vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My identity got stolen around the time this credit card opened, police report is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
I recently reviewed my credit report and found several fraudulent accounts. am writing to formally dispute and demand the immediate removal of fraudulent accounts that appear on my credit profile. These accounts were opened without my knowledge, authorization, or consent, and they represent a clear case of identity theft. These accounts are hurting my ability to obtain new credit and for work purposes.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
XX/XX/XXXX, I, consumer, traded in my XXXX XXXX XXXX for a XXXX model with the creditor, XXXX XXXX XXXX XXXX XXXXXXXX. According to my current consumer/credit report from XXXX, adverse action was taken against me from both the Creditors credit reporting agency dept. + Consumer reporting agency, in furnishing a late payment for the month of XXXX. After speaking with the creditor, XXXX XXXX XXXX XXXX XXXXXXXX, they don't confirm any late payments on their records. After, opening a dispute with XXXX, asking them to investigate as this is some misunderstanding between creditor and Credit reporting agency. now I have received a letter from creditor stating that the consumer reporting agency reported identity theft. Clearly, neither parties are competent in their efforts so far and this is hurting my livelyhood with the false claims against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
I respectfully dispute the accuracy of a late payment listed on my credit report. After carefully reviewing my financial records, I am confident that this payment was made within the expected period.

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 2025-07-01 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: TX

Complaint narrative:
There are fraudulent inquiries on my credit report tied to applications I did not submit. I did not authorize these companies to access my credit file, and I do not recognize the inquiries. As a result, my credit score has been negatively impacted. 

I contacted the credit bureau, and a representative assured me these inquiries would be removed. However, they still remain on my report, causing ongoing and unnecessary stress.

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 2025-07-01 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: CT

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 CT XXXX INQUIRIES : XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-07-01 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: IL

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 explanation
Consumer complaint received 2025-07-01 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: CA

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

1681c-2 ) that you, the Equifax Information 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 CA XXXX ACCOUNTS : XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Between XXXX and XXXX XXXX, I closed my secured credit card with XXXX XXXX XXXX. 
In XXXX of XXXX I noted on my XXXX  report that late payments from XXXX XXXX XXXX were being reported. I disputed information which was corrected. In XX/XX/XXXX on my XXXX  report the same false information was being reported, I disputed information. Status was updated to pays as agreed and closed by consumer. However, late payments still are on my report. In XX/XX/XXXX Experian started reporting the same false information. I disputed the information and was told information is correct per creditor, then the account now says closed by consumer XXXX, XXXX and the 7 late payments remain. I called the XXXX XXXX in XXXX and customer service said I had no open or recently open credit cards and they can't help me. I then emailed the CEO and Credit Card services department to explain my dispute and have not heard anything back to date. There is no way I have 7 late payments from XXXX on an account I closed in XXXX and was reported as such to all 3 bureaus in XXXX. Please help me resolve this. Thank you, 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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

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 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 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I closed a credit case with removery, a tattoo company on XX/XX/XXXX. The case was finalized and reported reversed to the third party company, commenity bank, on XX/XX/XXXX. I followed up with removery to make sure the debt was cancelled and it was confirmed. On XX/XX/XXXX, I received notification that I have outstanding late fees that have been reported to the credit bureau for this debt that was confirmed to be reversed. Because of this my credit has dropped tremendously due to the account being knowingly and wrongly kept open and incorrectly charged. They will not provide an account or card number, but state they will send a statement within 7 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-01 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: Affirm Holdings, Inc
State: MI

Complaint narrative:
My phone was stolen. Had to get a new phone. Somebody got into my firm account and start ordering stuff and also to my zip account and started a whole new finance process and they wont remove it off of my credit and I told them it was fraud and sent a report number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
I check my credit report weekly. I received an alert for a Hard Inquiry to my Transunion report n the XXXX of XXXX. 
Today, I called XXXX who pulled my report to inform them that that this was fraud, because I received a letter in the mail requesting more information. It had application number on it and it stated that they needed more information like my SS # to issue my new card. XXXX XXXX team wanted my SS # as well as my DOB. I would not give them anything over the phone. 
I spoke to a Transunion representative and she stated to file with CFPB, and send them a copy of the report when I receive it.

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 2025-07-01 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SOUTHSTATE BANK CORPORATION
State: SC

Complaint narrative:
On XX/XX/2025, I had a balance of {$2.00} in my South State Bank account. 

Without any debit or triggering transaction, the bank charged a {$72.00} overdraft fee on XX/XX/2025, which dropped my account to - {$69.00}. This fee was not tied to any pending transaction it was unprompted and unjustified. 

Only after South State placed my account in the negative did XXXX XXXX attempt two charges : one for {$15.00} and another for {$25.00}, totaling {$40.00}. These charges were subsequent to the overdraft fee and would not have overdrawn my account if the {$72.00} fee hadnt occurred first. 

