vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am unable to reach a live agent at Experian. I have tried every phone number located, and I'm continually rerouted, then hung up on. I have had issues with identity theft, unable to log in to site, it says it's sending a code to my phone, no code arrives. I need to speak to an agent to get things corrected then place a freeze. Extremely frustrated, have been trying for a week or more. Their customer service is horrible.

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 2025-12-22 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: WA

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! 


INQUIRIES : XXXX XXXX XXXX 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 2025-12-22 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: FL

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: Credit Fresh Holdings Inc
State: WV

Complaint narrative:
I took a personal loan of XXXX from www.creditfresh.com ( XXXX XXXX ) XXXX XXXX  in XX/XX/year>. It was explained to me by phone that payments of XXXX were to be made biweekly. Then the woman that I was speaking with read a disclosure very fast in which I couldn't half understand what she was saying ( I do believe the phone call was recorded. ) And then I had to e-sign documents. The XXXX deposit was then places into my XXXX XXXX XXXX checking account. As I went on making these XXXX biweekly payments and, reviewing my statements each payment I noticed that of the XXXX I pay bi-weekly only XXXX of it goes towards the principle balance. When I spoke to someone to ask what would happen if I wanted to pay the loan back in full, they told me I'd have to pay XXXX. They automatically withdraw payments from my bank without my authorization every two weeks which now has my bank account overdrawn over XXXX and I'm behind on my loan payment on top of it. The loans are preditory, they have an extremely high interest rate and is almost impossible to pay back in installments as interest continues to grow. Many warning they should give you and don't when you apply. This company preys on people with low and no credit who are in moments of desperation. This company has destroyed my bank account, my trust for taking loans ever again and, now my credit score that wasn't the best in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-12-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: SAN DIEGO COUNTY CREDIT UNION
State: NM

Complaint narrative:
COMPLAINT AGAINST : San Diego County Credit Union ( XXXX ) RE : Estate of XXXX XXXX As the Executor of the Estate of XXXX XXXX, I am reporting the illegal conversion of {$190000.00} and systemic bad-faith obstruction by San Diego County Credit Union ( XXXX ). 
I possess the original, physical receipt ( attached ) for a {$190000.00} deposit made on XX/XX/XXXX. For 3.5 years, XXXX illegally denied XXXX XXXX access to these funds and her account statements. This illegal withholding of {$190000.00} had a dire impact on her health and quality of medical care, directly contributing to her decline and eventual passing on XX/XX/XXXX. 
I have audio recordings of XXXX staff providing contradictory, false narratives to explain the missing funds : 1. Recording 1 : XXXX claims the account was closed due to " prolonged non-use. '' I have evidence of a {$500.00} transfer ( attached ) proving the account was active during that period.

2. Recording 2 : XXXX changed their story, claiming the account was " spent down over time, '' yet they refuse to provide a ledger to prove any transactions beyond the {$500.00} transfer. 
I provided XXXX with legal proof of my status as Executor and a formal written demand for records, informing them that their obstruction prevents the Estate from satisfying tax debts owed to the IRS and the California Franchise Tax Board ( FTB ). XXXX refused to respond in writing, leaving a voicemail requesting a " verbal discussion '' to avoid a paper trail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
i sent letters to TransUnion and EQUIFAX and EXPERIAN all this company 's 1 : XXXX account no : XXXX DATA REPORTED XX/XX/XXXX 2 : XXXX  account no:XXXX DATA REPORTED XX/XX/XXXX 3 : XXXX XXXX account no :XXXX DATA REPORTED XX/XX/XXXX 4 : XXXX XXXX XXXX account no :XXXX 5 : XXXX XXXX XXXX : DATA REPORTED : XXXX XXXX 6 : XXXX XXXX  / XXXX  : account no XXXX 7 : XXXX XXXX XXXX XXXX XXXX account no : XXXX 8 : UNAUTHORIZED BANRUPTCY ENTRY XXXX XXXX 9 : XXXX XXXX : account no : 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 2025-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-12-22 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: MD

Complaint narrative:
To Whom It May Concern : No third-party company is involved so please dont respond with a stall letter or a generic reply.

This dispute is coming from me, the actual consumer, and it needs to be handled seriously and according to the law.

I am writing to demand the immediate deletion of fraudulent accounts and inquiries that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts and inquiries is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Legal Framework Violated : 15 USC 1681b ( c ) Furnishing Reports Without Consumer Authorization As per the statute, consumer reporting agencies are prohibited from furnishing records of inquiries connected to credit or insurance transactions that I, the consumer, did not initiate. The following inquiries must be removed from my report without delay : 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of two years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing.

