vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
Misleading sales reps Unauthorized contracts Tricking customers into agreements Sending disputed accounts to collections Failing to provide signed contracts XXXX misrepresented my contract terms. 
In XX/XX/year>, I electronically agreed to a XXXX XXXXXXXX payment plan for camera and window sensors. 
XXXX later claimed they could not locate my agreement and sent a {$2600.00} full balance to Sequium Collections. 
I never signed or agreed to this amount. I attempted to resolve the issue with XXXX to pay the agreed amount of XXXX XXXXXXXX but they refused. 
This is inaccurate, fraudulent reporting, and a violation of consumer protection laws. 
I request removal of the collection and validation of the original agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: AZ

Complaint narrative:
In early 2025, I reviewed my credit reports and discovered several credit inquiries and accounts that I did not authorize. These appeared between XXXX and XX/XX/year>, during a period when I did not apply for any new credit. I did not give permission for my information to be used for these applications. 

Some of these fraudulent accounts reported balances and activity that I did not recognize. Several of the accounts were later marked as delinquent and were ultimately sent to collections, even though I never opened or used these accounts. These collection accounts have negatively impacted my credit and are not related to any legitimate activity by me. 

After discovering the issue, I contacted the credit bureaus to dispute the unauthorized inquiries, the fraudulent accounts, and the collection entries. I also contacted some of the companies and collection agencies involved to inform them that these accounts were not mine and were opened without my authorization. Some companies advised me to file an identity theft report, which is why I am submitting this statement. 

I am requesting that the unauthorized inquiries, fraudulent accounts, and all related collection accounts and negative reporting be investigated and removed from my credit files. I have taken additional steps to secure my personal information and prevent further misuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: GA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CarMax, Inc.
State: GA

Complaint narrative:
car repossessed account closed but sill reporting inaccurate after charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Bright Capital Inc
State: MD

Complaint narrative:
This company named bright money unauthorized a charge on my account and I requested a refund that said it would take 3-5 days and its been well over that and I still have not received my refund or any updates regarding my refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: DE

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 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 2025-11-13 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: DE

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 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion is reporting a hard inquiry on my credit history with my personal information, which I do not recognize.

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 2025-11-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Received a single letter in the mail. The letter has a CapitalOne logo. The letter states that I opened a XXXX XXXXXXXX  card. It also says, " To help keep your account safe, you and any authorized users won't be able to make transactions using any credit card issued under the account until you contact us. '' Then it say, " Please call our Fraud Department at XXXX ''. When we called the number to report the card, they asked for our personal information but we wouldn't give it to them. 
The credit card number they referenced was NOT XXXX of our cards. it gave the last four digits " XXXX ''. we hung up and took the letter to our bank and they said we should report it as fraud. They also encouraged us to call XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NC

Complaint narrative:
PNC has suspended my account because of a wire transfer which doesnt have anything to do with the money that was already in the account and wont tell me anything as to what I need to do to recover my account, this is a inconvenience as I have bills to pay, food for myself, gas for my car, again they have no right to keep my paycheck from the company I work for. Something needs to be done!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: PNC Bank N.A.
State: KY

Complaint narrative:
On XX/XX/2025, I obtained XXXX Certificates of Deposit ( CDs ) at PNC Bank. Both CDs were opened at a promotional interest rate of 4.03 % for a three-month period. 
On XX/XX/XXXX, I received a written Certificate of Deposit Maturity Notice ( CDMN ) from PNC Bank, inviting me to renew my CDs for another three-month period. In accordance with the instructions, I returned both CDMN documents via XXXX postal mail within the required XXXX period. 
Unfortunately, at the end of the subsequent three-month periodfrom XXXX to XXXX bank applied the non-promotional rate of 0.03 % to my CDs, instead of the current promotional rate available at that time. 
When I contacted PNC to discuss this issue, they informed me that obtaining the promotional rate required me to either call in or visit the bank in person. I pointed out that the CDMN did not disclose any written requirement for renewing in person or over the phone.

It is reasonable to interpret the CDMN as a written contract to renew the CDs at the ongoing promotional rate for the new three-month period. I asked PNC whether they had received or could locate the written CDMN documents that I submitted, but they were unable to confirm receipt or locate the documents. 
Despite numerous complaints to PNC, this issue remains unresolved. I feel that PNC is engaging in deceptive practices regarding the renewal of CDs at the promotional rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: GA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF 15 U.S.C. 1681I ( A ) ( 6 ) ( B ) ( III ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION. 
THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS. 
FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY 15 U.S.C. 1681I ( B ). THIS DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS. 
THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING PROCESS.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>, I initiated a dispute with Experian, asserting a right to the blocking of adverse information on my credit report pursuant to 15 U.S.C. 1681c-2 ( Section 605C of the Fair Credit Reporting Act ). The basis for these requests was my documented status as a victim of XXXX XXXX. This status was substantiated by a FCRA Section 605C Self-Attestation Form, a XXXX XXXX XXXX XXXX  Documentation signed by both myself and the XXXX XXXX XXXX , an XXXX, and accompanied by certified court documentation of expungement directly related to said status. Supporting documentation provided included a copy of my driver 's license, a utility bill, and specific account identification. Experian, declined to block the identified adverse information as statutorily required, asserting that that the victim determination documentation provided is not valid. The documentation was either ( 1 ) made by an entity that is not authorized to make a victim determination under the federal rules implementing Section 605C of the FCRA. XXXX XXXX XXXX XXXX XXXX  Documentation was provided by the XXXX XXXXXXXX XXXX and bears the signature of XXXX XXXX, a managing attorney at the organization. XXXX XXXX was duly authorized by his superior to furnish this documentation, which includes his corporate email address and telephone number for verification purposes. This refusal constitutes a potential violation of the Fair Credit Reporting Act 's provisions regarding the rights of XXXX XXXX victims to have adverse information resulting from their victimization blocked from their credit reports ( Federal Consumer Credit Protection Act ).

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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I initiated a wire transfer from my XXXX account on XXXX and it was deposited into my BMO account on the same day. BMO initiated a fraud hold on my account and I am now unable to access my funds. They have not given me reason to why my account is on hold. I have been to the branch and no one will put me in contact with the department. I rely urgently on these funds and now have no funds for survival.

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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX my credit card and personal ID was stolen from this website : XXXX XXXX XXXX 
XXXX - was trying to buy that item and the checkout kept failing. This website needs to be shut down! 
Then on XX/XX/XXXX this bogus charge appeared : XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX  XXXX {$3100.00} Merchant Name : XXXX XXXX XXXX Address : XXXX XXXX IN, XXXXTransaction Method : Card # Entered by XXXX : Other Miscellaneous Then on XX/XX/XXXX XXXX more bogus charges appeared : PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX TX XXXX CARD XXXX {$5000.00} Merchant Name : XXXXMerchant XXXX XXXX, TX, XXXXTransaction Method : Card # Entered by Customer/MerchantCategory : Car Payments And : XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX CARD XXXX {$240.00} Details Merchant Name : XXXX XXXX XXXX IMerchant Address : XXXX, FL, XXXX Method : Card # Entered by XXXX : Other Auto/Transportation Closed that credit at Wells Fargo and opened a dispute with them and after a week they closed the claim because they said the charges were valid.

Well yeah, the website stole all of my info to make the bogus charges!!! We need our {$8300.00} back ASAP!

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