vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: SC

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
My indigo credit card company put a hold on my account in XXXX. They sent me a letter requesting for me to send in via mail or fax a copy of my license to prove it is me. I called the company when I received the letter to verify it was a legitimate letter and not a scam. I faxed my license and then received another letter in XXXX requesting the same so I then faxed my license again and mailed a copy into the company as well. 

On XX/XX/25 I called indigo to insure my card would work and there is no longer a hold on my account. I was told by the worker there is not a block on my account anymore and that I could use the card that is in my possession while on my trip ending in XXXX. 


On XX/XX/25 I attempted to use my card at XXXX XXXX in XXXX Florida for {$85.00} it was declined. I called indigo to determine why my card was being declined and apparently they canceled my card ending in XXXX without my permission or notifying me and re-issued me a new card. Their choice to re-issue me a new card is against my permission and I was never notified. 

I have now been on hold with the company for 1.5 hours the first time, spoke to 4 different supervisors with no resolution then they hung up on me so I called again and now have been called n hold for 36 minutes and counting.

Indigo has no record of me reporting my card ending is XXXX lost or stolen as well as they have no record via mail or call notifying me that they issued me a new card. I am now in Florida on vacation only with my indigo card that I was told by their customer service XX/XX/25 that my card ending in XXXX would work. 

I have no way of getting the new card prior to my return, nor does indigo allow me to put my card on XXXX XXXX. I will now have to if even possible overdraft my personal bank account to pay for anything if even possible because I only brought my indigo card on vacation because I was told I could without issue. 


I will be incurring overdraft fees and damages due to this as well as not able to eat or do anything on my vacation as well as wasting 2+ hours of my time. I can not cancel my account with Indigo because it will hurt my credit closing an account and I simply just want my card ending in XXXX to be reactivated because they wrongfully or inappropriately canceled it without permission or cause.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-01 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: RI

Complaint narrative:
I am requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under USC 1681g, I ask for their removal within the next 15 days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I was contacted by phone from XXXX and told I had an outstanding loan debt from XXXX XXXX XXXX XXXX from XXXX  in the amount of around XXXX dollars, and i now owe almost XXXX dollars to take care of this debit. I was told to contact XXXX to get further details. The second number had my wrong last name, and vary outdated employment info, along with my accurate address, phone, and social security number. I had no account or debts with XXXX XXXX XXXX XXXX during the date range given for this debt. I was then told I could pay this debt today or go to court. After checking the 3 major credit companys, I show no active collections on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
To Whom It May Concern, Subject : Second Dispute of Charge-Off Account Request for Reinvestigation under FCRA 1681i, 1681s-2 ( b ), and 1681e ( b ) Account Name : XXXX XXXX Account Number XXXX XXXX To Whom It May Concern, This letter is a formal second dispute concerning the charge-off account listed above. I previously submitted a dispute requesting its deletion, as the information reported was inaccurate and unverifiable. However, your response failed to provide sufficient evidence to validate the legitimacy of this account. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly : 1681i requiring a reasonable reinvestigation within 30 days, 1681s-2 ( b ) requiring the furnisher to properly investigate disputed data, and 1681e ( b ) requiring credit reporting agencies to maintain maximum accuracy, I hereby request a reinvestigation of this charge-off entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
I purchased the property in XX/XX/XXXX I were paying XXXX per month and XXXX they went up to XXXX and I ask them can I get my payment lower they no so this is XXXX they went up to XXXX because of insurance and I told them that my SSI payment is only XXXX and I said I didnt want to go into to foreclosed so they took out insurance from there company so I called all state and they have a lower policy so I took they policy so now Im still asking them can they help me get my payment loan lowered and they said no so Im trying to keep paying the mortgage I dont want to go into a foreclosure my name is XXXX XXXX XXXX XXXX is XXXXXXXX XXXX XXXX XXXX XXXXXXXX IL XXXX my phone number is XXXX ) XXXX thanks so much

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX soc #XXXX XXXX  This CFPB complaint has\nbeen filed to request pursuant to FCRA  605B (15 U.S.C.  1681c-2) that you, the TransUnion\ncredit reporting agency, 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. This fraudulent, inaccurate, and false information consists of a personal account opened\nat XXXX XXXX XXXX XXXX XXXX under the account number  , XXXX  This account have resulted in\nfraudulent collection appearing on my consumer FICO credit report. I've attached a credit report maintained by you which shows the aforementioned fraudulent\nitem. I do not recognize the aforementioned account /collection\nreported. The aforementioned account, collection appearing on \nconsumer credit report maintained by you were not opened, made, or initiated by me. All of theXXXXaforementioned account, collection are the result of identity theft and\nfraud. I have attached a copy of FTC Identity Theft Criminal ComplaintXXXXas proof from the US Federal Trade Commission that all of the aforementioned consumer credit\naccounts, collections, are the result of identity theft and 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 2025-05-01 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing to express my deep frustration and disappointment with how my recent overdraft fee situation was handled. I have been a loyal customer of Wells Fargo since the XXXX days and I expected a higher standard of care and consideration from a bank I trusted for so long. 
Between XXXX and XXXX of this year, I was charged a total of {$360.00} in overdraft fees, starting with a single {$2.00} auto-payment. The charges continued to snowball and on one day in XXXX, I was hit with XXXX separate {$35.00} overdraft fees. This series of fees placed a significant and unnecessary burden on me, setting me back the following months. 
I took all the appropriate steps to resolve this issue. I visited a local branch, called customer service, their hands were tied. I was told it was at the discretion of the bank- so I asked them to exercise that discretion in this case, especially considering my long-standing relationship with Wells Fargo .

