vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-25 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: MA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-12-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CreditNinja Lending, LLC
State: NV

Complaint narrative:
I am an XXXX XXXXXXXX XXXX XXXX I contacted CreditNinja multiple times by email requesting review of my loan under the Servicemembers Civil Relief Act ( SCRA ) and Military Lending Act ( MLA ), including interest rate and fee adjustments. CreditNinja repeatedly stated that changes can not be handled by email and instructed me to call. When I called, I was placed on extended hold without assistance. I have not received a substantive response to my written requests. Despite federal protections, the loan continues to reflect an extremely high effective APR and fees. I am requesting regulatory review due to failure to respond and failure to provide required protections to a military borrower.

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 2025-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I am writing regarding my HSBC credit card account, which has been closed. 

I recently became aware that I had reward points associated with this account ; however, I am currently unable to redeem them due to the account closure. At the time of closing the account, I was never informed that there were remaining reward points, nor was I advised of any deadline or grace period within which the points needed to be redeemed. 

Had I been made aware of this information, I would have taken the necessary steps to redeem my points before the account was closed. 

Given the circumstances, I kindly request that you allow me to access and redeem my remaining reward points, or alternatively provide an equivalent resolution. I believe this is a reasonable request, as there was no communication provided regarding the existence or expiry timeline of these points. 

I would appreciate your review and assistance on this matter and look forward to your response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: MS

Complaint narrative:
I went on a cruise and was charged two times for everything. The company settled but my bank refused to release the pending charges timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX. XXXXXXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} Reason : Inaccurate and unverifiable ; no validation provided. 

XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$57000.00} Reason : Inconsistent balance/history ; previously disputed without correction. 

XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Reason : Inaccurate report of balance and payment history ; no verification. 

XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Reporting derogatory information despite {$0.00} balance ; unverifiable. 

XXXX. XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} Reason : Duplicate account reporting ; duplicates must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/year>, I applied for and was approved for the Best Buy Credit Card ( issued/serviced by Citibank / Citi Retail Services ) because Best Buy advertised a 20 % discount that was only available for a 24-hour period after opening the account. The account was successfully opened and a hard credit inquiry was placed on my credit report, but I have been unable to use or access the account. 

Orders canceled / inability to use the card : When I attempt to make a purchase at XXXX, the transaction appears to go through initially, but Best Buy cancels the order for security reasons with no meaningful explanation or resolution. I called Best Buy to place the order by phone or resolve any security issue on my existing Best Buy account ( over 5 years old ), and they said they were unable to resolve the issue. 

Unable to access Citi account : When I attempt to complete Citi online account setup/access for this new credit card, I receive a message that the process can not be completed for security purposes and to call a specific number. When I call that number, Citi representatives can not explain the issue or restore access. As a result, I can not access the account to view the balance, make payments, verify whether any authorizations/holds exist, or close the account. 
Because of these failures, I received the downside of opening a new credit account ( hard inquiry and new account ) without the ability to use the product or obtain the 24-hour promotional benefit that induced the application. I am also exposed to risk because I can not even access the account to monitor activity or ensure any balances are handled. 


To add flame to the fire, since then the cost of my item has significantly risen in price. Overall, it seems like Citi Bank and Best Buy have colluded to create a credit card with no customer support and to give offers they have no intention of providing in order to open more credit cards fraudulently.

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 monetary relief
Consumer complaint received 2025-12-25 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: CA

Complaint narrative:
XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX " I am filing this NEW complaint based on new material evidence and a specific failure of the companies to conduct a manual reinvestigation as required by FCRA 611. This is NOT a duplicate of previous filings ; it addresses the ongoing refusal to acknowledge government-issued documentation ( California DMV Registration ) and the creditor 's own recent admissions regarding contract ambiguity. 

The vehicle ( XXXX XXXX XXXX ) is legally registered to a business entity, LA XXXX XXXX XXXX, not to me as an individual consumer. Despite providing the DMV registration card as new evidence, the bureaus continue to report this as a personal debt. The creditor 's latest response ( dated XX/XX/XXXXXXXX  ) admits the contract 'does not contain language describing [ me ] as a personal guarantor, ' yet they continue to furnish the data based on a signature ambiguity. This constitutes a failure to maintain 'maximum possible accuracy ' under 15 U.S.C . 1681e ( b ). 

