vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XX/XX/XXXX, Achieve Personal Loans XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, 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 non-monetary relief
Consumer complaint received 2025-06-13 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: MOHELA
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under XXXX USC XXXX section XXXX states i have the right to privacy XXXX USC XXXX section XXXX a section XXXX it also states a consumer reporting agency can not furnish an account without my written instructions under XXXX USCs XXXX a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I called Allys customer service on XX/XX/2025 to request interest rate relief on my credit card. I received a 0 % balance transfer offer on my other Ally card ( which currently carries no balance ), but was told I can not transfer from one Ally account to anothermaking this offer both unusable and misleading, given that I am being charged over 30 % interest on my existing Ally credit card balance. 

Despite escalating the call to a supervisor and clearly explaining my situation and willingness to pay down the balance, I was told there is no assistance availableeven temporarily. They could 'flag my account ' in case anything changes in the future - useless. I was met with scripted responses and no acknowledgment of my responsible intent or history as a customer. There was a lot of scripted jargon the agents were clearly being forced to parrot including 'thanks for making Ally your card of choice ' after I had very clearly explained how this is NOT my choice and that Ally is certainly NOT acting as an 'ally '. No actual conversation or customer service. 

I believe this is both predatory and misleading. Offering 0 % interest in marketing while charging 30 % + on existing customerswithout any hardship optionsis a deceptive and unethical business practice. I am requesting the CFPB review Allys handling of interest rate relief and promotional balance transfer policies.

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 2025-06-13 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:
This is my XXXX written attempt demanding the immediate removal of fraudulent tems from my consumer report under FCRA XXXX. You have failed to comply with your legal obligation to block this information within XXXX business days. 
You are now in XXXX XXXX with the Fair Credit Reporting Act and knowingly causing XXXX to a consumer. 
Despite providing : - A valid FTC Identity Theft Report- A written request for block/removal- Clear documentation of fraud You continue to report 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-13 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX rate me as un-scorable Experian has my correct information I have spent $ XXXX of dollars sending XXXX  and Transunion my married name, passport, social security card They said they would fix it They now refuse and are demanding I spend the money to do it again

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi i would like experien-Transunion - Equifax credit reporting to correct my address, they have my friend address in California thats not my address. My current and correct address is XXXX XXXX XXXX XXXX XXXX XXXX My friend Address is XXXX XXXX XXXX XXXX XXXX Ca XXXX I NEVER LIVED THERE please remove that. I use to be a Authorized Signer on her XXXX XXXX XXXXard i never lived in California

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi i would like experien-Transunion - Equifax credit reporting to correct my address, they have my friend address in California thats not my address. My current and correct address is XXXX XXXX XXXX XXXX XXXX XXXX My friend Address is XXXX XXXX XXXX XXXX XXXX Ca XXXX I NEVER LIVED THERE please remove that. I use to be a Authorized Signer on her XXXX XXXX XXXXard i never lived in California

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
a XXXX loan added to my credit. i did not need nor receive any XXXX  loan i was on a full ride scholarship. when i left the college i spoke with the business financing XXXX. and was told i owed {$0.00} to the school and state because i did NOT get a loan. and now my XXXX XXXX has went down over XXXX points because of this issue.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX 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 2025-06-13 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:
I acquired a product through a financing arrangement that was presented to me under completely misleading conditions. I was scammed and deceived into accepting this financial obligation, as I was led to believe that the balance would be fully covered if I completed certain actions which I did. Despite fulfilling my part, the promise was never honored. As a result, I am now burdened with a debt that I did not knowingly or willingly accept under clear, fair, or transparent terms. This situation was the result of a scam that misled me into entering a credit agreement I would have never approved if I had been properly informed. 
I have already submitted an Identity Theft Affidavit to the FTC and am formally requesting that this account be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I can not create an equifax account, or login to an equifax account. Equifax claims they cant help me create XXXX or login. I was able to use experian and XXXX just fine. I am almost 100 % positive there is a XXXX remark to dispute on my equifax since there was XXXX on my XXXX XXXX XXXX  but equifax wont help me with anything or even let me see my own personal credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: AZ

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( XXXX  ), XXXX U.S.C. XXXX. 

