vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 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: AL

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0.00} XXXX XXXX XXXXXXXX * * * * * XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Newport Intermediate Inc.
State: AZ

Complaint narrative:
I received a promotional virtual card from mobile through my payment vault. I didnt received the card but somebody gain access to it and used the funds I reached out to the company but no help, please assist me I did not make or authorize these transactions, as I didnt received the card or the email to unlock the card or get it in my mailbox.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a collection/chargeoff on my credit report by the name of XXXX XXXX XXXX that is inaccurate and needs to be removed 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 2025-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On or around XX/XX/year>, my U.S. Bank credit card was closed due to inactivity without any prior notice. I only discovered the closure through a XXXX XXXX alert. This caused an immediate XXXX drop in my credit score.

I contacted U.S. Bank promptly after discovering the issue. I was initially told the closure was system-based and could not be reversed. A supervisor then confirmed that my request for reinstatement was made within 30 days of the closure, but still denied my request, stating the account was closed by an automated system and could not be reopened. I was offered no resolution or opportunity to reverse the damage. 

I am requesting that U.S. Bank either reinstate the account or remove the closure from my credit report to mitigate the unfair harm this has caused to my credit history. I believe the lack of notice and the refusal to reinstate despite acting within the appropriate timeframe warrant formal review.

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 2025-06-15 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:
This CFPB complai

nt has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearin
g on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$10000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: AL

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

1681c-2 ) that you, the Experian credit 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-06-15 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:
sham investigations, these account need to be deleted XXXX XXXX XXXX - delete - remove from credit profile Discover - delete - fraud - not mine - remove from credit profile DEPT OF EDXXXX delete - fraud - not mine - remove from credit profile DEPT OF ED/XXXX delete - fraud - not mine - remove from credit profile

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 2025-06-15 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: TN

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. these remarks have been detrimental to my life and credit health

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 2025-06-15 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:
This is my THIRD attempt to resolve the fraudulent information on my credit report under FCRA 605B. I previously submitted a valid FTC Identity Theft Report and supporting documents confirming the fraudulent nature of these accounts and inquiries. 
You are LEGALLY REQUIRED to block these items within four business days of receipt : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: Goal Structured Solutions, LLC
State: TN

Complaint narrative:
I am continuously having issues with XXXX some creditors, and receiving a fair on-time reporting and update to my credit report. This is also related specifically to my accounts not updating my account to keep my credit score low. XXXX  is refusing to update my credit score. To explain they have not increased my score even after showing positive activities on my payment history and Creditors account. They have unfairly and intentionally tried to keep my credit score low to keep me from moving ahead in life. I reached out my creditors about these issues. The creditors have informed me on multiple contacts that they have reported these accounts on time and accurately. But this credit bureau is not updating and giving me updated and fair credit scores. But if you look at the changes and updates to my credit score from XXXX XXXX. It clearly shows that they have unfairly decreased my XXXX XXXX, but have not increased my XXXX XXXX even with positive and on time payments. I have completed disputes multiples time with the same account in XXXX and XXXX XXXX. The credit bureaus turn right around and update the account with the same info after XXXX hours on XXXX XXXX , especially XXXX XXXX  is boldly refusing to be fair when it comes to my credit report and on time and accurately update my credit report and credit score. Another example with a creditor that reported a closed/collection account : XXXX XXXX XXXX &. I thought since it was a collection account I figured that I would try to pay something on it to make positive progress. I paid a small amount in XX/XX/year> of {$2.00} to see what XXXX would do. They unfairly of course decreased my credit score by XXXX points on XX/XX/XXXX, after increasing a day before XXXX points. They refused to update my credit report/score since then even after filing multiple disputes to reflect positive actives on my credit report. This is proof of discrimination, unfairly and intentionally trying to keep my credit score low to keep me from moving ahead in life from a credit worthiness standpoint.

Failure to investigate disputes Failure to update information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: TN

Complaint narrative:
I am continuously having issues with XXXX some creditors, and receiving a fair on-time reporting and update to my credit report. This is also related specifically to my accounts not updating my account to keep my credit score low. XXXX  is refusing to update my credit score. To explain they have not increased my score even after showing positive activities on my payment history and Creditors account. They have unfairly and intentionally tried to keep my credit score low to keep me from moving ahead in life. I reached out my creditors about these issues. The creditors have informed me on multiple contacts that they have reported these accounts on time and accurately. But this credit bureau is not updating and giving me updated and fair credit scores. But if you look at the changes and updates to my credit score from Credit Karma. It clearly shows that they have unfairly decreased my credit score, but have not increased my credit score even with positive and on time payments. I have completed disputes multiples time with the same account in XXXX and XXXX XXXX. The credit bureaus turn right around and update the account with the same info after XXXX hours on Credit Karma , especially XXXX XXXX is boldly refusing to be fair when it comes to my credit report and on time and accurately update my credit report and credit score. Another example with a creditor that reported a closed/collection account : XXXX XXXX XXXX &. I thought since it was a collection account I figured that I would try to pay something on it to make positive progress. I paid a small amount in XX/XX/year> of {$2.00} to see what XXXX would do. They unfairly of course decreased my credit score by XXXX points on XX/XX/XXXX, after increasing a day before XXXX points. They refused to update my credit report/score since then even after filing multiple disputes to reflect positive actives on my credit report. This is proof of discrimination, unfairly and intentionally trying to keep my credit score low to keep me from moving ahead in life from a credit worthiness standpoint.

Failure to investigate disputes Failure to update information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I opened a secured credit card with XXXX XXXX  with a credit limit of {$300.00} and left the deposit with them as required. The account was eventually closed, but XXXXXXXX XXXX never refunded my {$300.00} security deposit, even though the account had no remaining balance. 

I tried to resolve the matter directly with XXXX XXXX but I did not receive any proper explanation or refund. Now they are reporting this account negatively to the credit bureaus, which is damaging my credit report unfairly, considering this was a secured card funded by my own deposit. 

I am requesting that XXXX XXXX  return my security deposit and correct the reporting to the credit bureaus to reflect that the account was secured and paid appropriately. 

Date of account opening : [ You can enter the date if you know it ] Date of account closure ( approximate ) : [ Enter if known ]

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 2025-06-15 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: NY

Complaint narrative:
I opened a secured credit card with XXXX XXXX  with a credit limit of {$300.00} and left the deposit with them as required. The account was eventually closed, but XXXX XXXX never refunded my {$300.00} security deposit, even though the account had no remaining balance. 

I tried to resolve the matter directly with XXXX XXXX but I did not receive any proper explanation or refund. Now they are reporting this account negatively to the credit bureaus, which is damaging my credit report unfairly, considering this was a secured card funded by my own deposit. 

I am requesting that XXXX XXXX  return my security deposit and correct the reporting to the credit bureaus to reflect that the account was secured and paid appropriately. 

Date of account opening : [ You can enter the date if you know it ] Date of account closure ( approximate ) : [ Enter if known ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I opened a secured credit card with XXXXXXXX XXXX with a credit limit of {$300.00} and left the deposit with them as required. The account was eventually closed, but XXXXXXXX XXXX never refunded my {$300.00} security deposit, even though the account had no remaining balance. 

I tried to resolve the matter directly with XXXXXXXX XXXX, but I did not receive any proper explanation or refund. Now they are reporting this account negatively to the credit bureaus, which is damaging my credit report unfairly, considering this was a secured card funded by my own deposit. 

I am requesting that XXXX XXXX  return my security deposit and correct the reporting to the credit bureaus to reflect that the account was secured and paid appropriately. 

Date of account opening : [ You can enter the date if you know it ] Date of account closure ( approximate ) : [ Enter if known ]

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 2025-06-15 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: PA

Complaint narrative:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date 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 2025-06-15 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: CA

Complaint narrative:
I went to look at a used car on XX/XX/XXXX, and was told the dealership was doing a soft pull multiple times ( at least XXXX ) - I kept asking about it to make sure, because I was not going to take out a loan until I was sure about some terms to a lease I am already in. A day later ( XX/XX/XXXX ), I got a notification from Experian that the dealership did a hard pull on my credit for no reason, and I didnt even start the financial process. I called and spoke to multiple people who told me the finance team would reach out to me about it and no one will get back to me. I feel lied to and taken advantage of. I have great credit and dont want this on my report when I didnt even take out a loan.

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 2025-06-15 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: TN

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX TN XXXX INQUIRIES : ONEMAIN Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: TN

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. these remarks have been detrimental to my life and credit health

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: CA

Complaint narrative:
I am a victim of identity theft, which has left me feeling vulnerable and distressed. Fraudulent accounts were opened in my name without my knowledge or consent, causing significant harm to my credit standing. I am determined to take the necessary steps to clear my name, protect my identity, and restore my financial well-being. I kindly request that you please remove these fraudulent accounts from my credit report, as they do not accurately reflect my financial history or responsibility. I appreciate any support and assistance in overcoming this unfortunate experience.

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 2025-06-15 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 have a collection/chargeoff on my credit report by the name of XXXX XXXX XXXX that is inaccurate and needs to be removed 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 non-monetary relief