vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: PA

Complaint narrative:
To whom this may concern, my name is XXXX XXXX and this statement is being composed by me. Under FCR section 604F prohibits a person or company from using or obtaining a consumer report unless the consumer used the report and is obtained for a purpose for which the consumer report is authorized to be furnished under FCRA section 604. Also, FCRA 1681S-2 states : a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Lastly, per 15 USC 1681-4 consumer reporting agencies have assumed a vital role in assembling and reevaluating consumer credit and other information on consumers. There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness impartiality and respect for the consumer 's right to privacy. I am demanding the removal of the listed accounts immediately!!

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Ive been reaching out for almost a year now, they keep removing and adding collections back, even after I submitted evidence of identity theft. Ive also been told that they wont even open up reinvestigation for the items I disputed even all they told me I had to do was submit new evidence which I did with the identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MO

Complaint narrative:
b'I have a savings and checking account with this bank. In XXXX, there was a mobile online transfer made between my savings and checking account that I did not authorize. When I called in, they looked into it and told me it was fixed. Two days later it happened again. I spent another 2 1/2 hours on the phone with a supervisor who assured me that it was fixed and would not happen again. On XXXX XXXX, an online automatic transfer of XXXX was once again transferred from my savings into my checking and I did not authorize anything. I called again and spent another 2 hours on the phone with a supervisor who had me go through everything on my account and she said she escalated the problem to the IT department however refused to let me speak to anyone in IT or Fraud department so I can try to find out who is doing this and why and why this is not resolved. Again, she assured me this was fixed and would not happen again. Today, XXXX  I get up and look in my account online again. XXXX was just transferred from my  checking into my savings, just like the other three times and just like I was assured would not happen again. When I called in AGAIN i asked for a supervisor and XXXX  answered the phone, only to begin with a very lengthy useless conversation. She refused to transfer me AGAIN to anyone who could help. I am being put through the same elementary steps again, all steps I have already completed to no avail and she is refusing to help me unless I go through them again. I refuse to talk to her, she is condescending and rude and is sitting on the phone right now in dead silence because I refuse to go through these steps yet again, giver her full access to my account online through a computer cobrowser because I do not want her having access to anything of mine. I do not trust her, she is a manipulative person I want nothing to do with. She will not transfer me, she will not help me unless I go through the same steps I have already gone through less than  24 hours ago when it happened again. They are transferring money between my accounts without my authorization and they refuse to stop and I want an investigation done and consider this as a formal complaint against this bank.'

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
This is not a duplicate complaint. I am filing against Equifax for continuing to report a tradeline from XXXX XXXX XXXX XXXX XXXX XXXX XXXX in knowing violation of the Fair Credit Reporting Act ( FCRA ). Equifax falsely claimed in a letter dated XX/XX/XXXX that this account was not currently reporting and that the matter was closed this is demonstrably false. On XX/XX/XXXX, I was notified by XXXX XXXX that the same account was actively reinserted onto my Equifax credit report, with no prior notice. 

This is a textbook violation of FCRA 611 ( a ) ( 5 ) ( B ), which requires Equifax to notify me in writing within 5 business days of reinserted data. I received no such notice. Additionally : The tradeline remains falsely labeled as Open, despite being a charged-off, closed XXXX XXXX account. 
It is not marked as disputed, violating FCRA 623 ( a ) ( 3 ) even after formal, documented disputes.

The tradeline reflects inconsistent delinquency dates ( Page 4 shows XX/XX/XXXX, Page 5 shows XX/XX/XXXX ), and no payment history, balance breakdown, or ownership validation violating FCRA 623 ( a ) ( 1 ).

I have included extensive annotated documentation, which highlights Equifaxs misleading claims, legal noncompliance, and pattern of negligent behavior. These documents include : Page 1 of Equifaxs mailed response showing false status language.

Page 4, where the tradeline is mislabeled and critical data is missing.

Page 5, which reflects passive, re-aged reporting with no validation. 
A XXXX XXXX alert dated XX/XX/XXXX confirming the XXXX tradeline was updated during my open dispute. 
My XX/XX/XXXX cover letter with supporting references. 

