vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing fraudulent accounts that were wrongfully included in my credit report. These accounts do not belong to me, and I have never authorized or maintained them. Their inclusion is false, misleading, and in direct conflict with the requirement to report only accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: OH

Complaint narrative:
I am submitting this statement in reference to multiple derogatory accounts that appear on my credit report. I respectfully request a thorough investigation and verification of these accounts under the Fair Credit Reporting Act ( FCRA ). 

I believe that the following accounts are inaccurate, outdated, or reported in error. These derogatory entries are negatively impacting my creditworthiness, and I have reason to believe that some or all may not be reporting in compliance with federal regulations. The details of the accounts in question are as follows : XXXX XXXX ( Original Creditor : XXXX TXXXX XXXX XXXX XXXX ) XXXX {$260.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX {$2100.00} XXXX XXXX {$2400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$3700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
I am writing to formally submit a complaint regarding an issue with my Zelle account linked to my XXXX XXXX account. On XX/XX/year>, I received an email from XXXX XXXX  notifying me that I could no longer use Zelle. 

After receiving this notice, I contacted XXXX XXXX  for clarification, but was provided conflicting information with no resolution. XXXX XXXX  informed me that I needed to contact Zelle directly, as it is considered a third-party service. I then reached out to Early Warning Services, the operator of Zelle, and was told the following : All payment records regarding your profile and payments made using Zelle within your mobile banking application are maintained by your bank or XXXX XXXX. We recommend contacting them directly as they can best assist you with any questions or inquiries related to your account. 

When I returned to XXXX XXXX  with this information, I was again told to contact Zelle. In effect, I have been placed in a frustrating cycle between XXXX XXXX  and Zelle, with each party deferring responsibility to the other and neither providing a clear resolution. 

I am seeking clarification as to why my Zelle access was revoked and whether corrective action can be taken. I respectfully request the CFPBs assistance in investigating this matter and in ensuring that financial institutions provide consumers with accurate, consistent, and transparent information regarding account restrictions. 

Please let me know if you require any further information or documentation. Thank you for your time and assistance. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am submitting a formal request for the removal of this inaccurate account from my credit report, as I never authorized its creation or use. Enclosed are the supporting documents to validate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: NY

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ref : Account XXXX Experian has failed to do their job per the law This account was allegedly opened online, without any in-person verification or legally binding signature. As such, they are the result of identity theft and are not legally attributable to me.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( Section 605B ), you are required to block identity theft-related information upon receipt of a proper identity theft report, and reinserted information may only be restored under very limited, legally permissible circumstances.

1. This account was allegedly opened online, without any in-person verification or legally binding signature. The fact that my pertinent information was successfully used does not serve as substantial legal evidence that I was the one who applied.

2. You have produced any documentation, no admissible evidence proving that I personally applied for, authorized, or opened this account.

3. Federal law does not allow the continued reporting of information based solely on your opinion or belief that I am responsible. Without definitive evidence, you can not lawfully associate this account with me.

Therefore, pursuant to 15 U.S.C. 1681c-2, I demand that you : * Immediately and permanently delete all identity theft-related accounts from my consumer credit file.

* Block the re-reporting of these accounts by any furnisher.

* Provide me written confirmation that these accounts have been deleted and blocked in accordance with federal law Ensure that these accounts are never reinserted unless proper verification under the FCRA is provided, including irrefutable and sufficient documentation proving that the accounts were legally opened and authorized by me like in-person verification or legally binding wet signature.

Please be advised that if any of these accounts are reinserted under circumstances outside of lawful FCRA requirements, I will seek monetary compensation for willful noncompliance under 15 U.S.C. 1681n, including actual, statutory, and punitive damages, as well as attorneys fees.

I expect written confirmation that the accounts have been blocked permanently and instructions will be followed to prevent reinsertion I have included a selfie holding my id and all past letters sent and documents as well as police report and ftc identity theft report to show the account was blocked and reinserted without documentation to refute the theft claims with this account opened online in XXXX  which is becoming easier and easier.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC
State: SC

Complaint narrative:
XXXX purchased a loan of mine from XXXX. XXXX XXXX used the internet ( possibly paid ) to gather information about my relatives that weren't furnished as part of my original loan application. One of those relatives is my XXXX year old mother, with who I haven't lived full time in almost 30 years. XXXX XXXX has more than once called my mother using an aggressive tone claiming she is looking for me. According to the FDCPA, that's in violation. She's trying to strong arm a widowed, senior citizen to find me ; and since XXXX purchased this account, they're being too aggressive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: OH

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).
And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Negligence of this law within the FCRA activates your company to be liable for damages sited in 15 USC 1681n and 15 USC 1681o. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$39000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A - i have the RIGHT TO PRIVACY.

15 U.S.C 1681 Section 604 A section 2 - a consumer credit reporting agency can not furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S. Code 1681c2- 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 by such agency of I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, these fraudulent account ( s ) in which i never gave written instructions to anyone to open or report in my name, has violated my rights. 

Negligence and Willful Non-compliance. 
I am prepared to SUE all parties involved. In Federal court. All Actual, Statutory and Punitive damages will be enforced. * Up to but not limited to {$1000.00} usd per month per illegal 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 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
In XXXX I had discontinued my monthly billpay through my bank ( citizens ) to XXXX XXXX  for my car note of $ 900 monthly. On XX/XX/year> much to my frustration Citizen still paid XXXX XXXX  in the sum of {$900.00}. I DID NOT AUTHORIZED FOR THE {$900.00} TO BE DEBITED FROM MY CHECKING ACCOUNT. 
I found this when paying bills on XX/XX/year> & called and filed a dispute- the dispute number is XXXX XXXXXXXX, I spoke with XXXX on XX/XX/year> for XXXX minutes. 
Only to find out when I called on XX/XX/year> & spoke with XXXX for XXXX minutes because the claim- that I even had a number for did not exist. So she " filed another claim for me, '' This claim number is XXXX. 
Today XX/XX/year> I checked on my mobile app to see the status of the claim I had filed the night before & I have a screen shot showing " Claim withdrawn, '' so when I called Citizen 's customer service I asked what " claim withdrawn '' means- the gentleman stated " that means you withdrew the claim. '' I DID NOT WITHDRAWL ANY CLAIMS ... and when the customer service agent looked up ANY of the claim numbers I had they could not be found. I was waiting on hold for XXXX minutes for a supervisor when the call disconnected. I need this money, {$900.00} more than my week 's salary. Please help, I was offered no provisional credit- even though it is Citizen 's error in paying an unauthorized autopay & then all of the fraudulent case numbers and now a claim that was withdrawn that i did not authorize

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: LA

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of late payments on my credit account, which I have identified on my consumer credit report. These entries are not only erroneous but appear to have been reported without proper verification, in violation of your obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ).

Under this statute, furnishers of information to consumer reporting agencies are legally required to ensure the accuracy and integrity of the data they report. The law explicitly prohibits the reporting of information that is known to be inaccurate or that has not been properly verified after a consumer has provided notice of the error I have reason to believe that the reported late payments are incorrect and have not been substantiated through reasonable procedures. Therefore, I am requesting the immediate removal of these negative items from my credit report. Please consider this communication as formal notice of dispute under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) and ( a ) ( 2 ), which obligates you to correct and update any incomplete or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit 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 non-monetary relief
Consumer complaint received 2025-09-05 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation