vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 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: KY

Complaint narrative:
Beginning in XXXX, I discovered that several credit accounts and negative transactions appearing on my credit report were not opened by me, not authorized by me, or contain inaccurate derogatory information resulting from identity theft. I first became aware of these issues in XX/XX/year>, when I reviewed my credit file and noticed multiple charge-offs, late payments, and high-balance delinquencies associated with accounts I did not open or use. In reviewing the report, I confirmed that several accountsincluding credit card accounts and other financial productswere opened or used without my consent, resulting in fraudulent balances, charge-offs, and late payments. Some of the fraudulent accounts date back several years, with derogatory activity reported most heavily between XXXX. These fraudulent accounts include multiple credit card accounts with high past-due amounts, as well as auto-loanrelated derogatory marks that I did not authorize. Once I identified these issues, I filed an official FTC Identity Theft Report ( Report # XXXX ) documenting the affected accounts and confirming that the late payments, charge-offs, and derogatory activity were not mine. I also contacted the credit bureaus to dispute the fraudulent entries and requested blocks under the applicable identity-theft protections. Despite submitting these disputes, the information remains on my credit report and continues to cause harm. The fraudulent activity resulted in numerous inaccurate derogatory entries, including repeated late-payment notations, charge-off statuses, and large reported balances. These items do not belong to me, and I did not authorize any individual to open or use these accounts in my name. I have taken all steps required, including filing with the FTC, submitting disputes, and requesting corrections, but the companies involved either did not correct the information or continued reporting inaccurate data

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Beginning in XXXX, I discovered that several credit accounts and negative transactions appearing on my credit report were not opened by me, not authorized by me, or contain inaccurate derogatory information resulting from identity theft. I first became aware of these issues in XX/XX/year>, when I reviewed my credit file and noticed multiple charge-offs, late payments, and high-balance delinquencies associated with accounts I did not open or use. In reviewing the report, I confirmed that several accountsincluding credit card accounts and other financial productswere opened or used without my consent, resulting in fraudulent balances, charge-offs, and late payments. Some of the fraudulent accounts date back several years, with derogatory activity reported most heavily between XXXX. These fraudulent accounts include multiple credit card accounts with high past-due amounts, as well as auto-loanrelated derogatory marks that I did not authorize. Once I identified these issues, I filed an official FTC Identity Theft Report ( Report # XXXX ) documenting the affected accounts and confirming that the late payments, charge-offs, and derogatory activity were not mine. I also contacted the credit bureaus to dispute the fraudulent entries and requested blocks under the applicable identity-theft protections. Despite submitting these disputes, the information remains on my credit report and continues to cause harm. The fraudulent activity resulted in numerous inaccurate derogatory entries, including repeated late-payment notations, charge-off statuses, and large reported balances. These items do not belong to me, and I did not authorize any individual to open or use these accounts in my name. I have taken all steps required, including filing with the FTC, submitting disputes, and requesting corrections, but the companies involved either did not correct the information or continued reporting inaccurate data

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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I need to make an {$1500.00} international wire to XXXX XXXX from my checking account, but Citibank never allowed the transaction because they say my ATM PIN is incorrect. I was 100 % entering the correct ATM PIN because the PIN I entered is the XXXX that I has just changed to through their mobile app. Therefore, Citibank 's statement of my ATM PIN being incorrect is simply not true and unacceptable. How can I change my PIN, entered that new PIN, and still be wrong with the PIN? 

To solve this issue, I tried the chat with Citibank to see where's the problem- why Citibank keeps saying my PIN is wrong. The chat representative tells me to make a phone call to solve the issue, and the phone representative says " your account can not be serviced through the phone at this moment '' and pushes me back to the chat representative. What a loop! 

I have made like XXXX international calls to Citibank , only to be pushed back and forth. Nobody is able to even answer my questions clearly - why I can't make the wire. I got so frustrated by the difficulty making the transaction and being pushed back and forth by different Citibank departments. I found that my debit card was expired - maybe that was the issue. So I logged on to my account back again and requested a new debit card to see if I can make this transaction when I received and activated the new card. 

Here comes the interesting part. When I was trying to log back on to my account to see the progress of my new card issuance, all of a sudden my access to Citi XXXX and Citibank online is BLOCKED by Citibank, with the reason of " I have entered too many wrong password ''!!! I have entered XXXX wrong password, and so basically Citi blocked my access to Citi XXXX and Citibank online with no reason!!! This is so ridiculous and unacceptable as I was not in US and can never complete any transaction without the online access to my account. I spent a lot of time and money last month sending a notarized letter to the XXXX  client service center to activate my inactive account in order to make this {$1500.00} transaction, only to find that the transaction is denied and my access to online banking is blocked with virtually no reason.

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 2025-12-05 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:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

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 2025-12-05 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: TX

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

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 2025-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank charged multiple overdraft fees across several days in a way that did not match the real order or size of my transactions. My transaction history shows that TD rearranged posting order in a manner that increased the number of overdraft events. Many of the charges that triggered overdrafts were small card transactions under XXXX dollars. 

Once the account went slightly negative the bank continued to approve and post small card transactions instead of declining them. This created additional overdraft events on separate days. The fees totaled XXXX XXXX XXXX dollars, XXXX dollars, and XXXX XXXX XXXX dollars. Deposits that entered the account were applied immediately to these fees which kept the account negative longer than it should have been. 

A separate issue caused even greater financial harm. TD Bank allowed a XXXX loan payment to process this month even though the same payment was reversed last month as a bank error. When TD reversed it last month I was told the payment should not have been processed. This month the same type of payment was allowed without explanation. That action placed the loan into default and removed the XXXX interest promotional terms that were part of the agreement. The default raised the balance owed by adding interest and penalty amounts that would not have existed if TD Bank had handled the payment consistently. 

