vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I am filing this complaint to request the removal of several credit items currently listed on my TransUnion credit report. I have already contacted the credit bureau regarding these issues, but no resolution has been made. I am now escalating to the CFPB for investigation and removal of the following accounts and inquiries. 

Unauthorized or Disputed Accounts : XXXX. XXXX XXXX ( Reported : XX/XX/XXXX ) Account Status : Charge-off Balance : {$460.00} This account was charged off without my knowledge or clear explanation. I received no formal notification about this account prior to it appearing on my report. I dispute its accuracy and request it be removed due to lack of prior notice and resolution attempt. 
XXXX. XXXX ( Reported : XXXX. XXXX, XXXX ) Balance : {$5000.00} Status : XXXX  days late This loan appears to have reporting inaccuracies. I was not properly notified about the delinquency status. This is impacting my score despite attempts to resolve it. I request a formal investigation and updated reporting. 
XXXX. XXXX ( Reported : XX/XX/XXXX ) Status : Closed by credit grantor The account is listed at nearly 200 % utilization, but was closed and fully paid on time. I request the balance be corrected or this account removed to reflect accurately. 
XXXX. XXXX  XXXX ( Reported : XXXX. XXXX, XXXX ) Account shows Dispute resolved by grantor, but I was never informed or given the outcome of this dispute. Account also shows XXXX days late, which I do not believe is accurate based on my records.

Unauthorized/Inaccurate Hard Inquiries : I did not authorize or recognize the following inquiries and request their immediate removal : 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 XXXXXXXX ) These inquiries were not initiated by me. I have no open accounts or applications tied to these institutions. They have negatively impacted my credit score and were added without my consent.

Resolution Requested : Full removal of the disputed hard inquiries listed above Full removal or correction of the disputed accounts ( XXXX XXXX, XXXX, XXXX, XXXX XXXX ) A full investigation and update from TransUnion regarding all disputed data Thank you for your help in this matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : 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 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I reached out to TransUnion providing information showing that the debt with XXXX XXXX XXXX and XXXX XXXX is not mine. I even provided documents from the companies with proof that the debt do not belong to me. TransUnion completely ignored the ftc report and police report and documents from the companies.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit file has been compromised as a result of a data breach, causing fraudulent accounts to be listed. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I demand these accounts be blocked and removed within 4 days : 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 FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} CKSPRIMEIN - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX 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 : {$1200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Following 15 U.S.C. 1681c-2 ( a ), I request the accounts listed above be blocked from my credit report and any related inquiries be deleted as they are fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I notified Lakeview on XXXX XXXX and Lakeview insurance department verified having received my new policy on XX/XX/year> via email. They said it'll take XXXX days for the new insurance policy to process on my account and then result in a new escrow analysis. When I called to confirm if any additional steps needed to be taken, I was told no because the new insurance policy is already uploaded which is why an escrow analysis was completed on XX/XX/year>. When I called the insurance department to learn why a second insurance payment was sent for a cancelled policy, they stated that I was given false information again and needed to personally call the insurance department to cancel the disbursement for XX/XX/year> for the {$2800.00} payment. The insurance department stated they didn't receive my new insurance policy until XX/XX/XXXX when then payment was submitted when the website stats it takes XXXX days to process new insurance policies. When I spoke with the escalation department after that, I learned an additional escrow analysis was completed for XX/XX/year> after XXXX insurance payments were paid in XX/XX/year> which increased my payment from the escrow analysis done on XX/XX/year> for about {$1900.00} to the new payment of about {$2000.00}. Lakeview sent an email on stating that my next escrow analysis wouldn't be completed until XXXX, so it is unclear why a XXXX escrow analysis was done in XXXX. The Lakeview employee in the escalation department stated that he wasnt sure why a XXXX escrow analysis was done to increase my payment and would investigate the situation. The XXXX department also stated they would submit a question, work to do a reversal on the XXXX payment to reflect my XXXX insurance policy and my 24 month spread to share what that payment would be and then never called me back with any of this information. I have this promise on recording as well. The customer service department, I have on recording, shared a XXXX escrow analysis was completed because the insurance department requested it. I called the insurance department and they stated that too was false information, that they do not submit requests for escrow analysis. No one knows why a XXXX escrow analysis was completed and said lakeview decided to archive my XXXX escrow analysis for some reason. My financial hardship is again because of the false and incomplete customer service information provided by Lakeview employees. I have all of this on recording to for my records to show the number of times lakeview has provided false an incomplete information that resulted negatively on monthly mortgage payment.

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 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS

Complaint narrative:
To whom it may concern, We have been members of USAA for 14 years. On XX/XX/XXXX they decided to close out all 3 accounts. My husband and I have a joint account but separate profiles.

We both have been on the phone countless hours trying to figure out why USAA restricted all 3 accounts.

We have spoken to transferred to countless agents, that are incompetent and have no idea on what they are doing! 

First we have been speaking to a member of fraud because of fraudulent activity on our account! We have spoken to member security, which they have lifted the restriction several times and has sent out new cards to find out that USAA fraud team put back on the restrictions. 

The last time we spoke to USAA was in banking where we were informed that USAA decided NOT to do business with me and there is something under my profile that was determined to close out the accounts and that this was NOT fraud related! Weve tried calling USAA on several occasions for answers as to why they had to close out our accounts with absolutely NO explanations!

I have requested a review on 2 separate occasions and emailed XXXX for an explanation as to why they closed out our 14 year membership to see if there is something that I needed to correct moving forward, if this was my fault or if it was in fact fraudulent! 

USAA left us without any funds to pay our bills, buy food for ourselves and our pets! 

Thank you for your time in this matter!

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 2025-06-03 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: AR

Complaint narrative:
Due to being a victim of a recent data breach, unauthorized accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} XXXXXXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00}

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 2025-06-03 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: EQUIFAX, INC.
State: IN

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 non-monetary relief
Consumer complaint received 2025-06-03 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: IN

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: IL

Complaint narrative:
XXXX pending so no reporting should be made and the company has sent me XXXX of what I asked for and neither have you. If you have the documents and proof I requested and I'm legally due send it other wise delete. See theft report and affidavit offical documents sent certifed mail XXXX and signed with all verification documents. No more time will be allotted to fix this issue no further notices will be sent next steps will be filing suit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX pending so no reporting should be made and the company has sent me XXXX of what I asked for and neither have you. If you have the documents and proof I requested and I'm legally due send it other wise delete. See theft report and affidavit offical documents sent certifed mail XXXX and signed with all verification documents. No more time will be allotted to fix this issue no further notices will be sent next steps will be filing suit.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This serves as my FINAL NOTICE OF INTENT TO LITIGATE regarding the patently inaccurate late payment entries reported by TransUnion under the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my formal disputes submitted on XX/XX/year>, and XX/XX/year>, you have failed to correct or adequately verify the reported delinquencies as required by the Fair Credit Reporting Act ( FCRA ), including Sections 611, 604, and 1666b. Your continued inaction is a willful violation of my rights, causing significant harm to my credit standing and financial opportunities. As a good-faith effort to resolve this matter without the need for litigation, I am extending a settlement offer : ( 1 ) the complete deletion of all 10 inaccurate late payment entries across all three bureaus, and ( 2 ) payment of {$1000.00} to compensate for the damages suffered. This offer is valid for ten ( 10 ) calendar days from the date of this letter. Failure to respond with written acceptance and a corrective action plan within that period will result in the immediate filing of a federal complaint for violations of the FCRA. I will seek actual damages, statutory damages up to {$10000.00}, punitive damages, and full reimbursement of legal fees. You are now formally on notice of your legal exposure and urged to treat this as a final opportunity to resolve this matter without litigation.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is a formal follow-up to my previously submitted complaint regarding XXXX XXXX XXXX While the company has removed XXXX inaccurate date of birth ( XX/XX/XXXX ), they have willfully left the majority of inaccurate, unverifiable, and unauthorized data intact, in clear violation of the Fair Credit Reporting Act ( FCRA ). 

Let me be unequivocal : The only accurate information in my XXXX  report is : My address : XXXX XXXX XXXX My phone number : XXXX Everything else including XXXX XXXX XXXX XXXX XXXX XXXX XXXX is completely false and represents gross data mishandling. I have never used, worked for, or confirmed : Any of the employers listed in the report Any of the reported email addresses Any of the inquiries beyond XXXX XXXX and XXXX XXXX XXXX Furthermore, multiple addresses reported by XXXX  were previously formally deleted as unverifiable by XXXX XXXX in XX/XX/XXXX. Yet XXXX continues to report them knowingly and recklessly. 

This violates : FCRA XXXX ( b ) Maximum possible accuracy FCRA XXXX ( f ) No permissible purpose for access FCRA XXXX ( a ) Incomplete and misleading file disclosure FCRA XXXX Refusal to apply the required TRAFFIC BLOCK XXXX partial correction is a bad-faith response that exposes me to continued credit denials, reputational XXXX  and XXXX XXXX  I am a documented XXXX XXXX XXXX XXXX  and their reporting failures further expose me to identity theft. 

XXXX continued reporting of false and unverifiable information has : Resulted in credit denials Prevented me from furnishing my home for my XXXX XXXX XXXXXXXX Caused significant XXXX XXXX and reputational XXXX  XXXX me exposed to identity confusion and fraud, especially as a documented XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: NC

Complaint narrative:
I am a victim of identity theft. Someone has used my personal information to open 2 credit card accounts. Ive never gave anyone access to my personal information or authorization to open any accounts in my name!!

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 2025-06-03 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: SoLo Funds Inc.
State: WI

Complaint narrative:
In XX/XX/2025, I attempted to request emergency funds through the Solo Funds app. I was unexpectedly blocked from accessing lenders due to a mismatch between the address on my debit card and what their system had on file. This restriction prevented me from even submitting a requestnot just withdrawing funds. 

When I contacted customer service, I was told there was nothing they could do. I asked for a written policy or documentation explaining this restriction, but no one could provide it. I was repeatedly redirected or given vague, inconsistent answers. No warning or notification was sent prior to being blocked, and I was not given any opportunity to correct or verify my information. 

This situation left me without access to essential financial support during a time of need. The lack of clear disclosure, transparency, and flexibility around their identity verification process is both confusing and harmfulespecially for low-income users relying on this service during emergencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: PA

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