This tradeline has already been permanently deleted by XXXX. XXXX  is under active CFPB investigation for related violations. Equifax is now the only bureau continuing to furnish this account with no legal basis, causing measurable credit damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My rights have been violated, and as a consumer, I have a fundamental right to privacy. XXXX accessed the XXXX XXXX to obtain this information without my consent, and I never authorized them to report it on my credit report. The bankruptcy court itself does not report or provide this data to consumer reporting agencies, as established under 11 U.S.C. 107 and Federal Rules of Bankruptcy Procedure 5003 and 9037. The bankruptcy court is not involved in reporting information to credit agencies, nor is it responsible for verifying or validating data in consumers ' credit reports. While XXXX claims to have verified this information, it is important to note that, as stated, the bankruptcy court neither reports nor verifies such details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I discovered multiple inaccurate, unverified accounts reporting on my credit file, some of which were recently added without proper validation. I promptly initiated disputes pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), including formal written requests for verification of each account with supporting documentation, specifically original signed consumer contracts. Despite statutory obligations, the credit reporting agency has failed to produce adequate verification or a description of the verification process employed. Additionally, I filed a police report for suspected identity theft related to these accounts. Multiple attempts to resolve these discrepancies amicably have been unsuccessful, necessitating formal complaint and potential legal remedies to enforce compliance and protect my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I opened a XXXX with Synchrony Bank on XX/XX/year> at 4.35 % interest. It stated on the website that the if interest rates go up in 15 days then I would get the best interest rate. It also stated that I had 60 days to fund the XXXX. Today the XXXX of XXXX my dashboard on their website stated the XXXX was waiting to be funded and showed an interest rate of 4.35 %. The statement for the XXXX shoed XX/XX/XXXX that I had accrued no interest and that the XXXX  was open and had an interest rate of 4.35 %. When I funded the XXXX it changed the opening date to XXXX XX/XX/year> and that the interest rate was now 4.25 %. No where before that time did the website show the lower interest rate. I called to discuss the matter and was escalated twice to upper management and was told that I had to pay a 7 day penalty. That the XXXX  rate was only guaranteed for 15 days. I told them that this was not stated on the XXXX or their website. And if the XXXX  wasn't even opened yet as this was the XXXX of XXXX that I wanted to close the XXXX. XXXX told me that this was the policy and they couldn't close the XXXX even though it wasn't even opened yet. I said that there was nothing showing the lower interest rate until after I funded the XXXX. I believe I have been misled and this was a bait and switch situation.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I'm a victim of identity fraud and have attached all my documents including my police report. Please review these documents and block the requested accounts, addresses and inquiries on file. Police have been involved in this because the fraudulent items have been too much of. problem for me and Experian and Equifax have not been cooperative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint to EXPERIAN because the above-listed companies are reporting fraudulent, unverified, and inaccurate accounts on my credit reports. I have no knowledge of or contractual relationship with any of these creditors. These accounts do not belong to me and may be the result of identity theft or erroneous data reporting. 

I have submitted formal disputes to the credit bureaus and to each individual furnisher. My dispute packets included : An FTC Identity Theft Report A copy of my government-issued photo ID Proof of current address Despite submitting the required documentation, the accounts continue to appear on my credit reports, in direct violation of the Fair Credit Reporting Act ( FCRA ) : FCRA 605B ( a ) Requires deletion of identity-theft-related accounts within 4 business days of receiving valid documentation.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must not report data they know or reasonably should know is inaccurate.

FCRA 623 ( b ) ( 1 ) Requires furnishers to conduct a reasonable investigation and correct or delete the information within 30 days.

Metro 2 Compliance These furnishers have failed to flag the accounts correctly ( XB ) during the investigation or to remove them properly using deletion code ( DA ).

These accounts are materially damaging my credit profile and violating my consumer protection rights under federal law.

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 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
My TD bank debit card was lost and stolen. I've filed a complaint and disputed some unauthorized charges with TD bank. But they reviewed it and rejected my claims. I was travelling out of the country earlier this month to XXXX. The first night I was out at a bar/club, I've spent XXXX $ on the card. But not knowing that fateful night was the same night I lost my card. I was then travelled to the countryside in the next 10 days not knowing the merchant was continuing to charge my card and drained my account all the way to the negative balance. By the time I had internet Wi-Fi and logged in, it was already too late. I called and reported, y debit card was lost but it was XXXX days later. TD representative said " I had to wait for all the transaction to post first then I could dispute ''. I was then waited 2 more days to call back to dispute. At this time, my checking was in the negative balance. I called and talked to a dispute specialist to file a claim. He advised I had to wait 5-7 biz days to see any progress or provisional credit back. But I called again 1 week later, my claim was denied. How on earth was this my fault? My card was lost and someone unauthorized charged it to the max. Where is the truth in here? where is the consumer protection for unauthorize charges on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In early XXXX, I noticed several unauthorized accounts and negative entries on my credit report that I did not open or authorize. These accounts include credit cards and financial products from XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX ), XXXX  XXXX, XXXX, XXXX XXXX, and XXXX XXXX. I did not apply for or use any of these accounts. 

After recognizing the suspicious activity, I immediately filed an Identity Theft Report through the Federal Trade Commissions XXXX website ( Reference Number : XXXX ). I also submitted dispute letters to the major credit bureaus under 15 U.S. Code 1681c-2, which requires them to block the reporting of information resulting from identity theft.

Despite taking these steps, the disputed accounts remain on my credit file, negatively affecting my credit score and financial reputation. Some of these accounts have continued to report late payments or collections, which I believe is a violation of my rights under the Fair Credit Reporting Act. 

I am requesting that the CFPB intervene to ensure that these fraudulent accounts are properly investigated and removed, and that the credit bureaus and creditors involved comply with federal law regarding identity theft and consumer protections.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
In XX/XX/year>, I received an official letter from the U.S. Department of Education stating that all federal student loans related to XXXX XXXX ( XXXX ) were to be fully discharged under a group borrower defense action. Despite this, my servicer, Aidvantage, has failed to process the discharge of all my loans. Some balances remain, and my credit report still reflects negative marks, causing my credit score to drop significantly. 

Ive submitted copies of the discharge letter and contacted both Aidvantage and Federal Student Aid. Each has redirected me to the other, with no resolution. I also filed complaints with Student Aid and the XXXX XXXX XXXX, but the issue remains unresolved. This has caused ongoing financial harm, especially as a single parent relying on a stable credit history. 

Im requesting that Aidvantage immediately discharge all remaining loans related to XXXX XXXX and update my credit report to reflect the discharge, as required by the Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
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 2025-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX dollars was sent in error and I tried to stop the transaction prior to money coming out of account. the bank did not assist in this and refuse to return the money. Ther was no warning prior to sending money.

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