My credit report lists a student loans that has been legally discharged but are still being reported as active or delinquent. The details of the loan are as follows : Creditor/Loan Servicer : DOE XXXX Account Number : XXXX Issue : This loan was discharged on XX/XX/XXXX, XXXX Closed School discharge. Despite this, the account is inaccurately reported as open or past due. 

I am enclosing documentation supporting the discharge of this loan, including : Official discharge letter from the XXXX Department of Education or loan servicer Copy of my credit report with the erroneous account highlighted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are XXXX  and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading 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 non-monetary relief
Consumer complaint received 2025-06-13 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Im reaching out because Ive identified a credit inquiry on my report that is completely fraudulent. I did not authorize it, I did not apply for credit with that company, and I had absolutely nothing to do with the request.

To be blunt : This inquiry was not made by me.

I did not consent to it.

I did not initiate any application that would justify its presence.

It is fraudulent, plain and simple.

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 2025-06-13 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I am submitting a formal complaint regarding Wells Fargo Bank , N.A . and their handling of payment allocation on my credit card account ( last 4 digits : XXXX ), specifically relating to 0 % promotional financing purchases. 

Over the past several months, I have made multiple purchases that fall under " No Interest if Paid in Full '' promotional terms, each with its own expiration date. According to the Credit CARD Act and general industry standards, I understand that issuers are expected to apply payments to the balances with the earliest promotional expiration first, especially to help consumers avoid retroactive interest.

However, upon review of my account and statements, Ive identified that Wells Fargo appears to be spreading my payments proportionally across all active promotional balances rather than prioritizing the one that expires first. 

For example : A promotional balance from XX/XX/XXXX ( {$910.00} ) is scheduled to expire in XX/XX/XXXX. 

Despite making over {$1900.00} in payments, only a portion of that has been applied to this earliest-expiring balance. 

Meanwhile, newer purchases from XX/XX/XXXX have also received proportional payments even though they do not expire until late XXXX or XXXX. 

This XXXX creates a high risk that I will not fully pay off the earliest-expiring balance in time not because I havent paid enough, but because Wells Fargo 's allocation method delays how payments are credited to each balance. 

This practice seems to contradict the intent of promotional financing disclosures and may be materially misleading or unfair. I respectfully request that Wells Fargo be instructed to : Apply payments first to promotional balances with the nearest expiration date, or At a minimum, allow cardholders to manually direct payments to specific balances.

I would appreciate the CFPB 's assistance in ensuring that my rights are protected and that Wells Fargo corrects this payment handling practice going forward. I can provide statements and calculations if necessary to support this claim.

Thank you for your time and assistance.

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 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-06-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: HW Holding, Inc
State: NC

Complaint narrative:
To Whom It May Concern at the CFPB, I am submitting this formal complaint regarding a debt being reported by Hunter Warfield Inc in the amount of {$7200.00}. The account is entirely inaccurate. 

I have never lived at the residence associated with this debt, nor have I entered into any rental agreement or lease connected to this account. Therefore, I dispute the validity of this debt and request immediate action. 

Company Name : Hunter Warfield Inc Balance : {$7200.00} Account Type : Alleged apartment debt Issue : Never lived at the address linked to this debt Under the Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX XXXX. XXXX ( b ), I am exercising my right to dispute this debt and request full validation. I am demanding that Hunter Warfield Inc provide : A full copy of the signed lease agreement Proof of my residency at the claimed address A full itemization of the charges Any other supporting documents that prove the debt is valid and belongs to me Until this validation is provided, I request that the debt be : Deleted from all consumer credit reporting agencies under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, due to lack of verifiable evidence All collection activities cease immediately as required under XXXX XXXX. XXXX ( b ) No further reporting or furnishing of this account unless legally validated This inaccurate debt is damaging my credit profile and affecting my financial well-being. I am requesting the CFPB 's help to ensure this matter is investigated thoroughly, and the account is permanently removed from all credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation