vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 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: WA

Complaint narrative:
I use to live in a house with other people. They were not roommates as I did not know them. I only rented a room out of the house. The other people also rented rooms out of house. And there was a high turn over on most of the rooms. In XXXX of XXXX I was not home most of the month. One of the other room renters broke into my room and gained access to my personal information and opened a crefit card in my name. I also opened a new credit card in XXXX with a different company. When I got the credit card bill I assumed it was for my card that I opened as I only had the one card and the name on card wasn't the same as the name for website ( which is a lot of off brand crefit cards ) so i made a payment on card. It wasn't until later I realized that I paid on a card that someone else opened in my name fraudulently. I have spoken with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and explained the situation. I filed a police report and submitted a copy to them. But they are still demanding me pay for a crefit card that I did not open.

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 2025-06-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: NV

Complaint narrative:
XXXX XXXX emailed me that I was pre-approved for a XXXX XXXX XXXX if I apply within 14 days. 

They also advertise that if you have a smartly credit card they waive account fees on savings accounts. 

Based on this, I applied for both accounts expecting quick approvals ( i also have great credit XXXX at time, now XXXX, high income, low debt, etc ). 

I was immediately approved for the savings account but the credit card did not give a decision and several weeks later I was notified I was denied. Since then they have charged me fees every month for the account after falsely inducing me to apply. 

I tried calling them and asking them to 1 ) waive the fees and 2 ) immediately cancel the account, and I emphasized that if they refuse 1 I still want them to immediately proceed with 2 - account closure. I recorded the second half of the call but they tried to stall me by first putting me on hodl for a long time, then coming back and lying about the fees ( claiming it was {$10.00} total or 2 months worth when it was {$35.00} total or 7 months worth ). When I told them this and told them regardless of what they do I want them to close the account and also provide me their name and case ID number to pursue further remedies, they hung up on me without closing the account forcing me to repeat the loop. 

It rings heavily of the scam XXXX XXXX was running. The difficulty contacitng anyone via email or message only exacerbates.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate late payment reporting on my credit report associated with the following accounts : XXXX. XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX opened XX/XX/XXXX XXXX. XXXX account opened XX/XX/XXXX XXXX. XXXX XXXX XXXX. ComenityCB/Overstock opened XX/XX/XXXX XXXX. XXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XX/XX/XXXX I have previously disputed these late payment entries directly with the credit bureaus and the creditor. However, to date, I have not received any documentation or verification to substantiate the reporting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a proper investigation and the right to receive relevant documentation that validates any negative item reported on my credit file. 

As of this letter, the creditor has failed to provide : Any payment history ledger or billing statement supporting the alleged delinquencies Any written notice of delinquency sent to me at the time of the late payment This lack of response and documentation constitutes a failure to validate the debt accurately, and therefore I am requesting : The removal of the inaccurate late payments from my credit report A copy of any documentation your investigation relied upon if the information is not removed Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate late payment reporting on my credit report associated with the following accounts : XXXX. XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX opened XX/XX/XXXX XXXX. XXXX account opened XX/XX/XXXX XXXX. XXXX XXXX XXXX. XXXX opened XX/XX/XXXX XXXX. XXXX opened XX/XX/XXXX XXXX. XXXX New York XXXX XX/XX/XXXX I have previously disputed these late payment entries directly with the credit bureaus and the creditor. However, to date, I have not received any documentation or verification to substantiate the reporting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a proper investigation and the right to receive relevant documentation that validates any negative item reported on my credit file. 

As of this letter, the creditor has failed to provide : Any payment history ledger or billing statement supporting the alleged delinquencies Any written notice of delinquency sent to me at the time of the late payment This lack of response and documentation constitutes a failure to validate the debt accurately, and therefore I am requesting : The removal of the inaccurate late payments from my credit report A copy of any documentation your investigation relied upon if the information is not removed Thank you for your prompt attention. 

Sincerely, 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 2025-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams, Rush & Associates, LLC
State: TN

Complaint narrative:
I am filing a formal complaint against Experian and WILLIAMS RUSH & ASSOCIATES for continuing to report a collection account that is not mine. 

The account is listed on my Experian credit report as : Creditor Name : WILLIAMS RUSH & ASSOCIATES Account Number : XXXX Original Creditor : Purchasing Power Balance : {$510.00} I previously disputed this item directly with XXXX. However, they verified it without providing any supporting documentation. I have never had an account with Purchasing Power, nor have I ever received goods or services that would justify this debt.

Under Section 609 of the Fair Credit Reporting Act ( FCRA ), I requested validation, including : A signed contract showing my agreement to the debt Documentation proving legal transfer of the debt to WILLIAMS RUSH Name and contact of the person or method used to verify this account Experian has failed to provide this evidence but continues to report the account. This is damaging my credit score and impeding my financial growth. 

I am requesting the CFPB to compel Experian to either provide proper validation or permanently delete this account from my report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
Original creditor had reported this on my credit as a write off. ONE MAIN!!! XXXX XXXX is reporting this same debt. So it is being reported on my credit twice which is affecting my credit score. Both parties need to remove off credit because this was fraudulent taking out by a deceased family member whom was living with me at the time. Was not aware of debt until unexpected passing of family member. She was paying the debt prior to her death. Knew nothing about the debt until almost 3 years ago. Paperwork sent did not match my signature and other errors was noted as well. I have sent letters and copy of driving license with my signature also phone number that was used on the application has never been my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: MD

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, I suspected identity theft and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity theft tied to the XXXX breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX  XXXX Balance : XXXX Date XXXX XXXX ) XXXX  XXXX Balance : XXXX Date XXXX XXXX ) XXXX  XXXX Balance : XXXX Date XXXX XXXX ) XXXX XXXX XXXX Balance : XXXX Date XXXX XXXX ) XXXX XXXX XXXX Balance : XXXX Date XXXX XXXX ) XXXX XXXX XXXX XXXX Balance : XXXX Date XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX ) XXXX  XXXX XXXX : {$310.00} Date XXXX XXXX ) XXXX  XXXX XXXX : {$70.00} Date XXXX XXXX ) AFFIRM XXXX XXXX : {$120.00} Date XXXX XXXX ) XXXX XXXX XXXX : {$340.00} Date XXXX INCORRECT ADDRESSES LISTED : XXXX ) XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My personal information is not accurate on my report. It needs to be accurate per the FCRA.

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 2025-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Mintex Inc.
State: IL

Complaint narrative:
Mintex Inc XXXX XXXX working on the behalf of XXXXXXXX XXXX  XXXX reached out to family members regarding a debt they are attempting to collect. They shared detailed information about the debt including total balance owed, as well as my account number so that somebody other than myself could log in and view every detail of the debt illegally without performing proper authorization as is required by the Fair Debt Collection Practices Act.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: IA

Complaint narrative:
XXXX HAS FAILED TO VALIDATE THE DEBT IN QUESTION AS REQUIRED BY LAW. THEY HAVE NOT/DID NOT PROVIDE ALL OF THE REQUIRED INFORMATION TO

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 2025-06-01 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: NC

Complaint narrative:
The account XXXX XXXX is reporting inaccurate information. As of today XX/XX/XXXX the status updated is reporting XX/XX/XXXX. Report number XXXX was submitted on XX/XX/XXXX. Company responded on XX/XX/XXXX confirming a re-investigation was done verifying the following disputes but the status updated has remained reporting XX/XX/XXXX. This is a violation of my rights to not report 100 % accurate information on my credit report according to FCRA. Falsely confirming a false investigation is against FCRA rules.I will provide proof of the false investigation.

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 2025-06-01 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:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, I suspected identity theft and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity theft tied to the XXXX breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX  XXXX Balance : XXXX Date XXXX XXXX ) XXXX  XXXX Balance : XXXX Date XXXX XXXX ) XXXX  XXXX Balance : XXXX Date XXXX XXXX ) XXXX XXXX XXXX Balance : XXXX Date XXXX XXXX ) XXXX XXXX XXXX Balance : XXXX Date XXXX XXXX ) XXXX XXXX XXXX XXXX Balance : XXXX Date XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX ) XXXX  XXXX XXXX : {$310.00} Date XXXX XXXX ) XXXX  XXXX XXXX : {$70.00} Date XXXX XXXX ) AFFIRM XXXX XXXX : {$120.00} Date XXXX XXXX ) XXXX XXXX XXXX : {$340.00} Date XXXX INCORRECT ADDRESSES LISTED : XXXX ) XXXX XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2025-06-01 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: MD

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, I suspected identity theft and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity theft tied to the XXXX breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX  XXXX Balance : XXXX Date XXXX XXXX ) XXXX  XXXX Balance : XXXX Date XXXX XXXX ) XXXX  XXXX Balance : XXXX Date XXXX XXXX ) XXXX XXXX XXXX Balance : XXXX Date XXXX XXXX ) XXXX XXXX XXXX Balance : XXXX Date XXXX XXXX ) XXXX XXXX XXXX XXXX Balance : XXXX Date XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX ) XXXX  XXXX XXXX : {$310.00} Date XXXX XXXX ) XXXX  XXXX XXXX : {$70.00} Date XXXX XXXX ) AFFIRM XXXX XXXX : {$120.00} Date XXXX XXXX ) XXXX XXXX XXXX : {$340.00} Date XXXX INCORRECT ADDRESSES LISTED : XXXX ) XXXX XXXXXXXX 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 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