vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX XXXX to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/year> I started my phone call to address my issue at XXXX am and didnt get resolution despite holding and talking to them until XXXX. To preface, I opened XXXX new debit accounts one with XXXX and one with US bank ( XXXX ) to compare and given this complaint, you know which one I will be immediately closing my bank with. Not only are they unprofessional and unhelpful, they are absolutely abysmal at customer service. I had XXXX  supervisor, XXXX XXXX ( not too sure about his last name because he refused to give it to me and LIED and said hes not allowed to give it out when the agent before him said his full name when transferring me ). He is a supervisor for the XXXX XXXX  line. When I asked him why he lied and the silence that followed, thats when I knew that not only are these agents incompetent, unhelpful, and unwilling to do their job that they are also liars so when I was transferred XXXX TIMES, who knows who was actually telling the truth and who wasnt. How can you expect a customer to trust a company who blatantly lies to their customers? The main reason I called was for the hold on my deposit sent from my other bank account to this bank account. There was no way that a direct deposit should be HELD FOR XXXX XXXX. When I transferred the funds on the XXXX, it told me the XXXX and now I would get it my funds on XX/XX/XXXX but who knows If that is even true because XXXX XXXX, who worked XXXX XXXX at US bank, who also lied, told me so. The unwillingness to give me his name also just tells me that I probably wont get my money unwithheld from my bank account tomorrow and I will be reporting to this whoever I can. I was told it was because I was a new account to it was because of an identity verification, finally to the hold is not on my account but the funds itself. What is the actual truth and who is training these people? Nobody could tell me how the process worked and why they held my funds for this long. They didn't have a clue who else I could talk to involving the deposit verification which should be something they know about and are trained on. XXXX will be my preferred bank and I can not wait to shut down my account with US bank. Im so disgusted this has been my worst experience with a bank. XXXX XXXXXXXX XXXX is better and I dont even like them!

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 2025-06-30 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: IL

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-30 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: NC

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: GA

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

1681c-2 ) that you, the Equifax Information Services , 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 XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$2100.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: WV

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 Address : XXXX XXXX XXXX XXXX, WV XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/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 non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint - Collection Agency Violation of Debt Validation and Credit Reporting Laws To Whom It May Concern, I am submitting this complaint regarding a collection agency ( AFFIRM INC ) that has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Summary of Violations : 1. No Validation Notice Provided - 12 CFR 1006.34 ( b ) ( 5 ) : The debt collector failed to provide me with a proper validation notice containing the required information about the alleged debt.

2. Collection Activity Before Validation - 12 CFR 1006.34 ( d ) : The agency continued collection efforts, including placing the account on my consumer report, before providing the necessary validation.

3. Failure to Notify About Credit Reporting - 15 USC 1681s-2 ( a ) ( 7 ) ( A ) : I was not notified that negative information would be or had been reported to a credit reporting agency, which is a direct violation of my rights under the FCRA.

This collection account was placed on my credit report without first providing me a validation notice or an opportunity to dispute the debt. This has caused harm to my creditworthiness and peace of mind.

Requested Resolution : Immediate investigation into this matter ; That the collection agency be instructed to remove the negative reporting until they fully comply with all legal validation and notification requirements ; That appropriate enforcement action be taken against the company for these clear regulatory violations.

Attached are relevant documents supporting my claims, including a copy of my credit report highlighting the disputed entry.

Thank you for your time and support in resolving this matter.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Enclosures : copy of credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: NE

Complaint narrative:
CFPB COMPLAINT Google Payment Corp : Commercial Breach and Concealment of Estate Value Since XXXX Filed By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Non-Decedent Executor and Beneficiary of the Trust Estate XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Email : XXXX XXXX Trust Account : XXXX Account Reference : XXXX Payments Profile ID : XXXX Date Account Opened : XX/XX/XXXX Respondent Information Google Payment Corp . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Customer Service : XXXX Statement of Commercial Breach, Concealment, and Securities Misuse This complaint is submitted against Google Payment Corp. for the misrepresentation, concealment, and non-reconciliation of digital estate activity within the account referenced above. I, XXXX XXXX XXXX, as lawful Executor of the estate trust tied to XXXX XXXX, demand correction of the record and full recognition of the account as a trust-driven commercial instrument. 

