vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Four hard inquiries appeared on my credit report. At least 3 accounts were created in my name fraudulently. The inquiries came through on XX/XX/year>. To my knowledge nothing has been charged but I have at least three new accounts and some have been denied because of to many attempts to establish accounts. I live in XXXX  but the mailing address attached to these accounts is in XXXX XXXX, Delaware. I have never lived in Delaware and are not aware of any friends or relatives in the area.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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:
The listed accounts are fraudulent and were opened without my authorization. I am requesting their prompt deletion under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681g. I have attached documents to support my dispute and expect these accounts to be removed within 15 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 2025-06-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 TN XXXX ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$7000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. 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 non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/XXXX I reserved a rental vehicle and was told I could cancel the reservation with refund since I purchased additional insurance. I went to request the refund days in advance of the scheduled pickup and the unethical merchant ( XXXX ) said I could not. I filed a chargeback with Paypal who sided with them. I lost {$100.00} on the transaction. I now want to close my Paypal account and got a message stating I could not. I want them to delete my bank account info and close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
Equifax XXXX. XXXX, XXXX XXXX, GA, XXXX XX/XX/XXXX Re : Warning to Remove Incorrect Items from my Credit Report To Whom It May Concern : I recently sent you a request to reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit. For your reference please see the attached high lighted screen shot of confirmation # XXXX. I am also attaching the following verifiable proof and also highlighting proving I was never late. And the inconsistencies. 
Copy of the investigation reports from your company. High lighted with the errors. 
Copy of XXXX XXXXXXXX account number ( * XXXX ) statement from XX/XX/XXXX XXXX Copy of XXXX XXXXXXXX account number ( * XXXX ) statement from XXXX XXXX of my drivers license Copy of my social security card Copy of this letter As can be viewed on your response from my previous disputes confirmation number # XXXX. See attachment. Your company is reporting I had a ( 30 day ) late payment reporting on XX/XX/XXXX. I am submitting proof with account number * XXXX statements from the dates ( XXXX ). I have also attached and highlighted the statements proving I indeed was not late and I did not have a past due balance. This account needs to show and report as never late and always on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: TN

Complaint narrative:
Im contacting you because Ive found wrong and damaging information on my credit report, and Im not going to let it slide. This matter is urgent, and I expect it to be taken seriously and handled without delay. 

Specifically, there is an entry on my report that is completely inaccurate and does not belong to me. Whether it was the result of clerical error, misreporting, or worseunauthorized or fraudulent use of my identitywhat matters now is that its false, and it needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am filing this complaint because Equifax is reporting a bankruptcy that is inaccurate and unverifiable. I submitted two disputes, including identity verification and a XXXX letter confirming the bankruptcy is unverifiable and has been deleted from their system.

Despite that, Equifax closed both disputes one after asking for verification without reviewing my documentation. This violates FCRA 611 ( a ) ( 2 ) ( A ) and 607 ( b ). I also contacted Equifax by phone, and the representative admitted that there were no open disputes and could not explain why it was closed. He offered no resolution except to start another dispute, despite my documentation and open CFPB case. 

I have saved screenshots, certified mail receipts, and a recorded call that confirms XXXX refusal to correct this false reporting. 

This is willful noncompliance under FCRA 1681n, and I am preparing to take legal action for actual and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I was promised that if I had a direct deposit of {$250.00} or more they would waive the monthly maintenance fee, I work XXXX and when my deposit of {$400.00} came in I was charged a fee a few days later. After spending over an hour on hold to get a representative they told me that due to the cycle I would not be charged next month and the fee was because I didnt have a qualifying deposit before and that next month I was PROMISED there would be no fee. I still got one anyways even though I had a qualifying direct deposit, and these XXXX now told me that XXXX wasnt a real job and thats why my deposit didnt qualify after previously promising me that it would be waived. So Im just supposed to eat a bank fee every month? When I threatened to close my Bank of America account the supervisor could not care less and was even confrontational that I suggested that my job was indeed real and the deposits are not some birthday money or whatever but they refused to waive the fees with their classist attitude. I have never had this aggressive of a problem before. I can not beat this fee because Bank of America does not consider my job to be real, and they promised me there would be no fees.

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 monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: VALLEY NATIONAL BANCORP
State: FL

Complaint narrative:
I am writing to formally file a complaint against Valley National Bank regarding an ongoing failure to provide timely monthly bank statements, as well as a broader pattern of deteriorating customer service. 
Our business has maintained multiple deposit accounts and property loans with Valley for several years. However, over time, the quality of customer service and responsiveness has sharply declined. One major unresolved issue is our inability to consistently receive monthly paper statementsa basic service that is critical to managing our finances and staying compliant with internal and external reporting requirements. 
Despite repeated and well-documented requests made over the course of more than a year, the bank has failed to correct the issue. Here are just a few examples : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  statements were missing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX statements were not received. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Followed up with 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 
These repeated failuresdespite detailed requests, clear documentation, and escalationrepresent a violation of a clients reasonable right to access financial records. The burden should not be on the client to chase down basic documentation month after month. 
I am requesting that the FDIC review Valley National Banks conduct and determine whether it aligns with regulatory requirements for customer service, disclosure, and access to records. I further request assistance in compelling the bank to resolve this issue and ensure proper statement delivery moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-11 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: NJ

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been dXXXX 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 non-monetary relief
Consumer complaint received 2025-06-11 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: NJ

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been dXXXX 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 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XXXX of 2020 I called CitiBank to ask can deposit my Ex girlfriend at the time check in my account the person told me yes but Deposit only on the check. So I mobile deposit the check, my ex was being sneaky and kept the physical open up her account with another bank tried to deposit the same check. So it froze my account, I called citi bank to receive my money they told me wait 60 days for the check to bounce. Its been 5 years now Ive been waiting on this its hard out here bills are due I need help getting this 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
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
We experienced a house fire XX/XX/XXXX. The insurance company was provided a quote to repair home totaling {$240000.00}. The insurance company released a check totaling this amount to house inclusive of SBA ( 2 loans ) and the mortgage company. The check was circulated and released for disbursement to XXXX. XXXX release a portion ( {$11000.00} ) but retained a portion to cover the amount owed on the home ( {$120000.00} ). They actually retained {$120000.00}. The loan was sold during the rebuild ( the house has remained unoccupied and unlivable ) XX/XX/XXXX. Both XXXX and M & T were contacted and asked about the current forebearance and the transfer of the $ XXXX being held in restricted Escrow. Both banks assued us the funds would be transferred. In XX/XX/XXXX, following a second insurance claim which has not been addressed, we contact M & T Bank multiple times in an attempt to pay off the house with the remaining funds. M & T Bank agreed requiring a letter from an attorney, which we complied ( XX/XX/XXXX ). The letter went directly to XXXX XXXX ( M & T legal department on XX/XX/XXXX. ) During XXXX we/owners ( XXXX and XXXX XXXX ) determined that we would not be able to secure additional funds to repair the home and make it livable so we acquired a short sell/fire sell contract in XX/XX/XXXX. The information was provided to XXXX XXXX ( title company ) for closing XX/XX/XXXX. During this time the amount submitted to title person do not reflect the {$120000.00} held in escrow. This money as we were told by multiple XXXX associates during the previous month, has been returned to XXXX, has been removed from Loss mitigation/restricted Escrow/as been approved for covering the oustanding principle, has been returned to escrow, has been unable to be found, etc. I am at a loss and now have lost the contract to buy the home in it's as is state. 
We now have acrrued substantial penalties, a year of insurance, fees, late fees, etc. We were also told that the money has not acrrued interest but are instead, being charged interest. During the previous week we have attempted daily to resolve this issue including involving SBA supervisor XXXX XXXX of XXXX who stayed on one of the calls with my husband as he was rerouted to 7 different individuals for 3 hours. I have no more tolerance or ability.

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 2025-06-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: PREFERRED CREDIT INC
State: CA

Complaint narrative:
On XX/XX/year>2025, I entered into a loan agreement with Preferred Credit Inc. ( PCI ) to finance the purchase of a XXXX vacuum. According to the terms of the agreement, I have the right to cancel preauthorized payments at least three business days before the first payment, which is scheduled for XX/XX/year>2025. 

On XX/XX/year>2025, I called PCI to discuss canceling the loan agreement and sought clarification on how to proceed. Following this call, I sent an email on XX/XX/year>2025 as a follow-up, providing additional information I had found to support my cancellation request. In this email, I requested confirmation that the loan would be canceled and that no payments would be processed under the agreement.

PCI delayed their response and replied only on XX/XX/scrub> 2025, 11 days after my email and 13 days after my initial phone call. Their reply failed to confirm whether my cancellation request was processed or if further action was needed on my part.

This delay in communication has caused unnecessary stress and confusion, as it brought me closer to the payment date without clarity on whether my request was being honored. PCIs lack of timely action and failure to provide clear answers have left me uncertain about the status of my loan.

Company response to consumer: Closed with explanation