This inconsistent policy enforcement directly caused financial damage. TD Bank admitted the payment was a mistake last month yet allowed it this month under identical conditions. The loss of the XXXX interest promotional plan was not the result of my actions. It was the result of TD Bank allowing a payment that they had previously reversed as improper. 

When I contacted TD Bank I spent more than XXXX hours on the phone and spoke with XXXX representatives including XXXX supervisors. The first several representatives refused to address the overdraft issue or acknowledge the payment inconsistency. A later supervisor refunded XXXX XXXX XXXX dollars. Only after significant escalation were all overdraft fees returned. The reversals show that the bank recognized the fees were not justified. 

I am submitting this complaint because the posting order manipulation, the fee stacking, and the inconsistent handling of the XXXX loan payment created financial harm that would not have occurred under fair or consistent banking practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
FCRA 605 ( b ) DELETION DEMAND LETTER XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX Re : Demand for Deletion Under FCRA 605 ( b ) To Whom It May Concern, This letter is a formal notice requiring compliance with the Fair Credit Reporting Act, specifically FCRA 605 ( b ), regarding the reporting of delinquent accounts. 
I am disputing the reporting of the following account : Creditor or Collection Agency : Midland Credit Management Account Number : XXXX XXXXXXXX Under FCRA 605 ( b ), a furnisher or credit reporting agency can not legally report a delinquent account unless it has certified and documented the exact Date of First Delinquency ( DOFD ). 
The information currently being reported is inconsistent, unverifiable, missing DOFD documentation, or appears to have been re-aged. Because of this, the information is prohibited from being reported and must be deleted immediately. 
You are required to do the following : XXXX. Provide full documentation of the exact DOFD from the original creditor OR XXXX. Delete the account from my credit file because you can not certify the DOFD. 
Failure to remove unverifiable information constitutes : Willful non-compliance FCRA 616 Negligent non-compliance FCRA 617 Unauthorized reporting FCRA 605 ( b ) Violation of reasonable investigation requirements FCRA 611 ( a ) If you can not provide DOFD documentation within 30 days, you must delete this account and provide written confirmation. 
If the account remains without proper DOFD certification, I will pursue CFPB enforcement, FTC complaint, Attorney General complaint, and civil remedies under FCRA 616 and 617. 
Please confirm in writing : XXXX. The exact DOFD XXXX. The documents used to determine DOFD XXXX. Whether the information was verified, corrected, or deleted If you can not comply with FCRA 605 ( b ), you must remove the account entirely. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am reporting identity theft. Someone opened accounts in my name without my knowledge or permission. I became aware of this when I attempted to apply for an account and was informed that other accounts already existed under my information. I did not authorize these accounts or any activity associated with them. I am submitting this statement as part of my FTC Identity Theft Report

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 2025-12-05 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: MD

Complaint narrative:
The company listed below is reporting information that is inaccurate, incomplete, and/or unverifiable. I have attempted to resolve this directly with the furnisher and the credit bureaus, but the issue remains unresolved. 
Details of the Problem : incorrect information reported account is charged off Creditor/Company : XXXX XXXX XXXX XXXX Account Number ( Last XXXX Only ) : XXXX Problem Type : Incorrect reporting of a charge-off Explanation of Issue : The charge-off reporting contains XXXX or more of the following errors : Incorrect balance Incorrect dates ( delinquency, charge-off, last payment, etc. ) Status does not match the actual state of the account The account is paid/settled but still showing as charged off The creditor/collector failed to validate the debt when asked Information differs between the XXXX credit bureaus Reporting does not comply with the Fair Credit Reporting Act ( FCRA ) Why this violates the law : Under the FCRA ( Fair Credit Reporting Act ), furnishers of credit information must report data that is accurate, complete, and verifiable. They are also required to conduct a reasonable investigation when a consumer disputes information. 
The company has failed to provide proper validation and remove unverified data

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 2025-12-05 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: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
Theres a loan on my credit report from lobel financial that I dont recognize, I had submitted a dispute and I called the dealership to remove this from my credit report. It appears that someone from a small dealership that I bought a car XXXX  years ago stole my identity to buy cars cause his company name shows on the document that I got from the lobel financial dealership. I already did a police report and everything. The credit reporting of this loan is affecting my credit score. I do not own or recognize this loan. Its being investigated I want both credit bureau to stop updating or freeze the reports from that company cause it not mine Until its investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: OK

Complaint narrative:
I have reviewed my credit repoet and found these unverified items. Please remove, update or correct these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
Account # XXXX Account # XXXX In XX/XX/XXXX, I went to the ER for XXXX and excessive coughing. Upon my arrival, intake, and consultation with the doctor, I explained that I had first visited urgent care, where they advised me to go to the ER due to lightheadedness. I also informed the doctor that I had recently returned from XXXX and that my house had flooded upon my return, requiring mold remediation at my condo. 

However, the doctor 's notes only mentioned my recent overseas trip and included extensive notes about XXXX  if the XXXX  I was diagnosed with in XXXX, following my father 's unexpected passing, was the cause of my respiratory infection. Due to XXXX 's miscoding of my symptoms, the insurance company paid the claim at a lower tier. 

Later, while I was receiving iron infusion treatments, XXXX improperly handled my payments. The infusion center front desk assistant at XXXX XXXX XXXX XXXX routed payments intended for that treatment to the disputed claim from XX/XX/XXXX. This constitutes improper debt collection practice, as she acted as a debt collector for an unrelated charge and funneled the payment to the disputed outstanding balance. 

The payments collected on XX/XX/XXXX and XXXX, XXXX, which were applied to the XX/XX/XXXX debt, need to be correctly applied to the XX/XX/XXXX outstanding balance as originally intended.

Company response to consumer: Closed with explanation