vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: NY

Complaint narrative:
For months I was aware of accounts opened in my name without my knowledge or authorization. I contacted the company ( via reaching out through FTC identity theft report and sent to the crdit bureaus ) to request verification of the original documents and information used to open this account. However, they were unable to provide these details. This lack of documentation raises serious concerns and further supports my claim of identity theft. Some of these companies I called and found that the information they had ( spelling of name, ssn, address ) did not match my true information. I sent these companies my true information and they disregarded and failed to acknowlege the ID theft and maintained this account belonged to me. I request that this matter be investigated thoroughly and that any accounts or activity linked to this identity theft be suspended or removed from my records. I also request, per FCRA Section 609 ( a ) ( 1 ), full method of verification for the items in question, including the original signed contract or application bearing my signature. If you are unable to verify the accuracy and legitimacy of the item ( s ) within 30 days, you are required by law to delete the information from my credit file. 
XXXX XXXX XXXX  XXXX XX/XX/year> 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 2025-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
Issue : On XX/XX/year>, a {$480.00} payment to XXXX XXXX reduced the loan balance to {$15000.00}, below XXXX  settlement of {$16000.00}. XXXX  failure to reconcile these amounts resulted in unjust enrichment of {$1100.00} the difference. Requesting immediate refund and correction of the payoff balance.

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 2025-05-28 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: FL

Complaint narrative:
b'I recently reviewed my credit report and notice inaccurate information that is hurting my ability to obtain credit. It is my understanding that your company will investigate and make sure my account is being reported correctly. The account is listed below\n\n\nXXXX 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 non-monetary relief
Consumer complaint received 2025-05-28 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:
This letter serves as notice that my credit report has fraudulent accounts due to a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : 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 FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX  XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Today XX/XX/year>, I went to the store with my XXXX XXXX XXXX son. I was having issues with my car starting and had my Father, XXXX XXXX XXXX {$220.00} to my checking account so I can buy a new battery from XXXX in XXXX XXXX, unable to make the purchase and sitting in the hot sun XXXX, I discovered by calling the XXXX number on the back of my bank of America card, that they have froze my account and have severed ties with me. They will mail me a check. 
I'm very confused with them advising they don't have to advise why they did. How devastating when I can't think of a legit reason t do so. I'm not a criminal, doing nothing shady, just working and paying bills. XXXX notice, funds held, bills are due and I have small children. 
I can't XXXX a legitimate reason as to why this would happen after many years of banking. 
So I have to wait 30 days for them to maybe mail me a check, I have direct deposits which I need to now cancel but how do I start a new checking account when I have no funds. This is putting my family in a detrimental situation.

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 monetary relief
Consumer complaint received 2025-05-28 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: NV

Complaint narrative:
After i reviewing my credit report i noticed an account that i did not recognize. After doing some digging and consulting a XXXX XXXX it came to my knowledge that the account was opened fraudulently. I signed and created a Identity Theft report. I was directed by the FTC to file this claim to have this account removed as a result. The account " XXXX XXXX XXXX '' was opened on the date XX/XX/year> with fraudulent charges exceeding {$1600.00}.

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 2025-05-28 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:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: MD

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 XXXX XXXX. 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 XXXX  of my XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: WI

Complaint narrative:
These items are inaccurate, outdated, and/or unverifiable for the following reasons : Several accounts have been resolved, XXXX  or are reporting incorrect balances and payment histories. 

The XXXX XXXX  Bankruptcy ( XXXX XXXX. XXXX ) must be immediately removed because it exceeds the seven-year reporting limit in violation of FCRA XXXX XXXX ( a ) ( XXXX ) ( XXXX U.S.C. XXXX ( a ) ( XXXX ) ). 

Any charged-off accounts must also be removed if the date of first delinquency is over XXXX years old, pursuant to FCRA Section XXXX ( a ) ( XXXX ) ( XXXX XXXX. XXXX ( a ) ( XXXX ) ). 

Information that can not be verified must be deleted according to XXXX XXXX. XXXX ( XXXX ). 

Pursuant to XXXX XXXX. XXXX ( b ), Equifax is legally required to ensure the maximum possible accuracy of all consumer report information. Under XXXX XXXX. XXXX, I formally request a complete reinvestigation of these items. 
Furthermore, I am invoking my right under XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( iii ) to receive the XXXX of XXXX for any item that Equifax claims to verify. 
Additionally, under XXXX XXXX. XXXX, I demand confirmation that each listed account was reported with a proper and lawful permissible purpose. 

I am also aware of the recent CFPB lawsuit filed XX/XX/year>, against Experian and Equifax regarding failures to properly investigate consumer disputes, as exposed through their so-called sham investigations. Based on this official federal action, XXXX handling of my account disputes reflects XXXX and possibly willful noncompliance with federal 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 non-monetary relief
Consumer complaint received 2025-05-28 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: WI

Complaint narrative:
These items are inaccurate, outdated, and/or unverifiable for the following reasons : Several accounts have been resolved, XXXX  or are reporting incorrect balances and payment histories. 

The XXXX XXXX  Bankruptcy ( XXXX XXXX. XXXX ) must be immediately removed because it exceeds the seven-year reporting limit in violation of FCRA XXXX XXXX ( a ) ( XXXX ) ( XXXX U.S.C. XXXX ( a ) ( XXXX ) ). 

Any charged-off accounts must also be removed if the date of first delinquency is over XXXX years old, pursuant to FCRA Section XXXX ( a ) ( XXXX ) ( XXXX XXXX. XXXX ( a ) ( XXXX ) ). 

Information that can not be verified must be deleted according to XXXX XXXX. XXXX ( XXXX ). 

Pursuant to XXXX XXXX. XXXX ( b ), Equifax is legally required to ensure the maximum possible accuracy of all consumer report information. Under XXXX XXXX. XXXX, I formally request a complete reinvestigation of these items. 
Furthermore, I am invoking my right under XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( iii ) to receive the XXXX of XXXX for any item that Equifax claims to verify. 
Additionally, under XXXX XXXX. XXXX, I demand confirmation that each listed account was reported with a proper and lawful permissible purpose. 

I am also aware of the recent CFPB lawsuit filed XX/XX/year>, against Experian and Equifax regarding failures to properly investigate consumer disputes, as exposed through their so-called sham investigations. Based on this official federal action, XXXX handling of my account disputes reflects XXXX and possibly willful noncompliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: GREENSKY OPERATIONS, LLC
State: CO

Complaint narrative:
Account opened XX/XX/XXXX and paid as agreed This account was closed by credit grantor which affected my credit in XX/XX/XXXX. 
I have continued to pay this account balance online since XXXX up until XXXX of XXXX. I was unable to log in and nobody can tell me why. I am unable to make payment or view my account. I did not receive any information regarding losing access online. Greensky website still states. Go online anytime. I called in XXXX to advise this issue and was only told it must be a one time issue, attempts to reset my password even from the representative failed an account would not allow me in. In XXXX I made payment over the phone which posted. I called XX/XX/XXXX to report the same issue. Payment with confirmation number XXXX, has not debited from my account. I have advised over the phone I need my billing statement and access to view my account. A representative gave me information to make a guest payment. Which i advised will not work. 
A complaint was taken on XX/XX/XXXX. I was told I would hear back by the XXXX and receive an email with the tracking number. I have not. 
I called on the XXXX and was told i would receive a call from the representative working the case. I did not receive a call. I called the XXXX, a representative advised she could not locate the complaint I have a right to receive my billing and account information, I need to review my statements and my XXXX payment has not posted. Nobody can tell me anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: PA

Complaint narrative:
I am a victim of a recent data breach, and I have discovered fraudulent accounts on my credit profile. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete them within 4 days : 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 Please delete and block the following accounts from my credit report Accounts Inquiries XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  XXXX   Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have neither authorized this inquiry nor engaged in any discussions with the lender on that date.