Unfortunately, that appeal was ignored. 
Now Ive recently received a reasonable settlement from a car accident and my initial intention was to deposit those funds with Wells Fargo. However, due to this experience, I have decided not to do so. I will be closing my account and taking my business elsewhere. I also feel it is important to share my experience with others, so the community is aware that Wells Fargo does not stand by or support their loyal customers when it truly matters. 
This situation has been deeply disappointing and I hope this feedback is taken seriously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
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 2025-05-01 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: NJ

Complaint narrative:
I just checked my credit report and saw inquiries I dont recognize. Im really worried because I believe Ive been a victim of fraud. This has been so stressful, and its making it impossible for me to get the credit I desperately need. 
Please, Im asking for your help in removing these fraudulent inquiries. This situation has been overwhelming, and I dont know what else to do. Id truly appreciate any assistance you can provideXXXX 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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because a credit bureau is reporting an account on my credit file without my informed consent, which I consider a direct violation of the Fair Credit Reporting Act ( FCRA ) 1681b. 

Although it is possible that I signed a document at the time the account was opened, I was never notified nor clearly informed that this account would be reported to credit reporting agencies. I did not receive any disclosure or written explanation about how my non-public personal information would be used. 

According to FCRA 1681b, a valid legal purpose and proper authorization are required to report any information to a credit reporting agency. The lack of informed consent makes this reporting unauthorized and a violation of my financial privacy.

I submitted a formal dispute to the credit bureau requesting evidence that I gave informed consent. I also cited FCRA 1681i, which states that they must verify or delete any information they can not confirm within 30 days. To date, I have not received any documentation proving that I authorized this reporting, nor has the account been removed from my credit 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 non-monetary relief
Consumer complaint received 2025-05-01 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: TN

Complaint narrative:
I noticed several discrepancies with my personal information that need to be corrected and the invalid information removed. 

Please update all of the following information. 
My current address ( since XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX My only name : XXXX XXXX XXXX, previous last name XXXX ( changed XXXX ) My only correct date of birth : XX/XX/XXXX No current employer : XXXX XXXX I do not wish to have any telephone numbers on my report. 
Please remove all other addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: CA

Complaint narrative:
Ive been a victim of identity theft since 2020 someone has been trying to get payday loans, online installation loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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:
Ive been a victim of identity theft since 2020 someone has been trying to get payday loans, online installation loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
I am filing this complaint because a credit bureau is reporting an account on my credit file without my informed consent, which I consider a direct violation of the Fair Credit Reporting Act ( FCRA ) 1681b. 
Although it is possible that I signed a document at the time the account was opened, I was never notified nor clearly informed that this account would be reported to credit reporting agencies. I did not receive any disclosure or written explanation about how my non-public personal information would be used. 

According t

o FCRA 1681b, a valid legal purpose and proper authorization are required to report any information to a credit reporting agency. The lack of informed consent makes this reporting unauthorized and a violation of my financial privacy. I submitted a formal dispute to the credit bureau requesting evidence that I gave informed consent. I also cited FCRA 1681i, which states tha
t they must verify or delete any information they can not confirm within 30 days.

To date, I have not received any documentation proving that I authorized this reporting, nor has the account been removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: CL Holdings LLC
State: PR

Complaint narrative:
XXXX XXXX XXXX IT APPEARS IN MY CREDIT REPORT THIS ACCOUNT WITH A BALANCE OF {$650.00} IN CHARGED OFF THAT DOES NOT BELONG TO ME. YOU WERE ASKED TO SEND ACCOUNT INFORMATION AND I STILL HAVEN'T RECEIVED ANYTHING. 

XXXX XXXX- IT APPEARS IN MY CREDIT REPORT THIS ACCOUNT WITH A BALANCE OF {$1200.00} IN COLLECTION THAT DOES NOT BELONG TO ME. YOU WERE ASKED TO SEND ACCOUNT INFORMATION AND I STILL HAVEN'T RECEIVED ANYTHING. 

XXXX XXXX XXXX- IT APPEARS IN MY CREDIT REPORT THIS ACCOUNT WITH A BALANCE OF {$1600.00} IN COLLECTION THAT DOES NOT BELONG TO ME. YOU WERE ASKED TO SEND ACCOUNT INFORMATION AND I STILL HAVEN'T RECEIVED ANYTHING. 

XXXX XXXX XXXX - IT APPEARS IN MY CREDIT REPORT THIS ACCOUNT WITH A BALANCE OF {$1500.00} IN COLLECTION THAT DOES NOT BELONG TO ME. YOU WERE ASKED TO SEND ACCOUNT INFORMATION AND I STILL HAVEN'T RECEIVED ANYTHING. 

XXXX XXXX  - THIS ACCOUNT APPEARS IN MY CREDIT REPORT WITH A BALANCE OF {$390.00} IN CHARGED OFF THAT DOES NOT BELONG TO ME. YOU WERE ASKED TO SEND ACCOUNT INFORMATION AND I STILL HAVEN'T RECEIVED ANYTHING. 

THESE ACCOUNTS HAVE BEEN DISPUTED WITH THE DIFFERENT CREDIT AGENCIES MAKING MY SITUATION KNOWN AND I HAVE NOT BEEN ABLE TO RESOLVE ANYTHING. I REQUESTED INFORMATION TO SUPPORT THESE ACCOUNTS AND I DIDN'T RECEIVE ANYTHING EITHER. IN ADDITION, I HAVE A NUMBER OF INQUIRIES THAT HAVE BEEN REFLECTED IN MY CREDIT THAT DO NOT BELONG TO ME AND THE AGENCIES WERE INFORMED AND LETTERS WERE SENT BUT I DID NOT RECEIVE A RESPONSE.

Company response to consumer: Closed with explanation