vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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 FL XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8100.00}

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I submitted proof that the amount they have reported on my credit report is incorrect. They have yet to correct it although I told them the amount was incorrect prior to it going on my credit report. They are knowingly reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. UNKNOWN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: PulteGroup, Inc.
State: TX

Complaint narrative:
XXXX XX/XX/year> - applied for loan with Pulte Mortgage after Sales Agent stated that I would receive {$20000.00} incentive at closing if I used their in-house lender, Pulte Mortgage . 
XXXX XX/XX/year> - received loan estimated with discount points added to the loan without my request or consent XXXX XX/XX/year> - received updated Loan Estimate, and a Discount Point Fee disclosure that states " There are a total of XXXX discount point ( s ) on this loan, which may be paid by the borrower, seller, lender and/or third party. You are paying XXXX of the XXXX discount points. '' My Loan Consultant, XXXX XXXX, stated I will not have to pay for this point because they matched the rate I would receive from XXXX XXXX. 
XXXX XX/XX/year> - Reminded Loan Consultant, XXXX XXXX, that my disability rating was 90 % so my VA Funding Fee should be waived. Loan Estimate still wrong. 
XXXX XX/XX/year> - Received closing disclosure that changed the {$20000.00} incentive to {$0.00} in " Calculating Cash to Close '' section, and states - See Seller Paid Column on Page 2, but when you look at Page 2, none of the numbers in the Seller Paid column are negative numbers or zeroed out. 
XXXX XX/XX/year>- During closing, I raised all these issues. Due to the stress and duress of this entire process, and because my family had already moved out of my apartment, I signed the closing disclosure, as waiting any longer to get into the house would have been even longer. 
Closing Disclosure states final costs as {$560000.00}, but the Settlement Statement has the final amount at {$580000.00}, a difference of {$20000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NJ

Complaint narrative:
My mother and I went to XXXX XXXX on XX/XX/XXXX. She sent me {$140.00} to me through Cash app.it has been a month and cash app has not released to me. I have an additional {$290.00} stuck in there because I can not with draw the funds because my account has been suspended. have reached out to them multiple times with no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-10 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: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is a follow up to case XXXX Wells Fargo they have responded. Their response did not address the issue which was them holding on to my funds for an unreasonably long period. Their response was to state that they were following the process -- that same process that triggered my first complaint!

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 2025-07-11 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: CA

Complaint narrative:
I went in to get a new debit card because mine was lost and I was asked if I wanted to upgrade to XXXX XXXX  and I told the teller I recieve direct deposit will I have to do my direct deposit over with my employer she said no all my funds will be automatically transferred over to the XXXX  account. So I signed up thinking Id be ok. Come pay day still nothing so I called that specific ace store and was told again that it will be automatically transferred. So I called the number on the back of my card just for them to tell me my account number or routing number was different so Id have to give my payroll my new info. This is absolutely ridiculous I have bills that need to be paid and now its going to be a hassle all for the teller to get her commission. I was lied to not once but twice

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 2025-07-10 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: GA

Complaint narrative:
I consistently monitor my credit report because maintaining a strong credit score is a priority for me. Unfortunately, I continue to find inaccurate and misleading information listed, despite multiple efforts to have these issues addressed. This has become an ongoing problem that remains unresolved, and its taken a serious toll on both my financial opportunities and personal well-being.

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 2025-07-10 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
This is in response to MG Credits latest update and the attached documentation regarding the alleged debt for a gym membership with XXXX XXXX XXXX XXXX. 

First and foremost, I strongly dispute the validity of this debt and reject any implication that I owe the stated balance of {$690.00}. The documentation submitted fails to provide sufficient evidence that this account is legally owed, nor does it include any proof that I agreed to the terms being used to justify this amount in collections. 

While a membership agreement was signed in XXXX, the contract explicitly allowed for cancellation under multiple conditionsincluding medical hardship and relocationboth of which applied to me. Furthermore, XXXX XXXX failed to provide clear notice of billing issues or allow a reasonable opportunity to resolve any payment method failure before abruptly closing the account and assigning a full contract balance to collections. According to their own notes, the last communication attempts were one automated email in XX/XX/XXXX and a collection call in XXXX XXXXno actual billing invoice, itemized charges, or final balance explanation has ever been furnished. 

In addition, the claim that the club did not close but changed ownership in XXXX supports my position : the business I entered into an agreement with ceased operations under its original ownership, and the contract clearly warns that prepayments are made at the buyers risk in the event of such changes. 

Let me also emphasize : I was not notified that my account was being sent to MG Credit until long after the fact. 
I do not acknowledge this debt as valid, nor has sufficient proof been provided to verify it. 
I have not been mailed or shown a legitimate breakdown of the alleged charges, how the total was calculated, or how many payments were allegedly missed. 
No physical mail or billing correspondence was ever received, and email is not a legally binding notification for debt collection under the Fair Debt Collection Practices Act. 

Lastly, MG Credit admits I requested no further contact this was in response to harassment tactics, and me already advising XXXX services are not needed are not a waiver of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I applied for a personal loan through LightStream  to help fund construction of my private residence, which sits on land owned by my 501 ( c ) ( 3 ) -pending nonprofit, XXXX XXXX XXXX XXXX XXXX XXXX . 

This is the first sanctuary of its kind in the U.S., blending : A no-kill, adoptable animal rescue Transitional housing and reintegration program for domestic violence survivors and their pets Reintegration housing and recovery support for forgotten veterans And trauma-informed programs to restore hope, healing, and dignity Our sanctuary doesnt just offer shelter. We rebuild lives for those fleeing abuse, for survivors of war, and for animals no one else would take in. 

I was denied funding despite a verified XXXX  credit score of XXXX. My prior bankruptcy from XXXX  was officially removed by XXXX  before this denial and I attached proof. I was told my application was in the wrong category, then disconnected by the LightStream rep when I asked for a supervisor. 

I explained clearly : this loan was for my own home, being built on nonprofit land and that the denial not only harmed me personally, but also delayed safe housing for survivors, veterans, and animals depending on this mission. 

This wasnt a misunderstanding. It was a system failure one that denied a woman-led, survivor-led, veteran-supporting nonprofit access to critical housing funds based on outdated information and inflexible policy. 

The harm caused is measurable and it demands accountability.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Capital One discriminated against me. Unfairly cut my Kohl 's capital one credit card off due to a XXXXXXXXXXXX XXXX XXXX  Capital one sent the letter out on XX/XX/year>. The particular credit Bureau capital refused to list the direct of the credit bureau. I know the direct name of the credit Bureau. Capital one Aided and abetted the particular credit bureau to. Make false fraudulent out of retaliation toward me. When I file my dispute with the CFPB on the particular credit and the CFPB file a lawsuit shortly after I filed Mutiple complaint on that particular credit bureau. I have filed multiple racial complaint with capital one. Capital, one stated I will be contacted in 10 days it's been 10 weeks. Capital one is required by law to list the direct name of the credit bureau. Capital one is interfering with my federal Arbitration case withholding evidence information. I have mailed in multiple request no response. I have faxed over a request for the Kohl 's capital one information no response. Someone called my phone from capital one about last month or prior and asked if anyone contacted me and I stated no, and they said that's all I needed to know and hung-up the phone and never called back. 

Capital never received a copy any false dispute the Credit bureau stated I filed. I never filed a dispute related to the kohl 's capital one credit card The particular credit bureau commit credit card fraud. Capital one refuse to take my complaint and file charges on the credit bureau. Capital, one breeched their own agreement when cutting my credit card off due to racial retaliation from the particular credit bureau.

I sent in multiple demands to request Arbitration since this occurred in XXXX, I don't even want my Capital one silver credit card anymore I don't want to be a capital one customer dur to inside fraud with the XXXXXXXX XXXX XXXX  related to my kohl 's capital one credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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 TX XXXX INQUIRIES : 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 2025-07-10 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: NE

Complaint narrative:
I have fraudulent accounts still appearing on my credit report. These accounts are unlawfully being reported with false information and fraud accounts. They have failed multiple times to give me any proof or documents showing I have a legal contract with them. I am demanding under my rights using the FCRA LAW these unauthorized accounts to be removed from my credit report. XXXX, XXXX XXXX, XXXX XXXX, XXXX. Here are all the inquiries that are fraudulent and are appearing on my credit report that I am demanding to be removed. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. All these accounts and or inquiries needs to be removed due to fraudulent activity and or do not belong to me.

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