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 2025-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Subject : NetCredit Violating Cease-and-Desist and Federal Law Ongoing Harassment and Illegal Escalation of Account To the Consumer Financial Protection Bureau , I am submitting a formal complaint against NetCredit for violating multiple consumer protection laws, including a legally binding cease-and-desist notice that was previously sent to them in writing by my legal representative. Despite this, NetCredit has continued to harass me with emails, threaten to escalate the account, and claim they may send it to collectionseven after the account has already been sent to collections and a payment was received. 

This is not only unacceptable ; it is a clear and repeated violation of several federal protections afforded to me, including : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ) : Continuing to contact a consumer after receiving a written notice to cease communication is a direct violation of this statute. 
Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ), under the Dodd-Frank Act ( 12 U.S.C. 5531, 5536 ) : NetCredits behavior qualifies as abusive, deceptive, and unfair. They are misleading me about the status of the account, escalating after payment, and threatening duplicate action ( collections ) on an account already placed with collections. 
Fair Credit Reporting Act ( FCRA ) : If NetCredit is continuing to report or modify the reporting of this account while it is under dispute and legal scrutiny, they may also be in violation of FCRA provisions. 

Please note that this complaint is not a duplicate, even though my prior complaint was marked as such. That complaint dealt with NetCredits illegal loan terms and interest rates. This complaint addresses their direct and willful violation of a cease-and-desist, ongoing harassment, retaliatory account escalation, and collection threats made after : I submitted a cease-and-desist letter via my legal representative Payment was already received on the account I notified them in writing of my intent to file a lawsuit NetCredit is continuing this harassment while fully aware that their actions are being monitored by the CFPB, the XXXX  Attorney General, the FTC, and my legal counsel. This is intentional, egregious misconduct and a willful disregard for the law. 

I demand that this complaint be escalated and not marked as a duplicate, as the situation has significantly changed and constitutes an entirely new violation. I respectfully request full investigation and enforcement against NetCredit for their repeated, abusive behavior. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is my second complaint for the same type issue as the first one I filed with you on XX/XX/XXXX. Wells Fargo let me know that 3 fraudulent transactions had taken place on in 3 cities in 3 different stores in XXXX, a 4th transaction was denied in XXXX  for about {$2000.00}. 

Wells doesn't let you tell them what happened, they just ask you to identify if the transactions were yours, ( then deny it. ) They " investigated ' and denied my claim. I filled out paperwork with you, and you contacted Wells, they reopened the case, and they paid me for those. 

NEW CLAIM - XXXX through the first investigation, they discovered 3 more transactions and asked me to identify them, and they weren't mine either. I didn't file those with you, I'm doing it now, but they were just like the first ones- 3 transactions in 3 different stores in XXXX. XX/XX/XXXX - {$53.00}, XX/XX/XXXX - {$86.00} and XX/XX/XXXX - {$86.00}. They again " investigated '' and denied the claim of the 3 new transactions. They didn't send me any paperwork on these 3 fraudulent transactions. 

I filed a police report with XXXX XXXX police, the ref # is XXXX XXXX  police are also investigating, since the crimes happened in their state - XXXX XXXX in XXXX  is investigating, his ph # is XXXX Wells acct # 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 2025-05-28 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:
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 XXXX XXXX. 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 XXXX  of my XXXX  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
This is a follow-up to a previous dispute I submitted regarding the account in question. Despite my efforts, the account continues to show inaccurate and incomplete information on my credit report. I am now formally requesting a detailed description of the procedures used during your investigation. You are legally required to provide this within 15 days of receiving this notice. If you can not verify the information or fail to respond, I request that the disputed items be removed. Attached is my written request for your reference. Thank you in advance for your timely response.

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