vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Since COVID XXXX, all of my student loan accounts were frozen. Since that time, I moved jobs, states that I lived in, marital status, contact information, and various other aspects of my life. My wife and I were able to save for our wedding, a house, have a child, and pay off some of our other debts. There have been many major changes in my life since XXXX when my student loans were first frozen. When student loan repayment started in XX/XX/XXXX, none of XXXX 's attempts to notify me about my repayments cycle starting got to me because of all of these major changes and incorrect information within XXXX database. I did not receive any phone calls, letters in the mail, or emails since they had all changed. 

Before these derogatory remarks, my credit score was in the low XXXX. I am a responsible person who paid all their bills on time and stayed out of debt aside from car, home, and student loans. 

I understand updating my contact information in XXXX is my responsibility. However, I am looking for a little grace. Since receiving these derogatory remarks, I have fully paid the past due balance and set up auto pay within 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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Since COVID XXXX, all of my student loan accounts were frozen. Since that time, I moved jobs, states that I lived in, marital status, contact information, and various other aspects of my life. My wife and I were able to save for our wedding, a house, have a child, and pay off some of our other debts. There have been many major changes in my life since XXXX when my student loans were first frozen. When student loan repayment started in XX/XX/XXXX, none of XXXX 's attempts to notify me about my repayments cycle starting got to me because of all of these major changes and incorrect information within XXXX database. I did not receive any phone calls, letters in the mail, or emails since they had all changed. 

Before these derogatory remarks, my credit score was in the low XXXX. I am a responsible person who paid all their bills on time and stayed out of debt aside from car, home, and student loans. 

I understand updating my contact information in XXXX is my responsibility. However, I am looking for a little grace. Since receiving these derogatory remarks, I have fully paid the past due balance and set up auto pay within 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 2025-06-24 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: MD

Complaint narrative:
Since COVID XXXX, all of my student loan accounts were frozen. Since that time, I moved jobs, states that I lived in, marital status, contact information, and various other aspects of my life. My wife and I were able to save for our wedding, a house, have a child, and pay off some of our other debts. There have been many major changes in my life since XXXX when my student loans were first frozen. When student loan repayment started in XX/XX/XXXX, none of XXXX 's attempts to notify me about my repayments cycle starting got to me because of all of these major changes and incorrect information within XXXX database. I did not receive any phone calls, letters in the mail, or emails since they had all changed. 

Before these derogatory remarks, my credit score was in the low XXXX. I am a responsible person who paid all their bills on time and stayed out of debt aside from car, home, and student loans. 

I understand updating my contact information in XXXX is my responsibility. However, I am looking for a little grace. Since receiving these derogatory remarks, I have fully paid the past due balance and set up auto pay within XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I purchased an item or made an order online with XXXX clothing using my AMEX Credit card on two different occasions. 
I got to know about XXXX via promotional offer from American Express platinum card that I have with I want to use by purchasing the qualifying items. 
XXXX. XXXX XXXX of {$350.00} was purchased with my Amex credit card on XXXX XX/XX/year>. 
I got a notification that XXXX  will deliver the on XXXX XX/XX/year> where I later saw the photo of delivery outside communal door of my building which was not delivered to me, neighbor, friend or to my door. When I got home from work I could not see any package and I raised a complaint with XXXX and unfortunately they told me that they can not refund me so I raised dispute with Amex and the money was put on hold and I did not get further update with Amex. 

2. I purchased a XXXX XXXX XXXX  of {$1300.00} and got delivery notice that was delivered on XXXX XX/XX/year> and no photo was shown so I quickly rushed down to the house. I was like a mad man asking neighbors if they got my package but unfortunately said no. I kept asking where did the XXXX delivered the package to as no proof of delivery. 

I immediately contacted the merchant XXXX who told me that I should speak to XXXX but while contacted XXXX  they told me that I dont have any business with them that I should speak to XXXX and ask them to contact them. 
The XXXX support then told me that they will investigate the issue and get back to me and I requested a copy which was sent to me but I got no update from XXXX and I realized a dispute which was declined and filled dispute with Amex and the money was put on hold. 

Few weeks after I saw that my account spending has increased so I contacted Amex and was told that I was rebilled the XXXX payment. I was not happy with Amex because it surprised me that Amex did not update me about the dispute and awarded or rebilled me with the transaction. Then I asked them to check the previous dispute which was also rebilled and I never knew so I opened the dispute for both and told Amex I want update of every process. 
Now Amex told me that the merchant send them tracking number or info and the order was delivered at my address and theres nothing they can do. 
It is so frustrating that they want me to be liable and responsible for item or order I did not received. 

I need help and support because Im frustrated. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: DISCOVER BANK
State: AL

Complaint narrative:
I initiated a what I believed was a prequalification application with Discover. However, I quickly learned that the process resulted in a hard pull. I called and spoke to representatives on XXXX to inquire about the notifications that I received regarding a hard inquiry. I went on to explain that I was not aware that the prequalification process would warrant a hard pull it was not my usual experience. Today with XXXX, I requested that the inquiry be removed because I was not aware of this practice and the process didnt specify a hard pull. I requested information for discovers prequalification process but, she stated that she was not able to locate anything. I mentioned the information listed on their website and it clearly states that prequalifications do not require hard inquiries. She stated that it was general information and not related directly to Discover. She stated that she would escalate the issue and follow up with me. I decided to make CFPB aware. Im simply asking that the inquiry be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$7000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$11000.00}

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 2025-06-24 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: AL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-24 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: IN

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

I have attached copies of my government-issued ID, utility bills, and Social Security card to verify my correct personal information. Please initiate a thorough investigation and remove or correct these errors immediately. Please confirm in writing once the corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: MD

Complaint narrative:
On XXXX I submitted a dispute to Experian through the cfpb website about two accounts on my experian, both XXXX XXXXXXXX and my only XXXX XXXX  accounts on my credit reports, reporting late payments for both accounts, however both XXXX  and XXXX show that both accounts were never late on their respective reports. 

Copys were sent with my dispute to experian. In record time, 4 days to be exact, experian responded with information VERIFIED on XX/XX/year>. 

On XXXX I contacted experian by phone during which time they stated they completed their investigation by just simply taking the data furnisher sword for it and have not done any investigation themselves. 

Recently, a lawsuit was filed by the cfpb against experian for doing the same sham investigations, and taking the finishers word only that its accurate, even when supporting documents show the discrepancies. 

I respectfully request that experian be held monetarily liable again for not conducting propper investigations, as well as I request both XXXX XXXX accounts be brought current and in line with XXXX XXXX XXXX  as being on time and never late. 

Furthermore I respectfully request a check in the amount of XXXX from experian for their violations of the FCRA and failing To investigate a dispute accompanied by proof that it was being reported incorrectly.

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 2025-06-24 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: NV

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-06-24 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:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX INQUIRIES : XXXX XXXX Date : XX/XX/year> XXXXXXXX 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 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 2025-06-24 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-24 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: SC

Complaint narrative:
Experian Credit Services PO Box 9554 Allen, TX 75013 This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX SC XXXX INQUIRIES : 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 2025-06-24 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: GA

Complaint narrative:
I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : Account details : XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification ) This matter is extremely time-sensitive, and I appreciate your immediate attention to this dispute. Please confirm the removal of this fraudulent account promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
My credit report has items that have resulted from fraud. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. Do anything necessary to remove them from my report now!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: IL

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
Summary of Complaint : Huntington Bank opened new accounts in XX/XX/XXXX, issued debit cards and welcome letters, and within 48 hours froze or closed all accountsciting fraud issues from XXXX and XXXX that I had no role in, as I was a victim of violent robbery. I was sent a cease and desist letter and barred from banking communication, despite previously having been cleared through XXXX  verification. 

Requested Action by CFPB : Investigate Huntington Banks risk procedures and account closure justifications.

Require the bank to reinstate my accounts or provide written reasoning supported by evidence.

Determine if the bank violated consumer protections under Reg E or other federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts and information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation