vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am a victim of identity theft. Someone used my information to open fraudulent accounts. I XXXX XXXX am Filing this CFPB complaint request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you XXXX XXXX XXXX Equifax credit XXXX agencies, 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. These accounts consist of, XXXX XXXX XXXX XXXX, Acct XXXX XXXXXXXX, Date opened XXXX. XXXX XXXX Bank Acct XXXX XXXXXXXX, Date opened XXXX accounts have resulted in several fraudulent XXXX inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or XXXX inquiries as reported. The aforementioned accounts, collections, and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and XXXX inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that the XXXX credit XXXX XXXX XXXX XXXX of the accounts, collections, and XXXX  inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
Good question, had a letter in mail about closing account thought it was for XXXX account that I did not use, nope they cancelled all accounts no information

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 2025-06-16 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: NC

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

1681c-2 ) that you, the XXXX  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 Address : XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX 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}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: NC

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX RE : XXXX XXXX Request To Whom It XXXX Concern, I am a victim XXXX XXXX. The information listed below, which appears on my credit report, is the result XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I sent a certified mail request to Equifax requesting a full file disclosure under FCRA 609. The request was received and confirmed by USPS tracking. 

As of XX/XX/year>, I have not received my credit file, which violates the FCRA. This failure prevents me from verifying or correcting any inaccurate or incomplete information and is now impacting my ability to obtain financing. 

I am requesting that Equifax immediately provide my full credit file as required by federal law and be investigated for failure to comply with consumer disclosure obligations under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: CITIBANK, N.A.
State: MO

Complaint narrative:
ive recently recieved a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit

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 2025-06-16 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 am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My claim keeps getting denied and this is not okay. I have submitted the same complaint. My name is XXXX XXXX and I am a victim of someone scamming me for a total amount of {$9900.00}. This was done over the phone the person who called knew my bank account number, my card number, my latest transactions, my billing address, my name, and etc. This person claimed to be Wells Fargo XXXX and said that there were fraudulent charges on my account and to verify the information they already had. I thought it was legitimate because I dont know how else they had my latest transactions my account number or my card number and knew the exact amount I had in my checkings account. When I verified that I didnt make the purchases that they were claiming and verified that it was me they wiped {$9900.00} off of my account. This was almost my entire savings. From here I immediately called my bank within minutes of it happening to stop the charge but unfortunately they said all they could do was submit a claim. I did the claim and the charge was still pending for 5 days and I called the bank everyday to get updated. They said they could not investigate my case until the charge was posted and out of my account. The transaction finally got posted yesterday and I kept up with my bank just to see my claim was immediately denied even though I did not approve of the transaction. I tried to appeal the claim but my bank is not giving me much hope. I reported it to the police as well and gave Wells Fargo the police report number which is XXXX. With all this information plus proof of the call they did not dispute the charge and completely dismissed my case. Im trying to do all I can to retrieve my funds and I came across you guys through research and found you guys could help me. Please help me this was my life savings that was gone in a instant. 
I have additional proof for this case. On Saturday I got another message the same one that I got scammed with the first time. I answered the phone and it was a man saying he was Wells Fargo XXXX and since I knew better this time I did not fall for it. But again he had my account number, my card number, my billing address, etc. This is ridiculous and so sad because if I wasnt already fraudulently charged XXXX, I wouldve fell for it again and lost more money. I submitted the attachments. There should be no reason a person other than myself should have that information.

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 2025-06-16 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: NJ

Complaint narrative:
I WANT THESE INQUIRIES TO BE DELETED FROM MY FILE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were made without my knowledge, authorization, or written consent, which constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which outlines the requirement for a permissible purpose before obtaining a consumers report. The continued inclusion of these inquiries in my file violates my right to privacy and places Equifax in direct violation of 15 U.S.C. 1681n and 1681o, which address willful and negligent noncompliance with the FCRA and hold consumer reporting agencies liable for damages. Let me share about the case of Duane Norman Sr. v. XXXX  LLC, where XXXX  was sued in a class action for its failure to conduct a proper reinvestigation of disputed hard inquiries. That case emphasized the legal duty of credit reporting agencies ( CRAs ) to investigate disputes thoroughly and in good faith. Equifax is now following the same unlawful path by failing to act on my previous dispute regarding these inquiries. I am demanding that Equifax conduct an immediate and thorough reinvestigation and permanently delete the unauthorized hard inquiries listed above from my credit file. I request confirmation in writing once the deletion is complete, along with a copy of my updated credit report reflecting these changes. 

I expect prompt action and compliance with the FCRA. If this matter is not resolved, I will escalate this further and seek all available legal remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Greetings, On XX/XX/2025 I noticed my mortgage payment changed from {$4000.00} up to {$4800.00}.

I am aware that supplemental tax bills came an

d that escrow needed and analysis. To begin with I was never notified about the change and second I went to the county tax office, and the taxes on my property have not been paid by my mortgage company as stated in tge contract, thats why we have an escrow account, my mortgage company wants to charge me monthly to cover my escrow account but according to the tax office the taxes on my property are not being paid. Mr.Cooper needs to make themselves responsible and cover all the late fees accumulated for not paying the taxes on my property. I will involve a lawyer if necessary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services
State: MI

Complaint narrative:
I have XXXX student loans through XXXXXXXX XXXX XXXX  I do not have any XXXX XXXX XXXX loans. When I graduated in XX/XX/year>, all of my XXXX loans were combined together and I have been making a monthly payment since. Out of no where a random public loan shows up on my XXXX XXXX that I have never had or opened. The company either has the wrong information or my identity was stolen to open this loan that has no randomly appeared XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: NJ

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the XXXX  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 XXXX XXXX XXXX REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX XXXXisted below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-16 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: CA

Complaint narrative:
I am filing this complaint against TransUnion for failing to remove an account from my credit report after the creditor agreed to delete it. 

I disputed the account with TransUnion, and the dispute was resolved in my favor. TransUnions own investigation confirmed the item should be deleted. However, the account is still being reported on my credit file. 

This is misleading and negatively impacts my credit score and ability to access fair financial opportunities. I am requesting that TransUnion immediately and permanently delete the account, as required under the Fair Credit Reporting Act ( FCRA ) once an account is found to be inaccurate or unverifiable. 

I have documentation proving the deletion was confirmed. I can provide this upon request.

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 2025-06-16 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: GA

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 Address : XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7700.00XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX, Balance : {$420.00} 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 : {$640.00} 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 : {$1700.00} 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 : {$0.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are XXXX and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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 2025-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Company : Capital One Issue Type : Rewards program Product : Credit card Problem : Promotional offer not honored Date opened account : XX/XX/year> Annual Fee : {$95.00} Complaint : I applied for the Capital One XXXX credit card on XX/XX/year>, based on a clearly advertised promotional offer of XXXX bonus miles after spending {$5000.00} within the first XXXX  months. I have a screenshot of this promotion, which was publicly available on Capital One 's website at the time of my application. This offer was the sole reason I applied for the card and agreed to pay the {$95.00} annual fee. 

I met the full spending requirement within the first XXXX  months, but Capital One only awarded XXXX bonus miles. I contacted them multiple times via phone to correct this, and I was repeatedly told that I was not enrolled in the XXXX offer or that the bonus wasnt guaranteed. This is false and deceptive. The offer was clearly advertised, and Ive attached the screenshot to this complaint as proof. 

I requested a review of the bonus issue. Capital One took over XXXX months to respond to my inquiry. If they had reviewed the issue promptly, I would have had the opportunity to cancel my card within XXXX  days of the annual fee posting and receive a refund. Because of the delay, I am now past the XXXX refund window, despite trying to resolve this matter in good faith and in a timely manner. 

Capital Ones actions have caused direct financial harm. I fulfilled the terms of the promotional offer, paid an annual fee expecting a certain benefit, and was denied the advertised reward. Their refusal to honor the offer or refund the fee feels like a bait-and-switch and is a clear case of false advertising. 

I am requesting that : Capital One award me the full XXXX bonus miles, as per the terms in place at the time of my application, or Provide a full or prorated refund of the {$95.00} annual fee, which I would not have paid had the promotion been correctly administered. 

I am also requesting that the CFPB review Capital Ones advertising and promotional practices to prevent this from happening to other consumers. 

Desired Resolution : Full bonus miles ( XXXX ) awarded ; or Full or prorated refund of the {$95.00} annual fee ; Accountability for delayed and deceptive handling of promotional terms. 

Attachments : screenshot of the XXXX offer

Company response to consumer: Closed with monetary relief