This fee is not the result of an overdraft it caused one. I was charged for being overdrawn after the bank itself forced my account negative.

I have overdraft protection, and yet the bank applied this {$72.00} fee anyway. I contacted South State Bank five times, and each time the chat session was ended abruptly. On the fifth attempt, an agent admitted I had overdraft protection but claimed they could only waive one {$36.00} fee as a courtesy. But there was no qualifying transaction no debit caused the overdraft. The banks fee created the overdraft from nothing. 

This is a predatory, circular fee scheme that penalizes account holders without cause, while bypassing their own overdraft protection policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: AR

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

1681c-2 ) that you, the Equifax Information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Trying to get a credit check done and it says its FROZEN on Experian. It isn't. I am online looking at it. So I called and I CAN NOT get passed the XXXX chatbot to get any kind of help!!! There is so many things wrong and have been wrong! 
They have caused so many problems for me due to their errors! I don't even know what to do anymore! Experian still shows the wrong address. I have never lived in AZ, EVER!!!! They still show balances with - when they should be {$0.00} because i have paid them off! And this is only the beginning!!! I have not heard back on several account verifications that i have requested since XXXX with all three credit bureaus! Then my daughter started digging into other credit reports and the ERRORS ARE UNBELIEVABLE!!! She has decided to try and get a job with ya 'll to help people out! I froze my experian report, like an XXXX, knowing full well that was NOT going to be a simple task! And here we go! All I want is to get help on my life expenses and I cant ' get ANYWHERE due to these XXXX credit report bureaus and their XXXX! Sorry, but I am old and VERY FRUSTRATED!!!! I GUESS MY NEXT STEP IS TO SUE ALL THREE? I mean they can't go back and fix all the rejections and problems they have caused because of their stupidity??? Please help me! Who can I contact to go over ALL this with??? I've got a case hanging over my head! I don't know what to do! 
Thank you, 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 2025-07-01 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: NC

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On the evening of XX/XX/year>, at approximately XXXX XXXX, I logged into my Bank of America mobile app and discovered an unauthorized transfer of {$3500.00}. The recipient is unknown to me, and I do not recognize the associated email address. 

Notably, I did not receive any SMS or email verification codes from Bank of America on that day. Despite this, I received a notification indicating the transfer had already been completed. I was at work the entire day on XX/XX/XXXX and had no involvement with this transaction. 

I contacted Bank of America on XX/XX/XXXX itself to report the unauthorized activity and filed a fraud claim. In XXXX, I received a notification that the bank had denied my claim, stating that the transaction had been approved by me. Throughout this period, the bank delayed providing me with a copy of the investigation report, and instead encouraged me to initiate a second investigation, which I did. 

I followed up with numerous phone calls over the following weeks. It was only after the second investigation was also denied that I finally received the investigation report. Upon reviewing it, I found clear inconsistencies, including IP login locations that did not match my physical location. For example, there were multiple logins from Texas and Louisiana on XX/XX/XXXX, just prior to the transaction. It is logistically impossible for me to have traveled between those states within such a short period of time, and I was not in either location on that day. 

Despite these discrepancies, Bank of America has continued to claim that the {$3500.00} transfer was an authorized and voluntary action from my account. Based on the facts and evidence, I strongly believe this was a case of identity theft and unauthorized access, not a voluntary transaction. My financial and personal information were clearly compromised, resulting in a significant financial loss.

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 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I contacted Wells Fargo to report fraud and request help regarding my card. But instead of receiving support, I was treated with discrimination, coldness, and abandonment. 

On the first phone call, the representative told me I needed a physical address to receive my new card. When I explained I didnt have one at the moment, she refused to continue and hung up the phone without giving me the case number. That alone was distressing and unfair I felt erased.

Then I went in person to a Wells Fargo branch. I asked for help in XXXX. The first man continued speaking XXXX to me even though I clearly requested XXXX  support. Only when he noticed my seriousness and the presence of my inner strength did he switch to XXXX. That moment revealed that he had the ability, but just chose not to use it. That is discrimination. 

Then I was transferred to customer service inside the branch. Another employee, this time a woman, gave me the coldest response yet. When I asked if I could pick up the card at a different branch, she said do whatever you want, dismissing me completely, as if my situation didnt matter. Her tone was disrespectful and condescending. She essentially said Wells Fargo would not help, even if I filed a complaint. 

After all this, I tried to use my checkbook to buy a computer because the cards were blocked. I had money in the account, but Wells Fargo rejected the check, making me feel humiliated again. I was left without access to my own funds. 

I decided I no longer trust Wells Fargo with my money. Thats why I want to close the account. But beyond that, I want this complaint to reflect what truly matters : I was treated without dignity. I was denied proper language support. I was dismissed because I didnt have a stable address. And I was left feeling invisible. 

This is not about money. Its about basic human respect.

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