide me with the following information : The amount of the alleged debt ; The name of the original creditor ; A copy of the original agreement or contract bearing my signature ; A detailed accounting of the charges and payments applied to the alleged debt ; Verification that you are legally authorized to collect this debt in my state ; Proof that you have the right to collect on behalf of the original creditor, or documentation that the debt was purchased or assigned to your agency.

Please cease all collection activity and communication regarding this debt until the requested validation is provided. If you fail to provide proper validation, you must cease further collection efforts and remove any negative information you may have reported to credit reporting agencies regarding this account.

This letter is sent for the purpose of obtaining information and is not an acknowledgment or acceptance of the alleged debt. 








XXXX can make mistakes. Check

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: VA

Complaint narrative:
My credit record review revealed several late payment entries that I believe are inaccurate. Despite sending formal validation request letters over 30 days ago, I've received no response and no satisfactory validation has been provided to support these alleged late payments. This prolonged silence is concerning as these negative entries continue to adversely affect my credit standing and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: MO

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND XXXX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened 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 2025-05-09 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Once I signed up to XXXX XXXX and I noticed XXXX fraudulent accounts reporting on my credit report. These credit card accounts are not mine, they were never opened by me. As soon as I noticed it I went to the Chase/JPMCB branch they were no help, because the representative at the branch said its best to dispute fraud items directly with the bureaus. So I called the bureaus and they were also not able to help me. That's when I finally decided to go to the XXXX to report JPMCB bank for allowing this to happen. They were not able to help me either, that's when I decided to take JPMCB to small claims court, because these XXXX accounts are not mine, they were never opened by me, they were never used by me, never paid by me. I do have a JPMCB XXXX loan I just assumed my information was probably stolen directly from JPMCB because for sure I never applied for a JPMCB Credit card I have enough credit cards. The case was assigned to XXXX XXXX, I gave him in detail all this information, he was kind enough to present my case directly to JPMCB and he did arrange a ZOOM meeting with a judge, that's when the judge told me to dismiss this case since without my knowledge this was opened in a wrong court and reopen a new case. After doing some research I found this site and decided to contact JPMCB through this site and hopefully get this issue resolved. I also made a call to JPMCB again after being transferred to every department finally spoke with someone and she did reopen a claim again. After this long detailed story I want to confirm that this XXXX accounts were never opened by me, they are not mine. I have no idea who could have done this, at this point I am scared because I am not sure what other things is the thief doing that I am not aware of. Basically I am living in fear because I don't know what to will happen next. I need this XXXX accounts to be removed from my credit profile. I was told by the JPMCB representative that the accounts are for sure closed, and no one can reopen the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Account Credence Resource XXXX # XXXX I'm unaware of this debt an did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXXXXXX XXXX ' with receipt displaying my signature. if not, please delete account XXXX XXXXXXXX as soon as possible from my credit report or I will take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-09 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 have identified a significant issue on both my XXXX  and Experian credit reports, where a charge off is being reported for XXXX XXXX, account number XXXX, dated XX/XX/year>2019, with a balance of {$4300.00}. This entry is both troubling and potentially damaging to my financial profile. Given the ongoing risk of data breaches, it is not unreasonable to suspect that this account may be inaccurately reported or even compromised, resulting in severe financial consequences for me. Despite this, I have not received any proper validation or verification from the creditor, as required under the Fair Credit Reporting Act ( FCRA ), to confirm the legitimacy and accuracy of this account. This lack of transparency and oversight directly violates my rights as a consumer, as outlined in 15 USC 1681n, 1681 ( c ) 2, and 1692 ( g ). It is unacceptable for an account of this magnitude to be reported without thorough and complete verification, especially when it continues to harm my creditworthiness and financial reputation. The persistent reporting of this potentially inaccurate charge off has created ongoing stress and financial strain, affecting my ability to secure credit and financial opportunities.

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