Furthermore, I am identifying a structural reporting error that was not resolved in previous investigations : the account is currently reported as 'Charged-Off/Repossessed ' while simultaneously showing an 'Amount Past Due. ' Per Metro 2 industry standards, once an account reaches this status, the 'Amount Past Due ' must be {$0.00}. This logical inconsistency proves the bureaus are 'parroting " unverified data rather than performing the manual review required when a consumer provides contradictory material evidence. ''

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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

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 2025-12-25 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: VA

Complaint narrative:
This is my third formal request to have the unauthorized accounts and inquiries on my credit report reviewed and corrected. These inaccurate entries have substantially lowered my FICO score, causing difficulties in maintaining my financial stability. 

I am urgently seeking your assistance in resolving this matter, particularly as I am preparing to apply for a loan that requires a strong FICO score for eligibility. Your prompt attention to this issue would be greatly appreciated and would allow me to proceed with my financial plans without further detriment. 

Thank you for your support and cooperation in correcting these inaccuracies.

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 2025-12-25 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am submitting this complaint regarding Regional Acceptance Corporation ( RAC ) and the handling of my auto loan following the total loss of my XXXX XXXX XXXX. 

Timeline and facts : I purchased my XXXX on XX/XX/XXXX, financed through Regional Acceptance. 
On XX/XX/XXXX, the vehicle was totaled. 
Insurance issued a check in the amount of {$27000.00}, and GAP coverage was initiated to cover the remainder.

As of my last account access, a balance of {$9200.00} ( later reduced to {$460.00} ) was still showing, with no explanation or breakdown provided. 
I have repeatedly requested a clear, written, itemized accounting, including : XXXX. Complete loan payoff ledger showing all transactions from the date of loss forward XXXX. The date the vehicle was declared a total loss XXXX. The exact amounts paid by insurance and GAP, including posting dates XXXX. Clear itemization of the alleged remaining balance, identifying principal, interest, fees, or other charges XXXX. Interest accrual cutoff date applied after the total loss XXXX. Confirmation that no post-loss interest, late fees, or administrative charges were added after the vehicle was totaled Previous actions taken : I submitted multiple written requests to Regional Acceptance, including a formal written dispute on XX/XX/XXXX, demanding validation and itemized accounting. 
I explicitly requested all responses in writing and instructed them to cease telephone calls. 
Despite these requests, RAC has not provided any of the documentation requested. They have sent only boilerplate responses and instructed me to call representatives, which violates my written dispute instructions. 
I also filed a XXXX  complaint and received only generic responses that did not address my requested accounting. 

Impact : I can not verify the legitimacy of the remaining balance. 
Without documentation, any claimed debt is unverified and potentially inaccurate. 
Regional has blocked access to my account, preventing me from reviewing statements, balances, transaction history, or sending direct messages. 
The lack of written response raises concerns regarding transparency, fair billing practices, and potential improper post-loss charges.

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 2025-12-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: GA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I request the full record of procedures. This is an official notice of recoupment and demand for credits from my closed bank account. The account is still open in the private sector, and I demand a full refund of credits from year ( s ) XXXX, XXXX, XXXX. Bank of America must refund me full all deposits made to this closed account that remains open.

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 2025-12-25 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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 30 days 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.

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 2025-12-25 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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 30 days 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: LEXISNEXIS
State: MA

Complaint narrative:
Multiple unauthorized inquiries were reported on my XXXX  and LexisNexis consumer files by XXXX XXXX XXXX XXXX XXXX ( 3 inquiries ), XXXX ( 3 inquiries ), and XXXX XXXX XXXX XXXX XXXX ( XXXX inquiries ). I did not authorize these inquiries, and the furnishers have not provided any verification, documentation, or permissible purpose under FCRA XXXX. 

I disputed these inquiries directly with each furnisher, but none conducted a reasonable investigation or provided evidence to support the inquiries, violating FCRA 623. I also disputed the inquiries with XXXX  and LexisNexis, but both continue to report them despite the furnishers failure to verify, which violates FCRA 611 and 607 ( b ). 

I

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

Company response to consumer: Closed with explanation