vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
These inquiries seem to be permitted, and I don't recognize them. I respectfully ask that this matter be resolved as soon as possible. More information can be found in the documents that are attached.

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 2025-05-22 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: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking to verify as accurate XXXX XXXX XXXX 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 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received an e-mail in my Spam folder obviously a spoof of Bank of America. The recipients ' e-mail addresses are all with a Juno.com e-mail account. There has recently been phishing of currency in my Bank of America account. There also has been indeterminate activity with my XXXX account, of which the cash account of the individual investment account is most frequently accessed by me via Bank of America ATMs and transfers There is obviously other information attached to the e-mail, and I am Completely inable to forward the e-mail to Spam-Forward Report-accepting entities, governmental and NGO/NPO ( non-governmental/nonprofit organizations ). 
I have had numerous casualties, both physical and financial, concurrent to any and all processing of the " 'Death Benefits ' Inherited IRA '' account I have held with XXXX XXXX, and also estate issues in conjuction with rabid denial of any and all income-producing endeavours, including and not limited to business proposal via e-mail, OfferUp, Care.com and further, in addition to gross/obvious tampering from the Spam-producing entities. Furthermore, many of the informations relay that the problem may be of locus to the time-frame of XXXX ( XXXX ). I have much reason to believe that identity fraud is involved. 
In the past three ( 3 ) weeks, I had made a complaint/report of {$2.00} disappeared from my Bank of America account . I am incertain to which entity I definitively made the report ( XXXX ) ( XXXX XXXX Police, CFPB, XXXX, XXXX, XXXX, etc ). 
I have been trying to be more diligent about report making with suspect activity since I have access via personal device and not reliance upon public library systems for conducting such activity. 

The following is a hand- copy+paste of the information contained within the e-mail. : Re : [ Summary New Report ] [ Bank 0f America ] Your Account Has Been Suspension Account Quickly Verify Your Online Banking # Case-ID [ ] [ XXXX XXXXXX/XX/year> XXXX PM ] Support Notice XXXX Show less To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attachment View Or Download Your PDF Case ID ( XXXX ) [ Thu, XX/XX/year> XXXX PM ] Attachments can not be downloaded.Learn more App STATEMENNS- ( XXXX ) .pdf 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 2025-05-22 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: TN

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 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 2025-05-22 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: WI

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 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 2025-05-22 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I applied for what XXXX marketed as an XXXX XXXX XXXX  Card through their website. It was presented as a secured XXXX  card implying that it functioned like a traditional ViXXXX  and would be usable broadly. I submitted a {$200.00} deposit. 

Only after my funds were processed and sent to Synchrony Bank did I discover that the card is not a true secured XXXX card. It is a closed-loop XXXX store XXXX and can not be used outside of XXXX. This misrepresentation was never clearly disclosed during the application process. 

When I tried to escalate this through XXXX customer service ( on XX/XX/2122), I was repeatedly denied access to escalation channels, refused a case ID, and redirected to unrelated topics like shipping disputes. Multiple agents refused to acknowledge the nature of my complaint. When I demanded proper escalation, XXXX agents : Repeatedly asked me to misrepresent the issue as an unauthorized charge Refused to disclose which department the case was allegedly escalated to Refused to provide email confirmation Closed the chat without my consent while I was actively communicating This pattern of behavior appears designed to obstruct financial complaints and prevent accountability regarding a misrepresented product. I am submitting the full chat log separately.

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 2025-05-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: OH

Complaint narrative:
I applied for a online loan on XX/XX/year> in the amount of {$500.00} from explorecredit.com I receive a phone call saying that I was " approved ''. The details were sent to my email address for my review. I reviewed it while on the phone with the agent. The finance charge was 732.38 %, roughly {$4000.00} to borrow {$500.00}. The agent said he could reduce it by 200 % to 532.38 %, roughly {$3000.00} to borrow {$500.00}. The schedule payments would be {$110.00} for XXXX  months. Or, I could pay the principal of {$500.00} back plus {$110.00} finance charge and the loan would be satisfied. I signed the papers. Then, they said they needed to verify bank statements and debit card. I put in my deXXXX  card and uploaded the last XXXX  months of my bank statements. I called back to let them know it was done. They saw the bank statements and said a decision would be made in XXXX to XXXX business days. I called back today XX/XX/year> and canceled the loan. I am complaining because of the OUTRAGEOUS finance charges acessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/year>, I submitted a formal identity theft block request to TransUnion under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). My submission included : An FTC Identity Theft Report A copy of my government-issued ID A lease agreement for proof of residency Under the law, TransUnion was required to block and permanently delete the listed fraudulent information within XXXX ( XXXX ) calendar days of receipt no later than XX/XX/year>. 

I followed up with a final written notice on XX/XX/year>, yet as of XX/XX/year>, the following fraudulent items are still reporting : Fraudulent Charge-Offs : 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 This ongoing failure to block fraudulent information is a clear violation of FCRA 605B. It has caused me material harm including credit denials, reputational damage, and emotional distress. 

I am now preparing to file a verified civil complaint in the XXXX XXXX XXXX of the State of Delaware, and/or U.S. District Court XXXX and to escalate this matter further by notifying the Office of the Attorney General and the IRS via Forms 3949-A and 211.

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 2025-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
On XXXX XXXX, 2025, I received a refund check from XXXX XXXX XXXX XXXX in the amount of $ XXXX. To double confirm if the check was supposed to be sent out to me and not in error, I reached out to XXXX XXXX XXXX and both their representative and higher-level management CONFIRMED that the check was owed to me and that I would be able to cash it with no issues. Fast forward to now, I receive a text message at the beginning of XXXX from a debt collector saying that the amount of the check that was sent to me from XXXX XXXX. 

Immediately, I reached out to XXXX XXXX and explained that I had gotten the approval to cash the check. Their internal management conducted an investigation and stated to me that I received the check in error, and even though I was given the green light to cash the check, I would still need to pay them the amount back because the debt has already been sold off. 

Now, this has impacted my XXXX XXXX, and I'm looking to take legal action. XXXX XXXX XXXX owned up to the mistake but didn't correct it either. As a long-time auto insurance customer, I am highly disappointed, especially in these trying times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally request the reinstatement of certain accounts that were removed or marked as disputed in error on my credit report. These disputes were either submitted mistakenly or without my full understanding of the consequences, and I would like the records accurately reflected as they originally appeared prior to the dispute I am not disputing the validity of these accounts. I simply request that they be restored to their prior reporting status to ensure the accuracy and completeness of my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: PA

Complaint narrative:
I am writing to formally request the reinstatement of certain accounts that were removed or marked as disputed in error on my credit report. These disputes were either submitted mistakenly or without my full understanding of the consequences, and I would like the records accurately reflected as they originally appeared prior to the dispute I am not disputing the validity of these accounts. I simply request that they be restored to their prior reporting status to ensure the accuracy and completeness of 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 explanation
Consumer complaint received 2025-05-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The bureaus have informed me that they received my information and dispute letter, but refused to investigate further, claiming I used a credit repair company. Ive been repeatedly dismissed by the bureaus for months, and its becoming extremely frustrating.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My Capital One XXXX card was closed for fraud-like activity because their autopay system bounced payments, due to me paying before ( earlier ) than the posted date of the auto payment. I made every payment on time and in full. This has hurt my XXXX XXXX despite having excellent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: SC

Complaint narrative:
My credit report was negatively impacted due to unauthorized accounts from a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand blocking and removal within 4 days : 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 SC XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$280.00} Inquiries 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 non-monetary relief
Consumer complaint received 2025-05-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am sending this complaint to EQUIFAX regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 
I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: AR

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These reports have been XXXX  to my life and credit XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: MO

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 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 2025-05-22 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: 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A 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 16816-2 ( A ) ( a ) 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.

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2025 XXXX XXXX XXXX XXXX XXXX XXXX 2025 XXXX XXXX XXXX XXXX XXXX 2025 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: 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 2025-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I applied for a credit card with Capital One because it would be APR-free for 12 months. I received promotional mail & applied online, where the website also told me I was approved for 12 months of free APR. Only AFTER I accepted the card ( with a large limit of {$4000.00} ), I could not find any details about the free APR on the account. The first time I called ( XX/XX/XXXX ), I was told I would have to activate the card for them to help me with the free APR. Once I received the physical card ( I still haven't activated it ), I called Capital One Customer support again on XXXX/2025 & was told I was " Initially approved '' but then " not approved '' & could not get a straight answer on why the website was so misleading. I would have NEVER applied for this card if not for the 12 months free apr. This is predatory.

Company response to consumer: Closed with explanation