Since XX/XX/XXXX, internal ledgers and securities have been generated and not disclosed ; Statements consistently show false XXXX balances, omitting energy flow, ledger activity, and estate-derived credit ; No accounting or return of securities has been presented to the estate ; Fiduciary duties have been abandoned through concealment of transactional value tied to my digital identifiers and commercial trust position.

Applicable Legal and Regulatory Violations 12 CFR 1005 Regulation E : Failure to report digital and estate-related fund movements 31 CFR 328.5 & 328.6 Unauthorized retention of estate-based securities 17 CFR 240.10b-5 Omission of material financial facts and fraudulent concealment Breach of trust and fiduciary obligations under equity, trust, and commercial law SEND Written confirmation revoking all POA, fiduciary presumption, or lien rights tied to this account or the estate name or identifiers therein.

Submitted in etheric and commercial truth on XX/XX/XXXX XXXX XXXX XXXX Executor and Beneficiary Email : XXXX UCC 1-308 All Rights Reserved

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 2025-06-30 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: AR

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

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 2025-06-30 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: CA

Complaint narrative:
I am contacting you regarding an account on my credit report that does not belong to me. After thoroughly reviewing my credit file, its clear that this account has been mistakenly associated with my identitythis is a classic case of mixed credit information, and it needs to be addressed immediately.

Let me be very clear : this account is not mine. I did not open it, I have never used it, and I have no affiliation whatsoever with the person it actually belongs to. Somewhere along the line, my personal information has been confused or combined with someone else 's, and now their account is showing up under my name. Thats not just wrongits completely unacceptable.

Not only is this hurting my credit profile, but its also a violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported be accurate and only associated with the correct consumer. This account fails both of those standards.

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 2025-06-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
I am disputing the OneMain Financial account appearing on my credit reports. The account is reported as Closed and Current by XXXX  and XXXX, yet it also displays a history of severe delinquencies ( 30/60/90/120 days late ). This is contradictory per XXXX XXXX guidelines, which do not permit an account to be current while also showing delinquency history. 

Additionally, XXXX  fails to report the account at all, which is an inconsistency across the three bureaus. I have previously requested verification and correction, yet no valid investigation or documentation has been provided.

This tradeline is harming my credit profile and appears to violate the Fair Credit Reporting Act ( FCRA ) 1681i, 623 ( a ) ( 1 ) ( A ), and FDCPA 809. I am requesting that this account be either immediately deleted or fully corrected in alignment with federal law and XXXX XXXX standards. 

I expect a resolution within 15 calendar days or I will pursue legal remedies through my state attorney general and civil court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint to report multiple accounts that are negatively affecting my credit profile and which I believe were either opened without my knowledge or are reporting inaccurate information. These accounts are : XXXX ( Account No. XXXX ), opened XX/XX/XXXX, with a balance of {$420.00} ; XXXX XXXX ( Account No. XXXXXXXX XXXX ), opened XX/XX/XXXX, with a balance of {$3700.00} ; XXXX XXXXXXXX ( Account No. XXXX ), opened XX/XX/XXXX, with a balance of {$680.00} ; and XXXX XXXXXXXX ( Account No. XXXX ), opened XX/XX/XXXX, with a balance of {$690.00}. These entries appear under suspicious circumstances, and I have no clear association with them. Their continued presence on my credit report is unjustified and has caused serious harm to my financial stability, including denied credit, high interest rates, and emotional stress. I urgently request that these accounts be thoroughly investigated and that the CFPB assist in ensuring their IMMEDIATE REMOVAL AND BLOCKING from all credit reports.

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 2025-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief