vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: NV

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

1681c2 ) that you, the Experian credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian Information Solutions , Inc . 
XXXX XXXX XXXXXXXX XXXX, TX XXXX Summary of Complaint : I submitted a lawful request under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) for a full consumer file disclosure, including all records, dispute history, and verification communications relating to my TD Bank account. Experian has failed to comply. 



Timeline of Events : XX/XX/year> : I mailed a certified XXXX ( a ) disclosure request to Experian. 
XX/XX/year> : XXXX tracking confirms delivery to an individual at XXXX XXXX, TX office. 
XX/XX/year> : I mailed a certified follow-up letter notifying Experian of their non-compliance. 
XX/XX/year> : XXXX tracking confirms Experian picked up the follow-up letter at their XXXX, TX office XXXX 

Despite these confirmed deliveries, Experian has not provided the full consumer file disclosure as required by law. 



Violation : FCRA 609 ( a ) : Requires consumer reporting agencies to provide full file disclosure upon request. 
Experians failure to provide this disclosure violates my rights under the FCRA. 



Harm Caused : I have been denied access to my full consumer file. 
I can not properly verify the accuracy of Experians reporting on my credit history, particularly regarding my disputed TD Bank account. 
This obstructs my ability to ensure fair and accurate credit 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 explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-09-24 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: HI

Complaint narrative:
I identified multiple hard inquiries on my credit report that I did not authorize, initiate, or provide written consent for. These inquiries were placed without a permissible purpose, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( f ), which clearly states that no consumer reporting agency may furnish a consumer report to any person without a permissible purpose as defined by law.

The credit reporting agencies are also in violation of FCRA 15 U.S.C. 1681e ( a ), which requires them to follow reasonable procedures to ensure that inquiries are only reported when there is a legitimate and lawful purpose. Reporting and maintaining unauthorized inquiries shows a failure of their duty under FCRA 1681i ( a ), which mandates reinvestigation and correction or deletion of inaccurate information when disputed by the consumer.

Unauthorized inquiries also violate my rights under the Fair and Accurate Credit Transactions Act ( FACTA ), which was enacted to protect consumers from identity theft and unauthorized use of personal information. Additionally, these inquiries fall under the protections of the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531, which prohibits unfair, deceptive, or abusive acts or practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Robinson & Hoover
State: OK

Complaint narrative:
My husband has been garnished since XXXX under XXXX XXXX. XXXX. As of XX/XX/XXXX, more than {$6400.00} has been garnished, which already exceeded the original principal of {$6400.00}. Since then, over {$600.00} more has been taken ( total $ XXXX ). On XX/XX/XXXX, I sent a certified settlement offer to XXXX XXXX XXXX XXXX XXXX ( delivered XX/XX/XXXX, XXXX # XXXX ). The letter was ignored, and I received no response. I attempted to call their office during posted business hours, but the phone line disconnects with no voicemail or operator. They continue garnishing wages while refusing to respond to written settlement offers or give me the ability to ask them to provide an accounting of the balance, seeing as they don't answer the phone, respond to emails or certified mail. This appears to be an attempt to collect more than is owed, without transparency, and a refusal to communicate in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
On XX/XX/year> I opened Certificate of Deposit with XXXX XXXX XXXX XXXX XXXX XXXX  with amount of {$41000.00}. Maturity date for this account occurred on XX/XX/year>. 

This account was opened online. Funds, to fill this account, was transferred via wire transfer from my XXXXXXXX XXXX checking account. 

Two days before maturity date I called XXXX XXXX and informed them that I do not want to renew this CD and would like to get my funds back to me. They said that only way to do this is send Secure Message with request of closing my account from me. I did it. And they replay me over messaging system that I need to send them secure message again with new request for Close my account because they've some technical difficulties. I send them secure message again and they replay me that I need send them new request for account to be close. Totally, I sent them 19 ( NINETEEN ) of Requests to close my account and refund me back my money. 

Also, I called them 5 times and talked with representatives who represented as XXXX, XXXX, XXXX, XXXX and few others. And I requested from them by phone to return my money back. Last time representative XXXX XXXX said that they have technical difficulties with messaging system, that why they probably didn't receive my messages and we together supposed to send secure message, and she helped me do this on my side. We complete this action and message from me to bank was sent in " proper way ''. 

As of today, XX/XX/year>, my account in XXXX XXXX  still IS NOT closed and bank continued using my money for free, despite I have another CD opened in another bank that is waiting for this funds. I believe, the XXXX XXXX  do it purposefully, for free money use under far -fetched circumstances. 

I need help to close my account in XXXX XXXX and return my money back to me. My direct contact with XXXX XXXXXXXX did not lead to this.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
b'I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. XXXXUNAUTHORIZED INQUIRIES:XXXX XXXX XXXX XXXX ExperianXXXX XXXXXXXX XXXX XXXX ExperianXXXXXXXX XXXX XXXX Experian'

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 2025-09-24 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-09-24 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Late payment entries on my credit report appear to be inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, my credit report must include only information that is accurate, complete, and verifiable. I am requesting verification of these entries, and if they can not be confirmed, they should be corrected or deleted.

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 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: DE

Complaint narrative:
Today, I advised the company that they have been calling my phone and not properly identifying themselves more than XXXX XXXX per day every day well above the legal threshold of calling to collect a debt. The representative was really rude.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: NATIONS LENDING CORPORATION
State: LA

Complaint narrative:
In the last few weeks multiple times I have tried to get one page of the hardship paperwork that was not filled out or missed. Nations lending multiple times has told me they emailed it to two different emails and mailed a copy. After talking to a attorney he advised me they me be intentionally stalling this so I miss my deadline of XX/XX/XXXX. I have called once a week and have phone records and they keep saying they sent this but do not They have the ability to send my bill once a week but not the one page I need for my hardship paperwork. I believe they are intentionally doing this at this point and there is no other explanation. I get bills from them every day so it should be easy tho throw that one page in there so I can fill it out so easy.

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 2025-09-24 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: FL

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-09-24 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 noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-09-24 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I noticed that my credit report contains inaccurate personal information, specifically addresses that should not be associated with me. I have attached valid documents for your reference and ask that these addresses be removed immediately so my report reflects only accurate 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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I I am and was a platinum card holder with Wells Fargo with approximately XXXX like a credit and a balance of XXXX they send me an offer for a new card with {$10000.00} line of credit with XXXX or XXXX months interest-free and balance transfer I use {$5000.00} for balance transfer and and my minimum payment was {$40.00} XXXX paid {$150.00} per month unbeknownst to The account was opened in XX/XX/year> and right after in XXXX they reduce that credit line they had offered me by XXXX with no reason no email I'm not late on anything on any account I was not late with them but this was right immediately after they gave me as a result of this My credit score has been affected negatively by XXXX points because he has increased my ratio of debt to usage I didn't want this they offered it on those conditions they should not be able to reduce it immediately even though I'm not late with them or anybody else if they would have told me this is what's going to happen I will never accepted their offer on my credit line would have stayed at XXXX instead of XXXX My XXXX currently is XXXX I want my credit return to the previous status and the credit line restored

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