vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/year> - Card opened at Home Depot in my name and used to make a purchase. 
XXXX - Recieved card in the mail. First time I was made aware of the card. Called Citibank to close the card. They were unable to disclose if any charges were made on it. I was told that if charges were made to call back to report they were fraudulent. 
XXXX Recieved a statement with charges. Called Citibank and reported again that the card was opened fraudulently. They stated they would open an investigation. 
XXXX Recieved word that the investigation found us responsible for the charges given we recieved the card at our address. 
XXXX- Called to figure out what additional information they needed to prove it was not me that opened the card. They stated a police report and filing the case with a Federal Bureau. I did and provided the police report. 
XXXX stated they did not reopen the investigation, but if I could provide proof that I was working at the time of the fraud they could reopen the investigation. 
XXXX sent call logs from my employer with time stamps of my calls. Deliver reciept stated they recieved the letter with the call logs. Calling in they stated they never recieved it. 
XXXX - Called in again to see if they had processed the letter and call logs. Again stated they never received it and provided an email address for submission. Several conversations had stated there is no digital means of providing information. Suddenly an email address was available. 
XXXX- Received a letter stating the investigation was completed and we are still responsible for the charges. This is despite my call log clearingly showing I was logged in and taking phone calls during the time of the fraud.

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 2025-04-07 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: GA

Complaint narrative:
I have reported several data breach and fraud incidents to the Federal Trade Commission that have resulted in unauthorized access and use of my financial and personal information. I have recently discovered that several of my accounts were hacked leading to multiple fraudulent attempts to make purchases, additionally, do to the rising concern of the many data breaches that has transpired over the last several months, I am taking precautionary measures to protect my identity moving forward by reporting the fraudulent activity I am experiencing. Furthermore, I did not authorize, nor permit such use nor activity in regard to my personal information. I am filing a COMPLAINT against EQUIFAX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, responds within 24 hrs stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax, complies with federal law and provides with the necessary proof of investigation. Furthermore, according to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ) that an identity theft report has been filed ;

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 2025-04-07 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 have reported several data breach and fraud incidents to the Federal Trade Commission that have resulted in unauthorized access and use of my financial and personal information. I have recently discovered that several of my accounts were hacked leading to multiple fraudulent attempts to make purchases, additionally, do to the rising concern of the many data breaches that has transpired over the last several months, I am taking precautionary measures to protect my identity moving forward by reporting the fraudulent activity I am experiencing. Furthermore, I did not authorize, nor permit such use nor activity in regard to my personal information. I am filing a COMPLAINT against EQUIFAX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, responds within 24 hrs stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax, complies with federal law and provides with the necessary proof of investigation. Furthermore, according to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ) that an identity theft report has been filed ;

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: TX

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 explanation
Consumer complaint received 2025-04-07 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I discovered that each of these corporations has illegally accessed and used my name, date of birth, my Social Security Number. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additional private and sentative information concerning my nonpublic and private information without my legal and lawful written consent to have such information. I never provided any of these corporations or third party funisher 's to have my information. Per 15 USC 1681 ( b ) I want them to send me the verifed written notice in wet ink signature by me that I provided for them to infringe on my rights This is a violation of the privacy Act. This is illegal as these corporations are backdooring consumer 's information for profit. Then these corporation without permisson again, place a inquiry on your consumer credit report as a negative mark, they never gave you anything but they securtized the application, meaning they made money off of it. An application is a secured agreement. XXXX diffirent parties authorizing the document unlawfully law. 
15 USC 6802- Banks and all others are supposed to let you know that they are going to report to XXXX  , they are supposed to give an option to opt out which they do not. 18 USC 1028 A- Banks and other agencies passing the consumer information around without lawful authority. They are all breaking the law. 15 USC 1681e ( b ) Accuracy of Reports 15 USC s 1681s-2 ( b ) Resposibilities of Furnishers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: CA

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 explanation
Consumer complaint received 2025-04-07 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-04-07 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: SC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company
State: OK

Complaint narrative:
When I took out this loan I was struggling with bills. I didnt realize at the time the interest rate was 682 % also this is way over what the state of Oklahoma allows. This loan should be forgiven since its illegal to begin with. 
Please understand if you do not forgive this loan. I may be forced to take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
b"XXXX XXXX stole my identity to apply credit card at Wallgreen Pharmacy and she told all thieves to join Wallgreen account with by stealing my phone XXXX XXXX XXXX, email: XXXX. She stole my 3 preapproved letters XXXX  to buy house at XXXX XXXX XXXX XXXX  MA XXXX, and bought XXXX XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX  MA XXXX she stole  my credit card from TJmaxx credit limit XXXX  when she locked my bank app and online banking and withdrew money XXXX from my checking account at XXXX XXXX XXXX  and stole my credit report and created fake personal credit report from XXXX and created business credit report from XXXX. FBI and State police requested to XXXXXXXX police to arrest her without warrant. XXXX XXXX boyfriend as XXXX XXXX as fake XXXXXXXX police and he went to jail and stole my identity to become a XXXX XXXX XXXX XXXX XXXX XXXX  as XXXX XXXX XXXX stole my younger sister's identity changed to XXXX XXXX  to steal my bank account everywhere. My sister legal name is XXXX XXXX XXXX when she is a US citizen so XXXX police XXXX XXXX showed his computer XXXX XXXX fraud had 3 names, I requested XXXX to delete the name fraud from XXXX XXXX XXXX XXXX stole my identity changed to XXXX XXXX  and XXXX XXXX  with XXXX XXXX or XXXXXXXX XXXX  They stole my checking account and 4 CD from XXXX XXXX XXXX converted Bankruptcy, credit card, mortgage and auto loan when I asked XXXX bank app that I didn't have debit card and thieves locked my debit card. They stole my checking account and 3 CD from XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and changed my name to XXXX XXXXXXXX XXXX XXXX  fraud and security fraud provided license to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and she didn't open account for me. I reported to FBI in XXXX and XXXX and state police and XXXX  police 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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
I am filing this complaint due to multiple inaccuracies in how [ XXXX XXXX XXXX ] is reporting a charged-off account on my credit report. These errors have had a negative impact on my credit profile and may violate the Fair Credit Reporting Act ( FCRA ). The following issues have been identified : 1. Incorrect Balance Reporting After Charge-Off The account is listed as Charged Off but continues to show an outstanding balance. If this debt was sold, the original creditor should report a {$0.00} balance. The current reporting is misleading and may be unlawful. 
2. Inaccurate Payment History ( 60-Day Late After On-Time Payments ) A 60-day delinquency is being reported in [ Insert Month/Year ], despite several consecutive months of on-time payments prior to this. This inconsistency raises questions about the accuracy and reliability of the payment history.

3. Duplicate 30-Day Late Payments in Consecutive Months The credit report reflects 30-day late payments across two or more consecutive months, which is not accurate. A payment that remains unpaid should progress to 60 days late, not remain at 30.

4. Inconsistent Date Closed Among Credit Bureaus The Date Closed for this account varies depending on which bureau is reporting it. This inconsistency is problematic and suggests that the data being furnished is not uniform or accurate. 
5. Repeated Monthly Reporting of Charge-Off Status The account is marked as Charged Off month after month in the payment history. A charge-off is a one-time event. Continuously reporting it as recurring misrepresents the account and causes unnecessary harm to my creditworthiness.

6. Failure to Issue a 1099-C Tax Form After Charge-Off Despite the account being charged off or written off, I have not received a 1099-C form from the creditor, which is typically issued when a debt is canceled or forgiven over {$600.00}. The absence of this form further calls into question the legitimacy and completeness of the accounts reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: KY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/2025 Consumer Financial Protection Bureau po box 27170 Washington , DC 20580 Subject : Report of Identity Theft Dear Consumer Financial Protection Bureau, I am writing to formally report that I am a victim of identity theft. I discovered that my personal information has been compromised, leading to unauthorized accounts and transactions being opened in my name without my consent. 

I first noticed this suspicious activity as of XX/XX/2025 when I was receiving a bill for an account I did not open, noticing unfamiliar charges on my credit report. From Discover bank ; I have contacted the companies involved to report the fraud and requested that they close the unauthorized accounts. But Im yet to receive a response or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: MA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
Paid off for a settlement amount on XX/XX/XXXX after I call today due to receiving an email stating that I owe almost {$500.00} which was incorrect. The final payment was made on XX/XX/XXXX today they told me that my account was charged off on XX/XX/XXXX I called and spent over 30 minutes on the phone even spoke with the supervisor. Theyre telling me that they can not send a letter to the collection agency stating that my account was paid off and that there is nothing that they can do I have a 30 minute recorded conversation of them stating this confirming the payment confirming that the note state that the account was supposed to be closed with XXXX XXXX balance however they chose not to assist please please advise if you would like a copy of this recording. I have it ready and available if Im not able to attach it here I can attach it or send it to you any other way I dont feel that its fair if I call to pay off an account and choose the settlement amount which all they did was waive, the finance charges to pay the account off and stated that I just would not be able to rent from them again, but to take my money and then not to try and assist me stating that I was supposed to make it with a different department when I wasnt advised that until after the payment was already made

Company response to consumer: Closed with explanation