15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within four business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies.

Fraudulent Accounts : XXXX. XXXX XX/XX/year> XXXX. XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account Number : 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 2025-12-22 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: MD

Complaint narrative:
This complaint concerns Equifax Information Services LLCs repeated failure to conduct reasonable reinvestigations, reconcile conflicting credit data, and comply with its statutory duty to maintain maximum possible accuracy. 
Since XX/XX/XXXX, I have submitted nineteen ( 19 ) disputes, including multiple CFPB complaints and an FTC Identity Theft Affidavit. 
On XX/XX/XXXX, Equifax removed a disputed tradeline following a CFPB complaint, implicitly acknowledging that the information was inaccurate or unverifiable. 
Despite this acknowledgment, Equifax has continued to report other tradelines exhibiting the same categories of inaccuracies, including conflicting dates, inconsistent payment histories, and contradictory account statuses across consumer reporting agencies. 
Equifax has received : Multiple direct disputes XXXX CFPB complaints A valid FTC Identity Theft Affidavit A Cease & Desist notice dated XX/XX/XXXX Nevertheless, Equifax has failed to explain : How conflicting data between bureaus was reconciled What documentation was reviewed during reinvestigation Why some accounts were removed while others with identical defects were verified This pattern demonstrates reliance on automated responses rather than meaningful investigation.

Equifaxs conduct violates : 15 U.S.C. 1681e ( b ) failure to maintain maximum possible accuracy 15 U.S.C. 1681i ( a ) failure to reasonably reinvestigate disputes 15 U.S.C. 1681c-2 ( 605B ) failure to block unverifiable or fraudulent information 15 U.S.C. 1681s-2 ( b ) continued reporting of unreliable data The continued failures of this consumer reporting agency to uphold their singular duty demonstrate systemic noncompliance warranting regulatory intervention. I have made extensive good-faith efforts to resolve these matters repeatedly for two plus years and dozens of disputes, it is outrageous that this matter has not been corrected, I have spent several hundred dollars in printing and mailing extensive reports, only for them to completely disregard clear evidence and respond with a systemically generated response completely ignoring all of my concerns. This is causing severe harm to my reputation and continued emotional and financial distress. I have attached the letters I sent since filing the FTC affidavit ( Report XXXX ) on XX/XX/XXXX, also I have attached their systemically generated response letters and my credit reports from XX/XX/XXXX to now. Note how drastically different these reports have been in just a three month period, it is honestly embarrassing to call it an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: NJ

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-12-22 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$580.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$7100.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2025-12-22 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:
I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: NJ

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-12-22 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: OneMain Finance Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All these above on XX/XX/XXXX hard inquired that were not inquired by my approval. 


ONEMAIN- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am not looking for an auto loan or any type of loan I need these off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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 2025-12-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: GA

Complaint narrative:
Nobody never called me are said anything XXXX thing about my voice mail was open that's how I knew they didn't contact me I was told to send in proof of my incarated release form and I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XX/XX/year> received results from transition stating investigation completed. And that information was accurate. It's not accurate because it still shows {$300.00} credit limit and that account is closed. It's also still showing on XXXX that I've used 9 % on my {$300.00} credit limit??? I attempted to upload photos of this but received message that I don't have privilege. As of this date I'll continue to file disputes and complaints as well as email the ceoas I've done before. UNACCEPTABLE CUSTOMER SERVICE NO ONE CAN TELL ME NOR RESOLVE HOW I CAN HAVE A {$300.00} CREDIT CARD LIMIT ON A CLOSED ACCOUNT NOTE * * TELEPHONE NUMBER IS INCORRECT. WOULD NOT ALLOW IT TO BE CHANGED * * * * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi Bank repeatedly called me over and over again every single day for weeks. Some days there were 3-4 calls in a single day, including text message communication right after phone calls. They always call when Im working in my healthcare job where I am patient facing and cant answer the phone. 

XXXX ( XXXX ) XXXX XX/XX/year> - XXXX, XXXX, XXXX, XXXX unable to answer due to work. 
XX/XX/year> - XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XX/XX/year> - XXXX, XXXX, XXXX Payment for debt made IN FULL with extra XX/XX/year>. Additional payment made in XXXX. 

Answered call on XXXX, and they still called me everyday after.

I have an extensive call log for months of daily calls 3-4 times a day. Even if I tell them I cant make a payment, they continue to call daily.

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 2025-12-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation