vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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: NJ

Complaint narrative:
I am once again forced to file a complaint due to Experians ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ). This situation should never have happened in the first place. The following accountsXXXX XXXX ( # XXXX ) ** and XXXX XXXX ( # XXXX ) **were previously deleted from my credit report after being found unverifiable. Yet, they continue to reappear without proper notice, verification, or explanation. To this day, I have not received any response from Experian explaining why these accounts were reinserted, what verificationif anywas conducted, or whether any proper reinvestigation took place. XXXX XXXX was deleted from my XX/XX/year> XXXX report but reappeared in XXXX. The XXXX XXXX account was removed from my official Experian report in XX/XX/year> and was also not showing on XXXX. However, in XXXX, it reappeared on XXXX under the Experian section while still removed from my official Experian reportdemonstrating serious inconsistency between what Experian reports directly and what it transmits to third-party platforms. By early XX/XX/year>, the account was fully reinserted on both reports. This repeated deletion and reinsertion without any documentation or proper notice is a clear violation of FCRA sections 1681i ( a ) ( 5 ) ( B ), 1681i ( a ) ( 6 ) ( B ) ( iii ), 1681i ( a ) ( 1 ), and 1681e ( b ). XXXX and XXXX have permanently deleted these accountsonly Experian continues to report them without justification. At this point, I have to question whether Experian has even reviewed its own records. If you were in my position, you would understand how infuriating this is. This is not a mistakeit feels like deliberate mishandling. I want these accounts permanently deleted and never reinserted again unless full legal reinsertion procedures are followed.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: AZ

Complaint narrative:
I am requesting to temporarily unfreeze my credit report in order to facilitate the verification process required for a loan application I am currently pursuing. The lender has informed me that they need to review my credit history to assess my eligibility for the loan. Since my credit report is currently frozen, they are unable to access the necessary information to complete the verification process. In order to move forward with my loan application and avoid any delays, I need to unfreeze my credit report so that the lender can perform the required credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I have been with the American Express company since XXXX and my account was closed last Monday, XX/XX/XXXX. 

I received a statement in the mail on Saturday, XX/XX/XXXX and I contacted them and they reported there was nothing wrong with my card. 

however, when I called back to make sure it wasnt fraudulent, they had indeed closed my account. 

They said I havent used it in almost a year, even though the expiration date is XX/XX/XXXX. I had no balance. They simply closed it and it ruined my credit standing that I took so long to build up! 

My credit score was XXXX to XXXX and it is now below XXXX because of this. I was destroyed as I had been with the company for 30 years and I can not believe that they did this. It is horrifying that a company can ruin your credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: UT

Complaint narrative:
I was looking over my credit report and came across a bankruptcy I stated to experian credit reporting agency if they could provide me with a written and signed document that states I gave them permission to furnish this bankruptcy on my credit reportand they could not provide me with the document I requested.

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 2025-03-28 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: VA

Complaint narrative:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of my credit profile.

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 2025-03-28 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: TX

Complaint narrative:
Today, I noticed that my credit report contains incorrect accounts, and I have no idea how they appeared. I frequently check my report, but this time, there were unexpected discrepancies. I attempted to refresh my browser, thinking it might be a technical issue, but the errors persisted. Due to this, I ask that the documents I have provided be carefully reviewed to ensure I wont have to deal with this issue again.

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 2025-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Bank of America regarding repeated and unjustified restrictions placed on my account, which have resulted in my inability to access and manage my finances remotely. I reside in XXXX and have a Bank of America XXXX XXXXXXXX XXXX XXXX, which I opened on XX/XX/year>2025. 

Despite my compliance with previous verification requests, Bank of America initially resolved the issue and restored my access, only to later lock me out of online banking again and require me to visit a physical branch in the XXXX XXXX to regain access. This is an unreasonable and impractical demand, as I do not currently reside in the XXXX. Most recently, after resolving a prior lockout with the Client Advocate CARE Team through XXXX XXXX XXXX, who allowed me to submit two forms of ID via secure email, my account was again locked simply for inquiring about purchase authorizations. 

These repeated lockouts pose a significant financial and security risk, as I am unable to lock my card to prevent unauthorized transactions or manage my account effectively. I have requested reasonable alternative verification methods, such as remote identity verification via video call, but Bank of America has refused to accommodate this. 

I believe that Bank of America is unfairly denying me access to my account based on an arbitrary and unrealistic in-person requirement. This restriction places undue hardship on me as a customer and violates the principles of fair banking access. 

I am requesting that the CFPB investigate Bank of Americas account access policies and require them to implement reasonable remote verification procedures for international customers. If this matter is not resolved, I will escalate further to other regulatory agencies. 

Please let me know if you require any additional information

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: AZ

Complaint narrative:
I am requesting to temporarily unfreeze my credit report in order to facilitate the verification process required for a loan application I am currently pursuing. The lender has informed me that they need to review my credit history to assess my eligibility for the loan. Since my credit report is currently frozen, they are unable to access the necessary information to complete the verification process. In order to move forward with my loan application and avoid any delays, I need to unfreeze my credit report so that the lender can perform the required credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Made payment to Capitol One check # XXXX XX/XX/25 for {$230.00}. Check was cashed by Capitol One and deposited on XX/XX/25, the payment was not posted to our account and Capitol One has since charged us interest on the amount not paid. 

XXXX called Capitol One, they could not help. 
XXXX called Capitol One, they could not help. 
XXXX called Capitol One provided copies of the cashed check from our bank. Said they would look into the missing payment. Reference # XXXX. 
XXXX called Capitol One, payment still not posted to account, told we have to wait until they have time to research the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: UT

Complaint narrative:
I was looking over my credit report and came across a bankruptcy I stated to experian credit reporting agency if they could provide me with a written and signed document that states I gave them permission to furnish this bankruptcy on my credit reportand they could not provide me with the document I requested.

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 2025-03-28 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: MI

Complaint narrative:
My identity has been stolen, and I am seeking your help AGAIN to swiftly remove these fraudulent items. I kindly request that you delete this specific item as soon as possible and ensure that all other incorrect details are promptly updated.

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 2025-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
They are closed my account and did not sent me my cashier check

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 2025-03-28 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: PA

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2025-03-28 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: InDebted Corporation
State: WI

Complaint narrative:
My personal information was stolen/used to open accounts and were being used to try and get apartments. I did not give my consent to use nor apply for anything. I noticed these account and addresses on my credit report in XXXX of 2025 and i have been working hard to correct this matter. I have been gathering information, filling out police reports and contacting who I can but nothing is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: AZ

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>2025 XXXX XXXX/XXXX/2025

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 2025-03-28 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: TX

Complaint narrative:
reporting inaccurate information misuse of report and score inaccurate reporting / information stolen identity

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 2025-03-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Tribal Lending Enterprise, Inc.
State: SC

Complaint narrative:
To whom it may concern, I was receiving multiple emails and calls from lending companies stating that I had been approved for loans that I never personally applied for. I also received an email confirming my " change in email address '' to an email account under the name : XXXX. That is not my email address, nor do I know to whom it belongs. It appears that someone is using my information to take out fraudulent loans then changing the contact information once approved. This began around XX/XX/year> and I immediately responded to the companies that contacted me via email and asked them to cease all activity in my name and reported the fraudulent activity. I am now being contacted by various lenders and loan departments in an attempt to collect a debt of which I never borrowed. I received emails from the following companies : XXXX XXXXXXXX XXXX XXXX Ascend, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX  Ascend  is the only company that responded and cancelled the account. The other companies have " no-reply '' addresses and make it impossible to communicate. I was contacted via phone ( today XX/XX/year> ) by Bright Lending and was told that I would still be responsible for the loan even though they have record of my attempt to immediately cancel the loan as it is fraudulent activity. Bright Lending said I had exceeded the 30 day requirement to supply proof that it is indeed fraud. They would not inform me of the address they have on file for my account, but they did confirm that it is NOT my actual address. I don't understand how someone can borrow money using a false name and not be caught during a proper vetting process. These companies need higher standards!! Where did this money go? Was it deposited into a bank account? Was it a check that was cashed? Proper identification?!! Please advise on how to take further action before my credit is ruined through no fault of my own!!

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: TX

Complaint narrative:
Regarding : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX CC : TransUnion, CFPB File # XXXX I received a debt collection offer of settlement via email from XXXX XXXX XXXX XXXX XXXX XXXX They are selling me a settlement offer I reject per section XXXX of the Texas Business and Commerce Code. Upon further research I found that this company is violation of proper notice in pursuant to TFC, FDCPA and FCRA. I have since requested from them to verify and validate this alleged account but I received no response from XXXX XXXX XXXX XXXX XXXX XXXX I also request proof of contract between XXXX XXXX XXXX XXXX and the alleged creditor in their records that gives them authorization and my consent to have my information and use it for their deceptive and unfair abuse to unjustly enrich themselves. To the extent the account was assigned I requested full disclosure of assignments, transfers, or bills of sale. I also seek account agreement, consumer agreement, card member agreement or promissory note along with account statements or payment history to support XXXX XXXX XXXX claims. 
It appears that XXXX XXXX XXXX not only provided false and misleading representation, but also causing undue hardship by reporting to consumer reporting agencies using an unfair advantage by not allowing me to dispute the validity of this alleged debt prior to harming my credit which causes limited opportunity for credit. They are intending to damage my character and reputation. This is a direct attack and a violation of my privacy to extort money from me. 
Per section 392.102 of the TFC ( Texas Finance Code ) I may make claim against their bond number XXXX of XXXX XXXX and XXXX XXXX. 
I ask that unless XXXX XXXX XXXX can provide me legal authority and recorded evidence of above requests to back their claim, that they cease and desist all communications. Please also remove listed account from my consumer report. 
Thank you!

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 2025-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX Coinbase just froze my account! I cant withdraw or trade! I am still trying to get resolved!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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