vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/year> I received an email from Truist saying my online account access was locked due to too many failed log in attempts. This is untrue. I am the only person who knows my username ( besides Truist employees ). So, unless it was a Truist employee being nefarious, the reality is they wanted me to change my password and hid it by lying to their client. 

It would be so much easier, as well, if your people who answer your phone actually LISTENED to what a client has to say. I spoke with XXXX of your people and had to tell both of them to actually LISTEN to me so that they understood the problem. I actually had to tell your 'customer service ' ( what a joke ) people to LISTEN TO MY WORDS. How simple of a concept is it that customer service has to listen to the customer in order to solve a problem. I learnt listening skills at XXXX XXXX XXXX. Do you have XXXX XXXX XXXX working for you? This whole experience was horrible, and it was all because of Truist 's stupidity .. and it could have been so much easier if you people LISTENED. It's SIMPLE... 

So ; because Truist claims that 'someone ' tried to access my online account and since I know FOR A FACT that the only people who know my username are me AND Truist employees. I request an investigation into the Truist employees who have access to my username. That is, unfortunately, the only way to find the culprit that Truist alleges attempted fraud against 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 2025-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this dispute to address fraudulent accounts listed on my credit report. These accounts are false, unauthorized, and do not represent any financial activity connected to me. Their presence is not only inaccurate but also harmful to my personal integrity and financial stability. Such reporting is unjust and must be corrected immediately.

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 2025-09-15 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete. Specifically, I would like to draw your attention to 15 U.S.C. 1666b, which mandates that creditors must provide accurate information to credit reporting agencies.This law ensures that any reported late payments must be verified and substantiated with appropriate documentation. Furthermore In accordance with the law, my rights have been violated. Late payment reports to consumer report is illegal. In 15 U.S. Code 1681a : Definitions and Rules of Construction ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: PA

Complaint narrative:
I am writing to formally dispute certain accounts appearing on my credit file that do not belong to me. These accounts are the result of identity theft and must be removed and blocked from my credit report.

Pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, a consumer reporting agency is required to block the reporting of information resulting from identity theft within 4 business days of receipt of : 1. Proof of the consumers identity, 2. A copy of an identity theft report, 3. The identification of the fraudulent information, and 4. A statement that the information does not relate to the consumer.

Enclosed you will find : A copy of my government-issued identification, A copy of my identity theft report, A list of the fraudulent accounts that should be removed and blocked. 

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 Please remove and block these accounts from my credit file immediately as required by law. I expect written confirmation once this has been completed.

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 2025-09-15 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: TX

Complaint narrative:
I was inform that my personal information was compromised in a XXXX and EquiFax data breach and I notice i have some unfamiliar accounts on my credit profile. Also according to section 605b, it is ilegal to report any personal information on my credit profile without consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: FL

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX XXXXXXXX - XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported.

I have made multiple attempts to contact EQUIFAX to report this issue, but I have not received a clear or satisfactory resolution.

I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family.

Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response.

I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
Re : FCRA/Reg V dispute & demand for independent reinvestigation multiple tradelines Equifax must ensure maximum possible accuracy ( FCRA 607 ( b ) ) and conduct an independent reinvestigation under 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ) ). Codes are not proof. Cushman v. TransUnion, 115 F.3d 220. Apply Metro 2 XXXX XXXX  during reinvestigation.

I dispute the following Equifax-reported items and every late month you coded for each. For each alleged late, provide running statements/ledger ( due date, receipt, posting ). If you can not verify to that standard, delete the derogatory data or the entire tradeline. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) o Inaccuracy : Late-month mismatch across bureaus. Equifax shows XXXX lates in XX/XX/XXXX and XXXX XXXX ; TU shows different months. 
o All late months disputed : XX/XX/XXXX ; XXXX XXXX ( and any others you coded ). 
XXXX Metro 2 : Correct XXXX  month codes ; Payment Rating ; Account Status ; Date of Account Info XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Inaccuracy : You show Charge-off with Past Due {$10000.00}. On a CO, Past Due must be {$0.00} ; furnish XXXX. 
o All late months disputed : every month you coded XXXX in the two-year grid ( including months you label CO ). 
o Law/Metro 2 : 623 ( a ) ( 5 ) ; Reg V 1022.42 ; fix Amount Past Due = {$0.00} ( CO ) ; furnish DOFD ; align Status/Payment Rating/XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Inaccuracy : Pay status still shows Charge-off on a {$0.00} balance paid/settled account ( comments : PAID CHARGE OFF / SETTLEMENT ACCEPTED ). Current pay status should be Paid/Closed ; the CO, XXXX any, belongs only in historical PHP/Payment Rating with a fixed DOFD. 
o All late months disputed : any months you coded XXXXate/CO. 
o Metro 2 : Set Account Status = Paid/Closed ; confine CO to historical PHP/Payment Rating ; furnish DOFD ; Date of Account Info ; XXXX 
XXXX. XXXXXXXX XXXX XXXX XXXXXXXX | Revolving | closed ) o Note : You show current Pays as agreed and consistent history through XX/XX/XXXX. If any derog months exist in your internal file, each such month is disputed and must be verified with ledger or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
Carrington Mortgage recently took over the serving of my mortgage. My first contact over the phone which I initiated after receiving a voice message from someone representing the mortgage company. I asked for reason of the call they did not know. I asked if I could make my payment they could not help me. They stated they did not have my account details from the previous servicer. A few days later I received a bill containing {$750.00} in fees relating to my bankruptcy which was discharged on or around XX/XX/year>. I paid my mortgage myself during the bankruptcy, it was not paid through the plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: MD

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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  INQUIERES 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
CREDIT COLL AND XXXX XXXXis falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL AND XXXX XXXXis a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have a debt in collections that my ex girlfriend got under my information and linked our joint bank account at the time. When she left me, she cleaned out our joint account and closed it. Wasnt aware of this until recently when i started paying off the debts that I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
In XX/XX/XXXX, I discovered multiple fraudulent accounts appearing on my TransUnion credit report, which are the result of identity theft. I never authorized the use of my personal information for any of these accounts, nor did I provide consent to open them. These accounts were created without my knowledge or permission, and I have filed an FTC Identity Theft Report to document this crime. I also submitted supporting documents including my government-issued ID and proof of address. 

The following accounts are fraudulent and unauthorized : XXXX XXXX ( Account ending in XXXX ) This account is reported as charged off with a balance of {$2700.00}. Although the date of first delinquency was in XXXX, the furnisher updated the tradeline in XX/XX/XXXX despite no legitimate activity. This appears to be an unlawful attempt to re-age the account, in direct violation of FCRA 605 ( a ) and 623 ( a ) ( 5 ). 

XXXX XXXX  ( Account ending in XXXX ) This account is also reported as charged off with a {$120.00} balance and a XXXX  in XXXX, but it continues to update as of XXXX. This is another impermissible instance of re-aging under the FCRA. 

XXXX XXXX ( Collection account ending in XXXX ) I have never initiated service with XXXX, signed any agreement, or authorized the use of my identity. As required by FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ), no valid documentation has been provided to verify this account, and therefore it must be removed. 

Despite sending certified disputes along with my FTC report and ID, these accounts remain on my credit file. Their continued furnishing violates FCRA 605B ( a ) ( 1 ), 611, and 1681 ( a ) ( 4 ), and represents an ongoing breach of my privacy and rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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:
In XX/XX/XXXX, I discovered multiple fraudulent accounts appearing on my TransUnion credit report, which are the result of identity theft. I never authorized the use of my personal information for any of these accounts, nor did I provide consent to open them. These accounts were created without my knowledge or permission, and I have filed an FTC Identity Theft Report to document this crime. I also submitted supporting documents including my government-issued ID and proof of address. 

The following accounts are fraudulent and unauthorized : XXXX XXXX ( Account ending in XXXX ) This account is reported as charged off with a balance of {$2700.00}. Although the date of first delinquency was in XXXX, the furnisher updated the tradeline in XX/XX/XXXX despite no legitimate activity. This appears to be an unlawful attempt to re-age the account, in direct violation of FCRA 605 ( a ) and 623 ( a ) ( 5 ). 

XXXX XXXX  ( Account ending in XXXX ) This account is also reported as charged off with a {$120.00} balance and a XXXX  in XXXX, but it continues to update as of XXXX. This is another impermissible instance of re-aging under the FCRA. 

XXXX XXXX ( Collection account ending in XXXX ) I have never initiated service with XXXX, signed any agreement, or authorized the use of my identity. As required by FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ), no valid documentation has been provided to verify this account, and therefore it must be removed. 

Despite sending certified disputes along with my FTC report and ID, these accounts remain on my credit file. Their continued furnishing violates FCRA 605B ( a ) ( 1 ), 611, and 1681 ( a ) ( 4 ), and represents an ongoing breach of my privacy and rights as a consumer.

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 2025-09-15 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
A fraudulent American Express account was opened in my name on XX/XX/year>. I did not open or authorize this account. A late payment was incorrectly reported in XX/XX/year> to all three major credit bureaus : XXXX XXXX XXXX XXXX. This account and its negative payment history are not mine and are damaging my credit report. I am requesting that the account be removed and my credit records corrected to reflect that I am not responsible for this activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: IL

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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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