vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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: DE

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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
Consumer complaint received 2025-09-22 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my 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 2025-09-22 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: NH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: NH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) 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 explanation
Consumer complaint received 2025-09-22 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: CA

Complaint narrative:
I was a customer of XXXXXXXX XXXX XXXX  for 5 years. During XXXX 2023, the bank 's app was having technical issues during my payment due dates and I was unable to make payment due to the bank app. While the bank corrected late fees, it refused to correct those payments as paid, and instead continues to report as paid late and delinquent. 
I have previously tried resolving this issue with the XXXX XXXX XXXX XXXXXXXX XXXX, as well as the Credit Bureaus. XXXX of the XXXX credit bureaus ( TransUnion and Equifax ) have not furnished proof as to why those accounts continue to show delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: NY

Complaint narrative:
I am a victim of identity theft. Fraudulent accounts have been opened and reported on my credit reports without my knowledge or authorization, including accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts are reported as derogatory, in collection, or charged-off, even though I never applied for these accounts, never received credit, and never authorized their use. 
This situation is severely impacting my personal and financial life. I want to buy a home for my family and start my own trucking business, but these fraudulent accounts and unauthorized inquiries are preventing me from achieving these goals. The stress from this situation is overwhelming and is disrupting my life. 

I request that these fraudulent accounts and unauthorized inquiries be blocked and removed immediately in accordance with federal law. Specifically : 15 U.S.C. 1681c-2 ( FCRA ) Requires consumer reporting agencies to block information resulting from identity theft immediately once a valid identity theft report is provided.

15 U.S.C. 1681i ( FCRA ) Requires investigation and removal of unverifiable or inaccurate information within 30 days. 
15 U.S.C. 1681e ( b ) ( FCRA ) Requires credit reports to be maintained with maximum possible accuracy.

15 U.S.C. 1681s-2 ( FCRA ) Prohibits data furnishers from reporting information they know is inaccurate. 
Because these accounts were opened fraudulently, I am requesting urgent action to remove them from my credit reports as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian 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 : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} 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 XXXX 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
Consumer complaint received 2025-09-22 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax 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  - Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: FL

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


3. Incorrect Employers :. My correct Employer is : XXXX XXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-09-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
Credit Collections put this account on my credit report from XXXX XXXX and have never had or sign up with them for insurance services for {$1700.00}. This letter is written on behalf of a XXXX individual and this account is also fraud. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). This account has been on my account and has given me undue stress and has jeopardize my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year>, I called Citi to close my Citi/AAdvantage Platinum Select World Elite Mastercard ( account ending in XXXX ). The representative told me I needed to pay the balance in full to close the account. I authorized the payoff and specifically asked whether anything else was required to remain in good standing. I was reassured that the balance had been paid in full, the account was now closed, and there was no further action I needed to take. 

On XX/XX/year>, I discovered that my credit score had dropped from XXXX to XXXX ( XXXX  ) due to a reported delinquency on a Citi account. I called Citi, and the representative confirmed that none of my accountsopen or closedwere delinquent. I was advised that the issue might be identity theft and to investigate further because all of my accounts were said to be in good standing. That same day, XX/XX/year>, I filed a dispute with TransUnion ( XXXX XXXX XXXX : XXXX ) stating that the delinquent account was not mine. I also submitted an FTC Identity Theft Report. 

Today, XX/XX/year>, I learned that the account reported as delinquent is in fact my Citi/AAdvantage Mastercard ending in XXXX, which I had closed in early XXXX. I received no prior notice from Citi about any issue with this account, nor was any delinquency identified when I spoke with Citi on XX/XX/XXXX. After calling Citi again today, I was informed of the following : XXXX. When Citi closed my account ending in XXXX, three pending charges were not included in the payoff. 
XXXX. Citi did not inform me that a balance would remain after closure due to those pending charges. 
XXXX. Because I was told the account was paid in full and closed, I was unaware of the residual balance, which has since accrued interest and late fees. 
XXXX. Citi did not timely identify or notify me that this specific account was being reported as delinquent, preventing me from addressing the problem sooner. 
XXXX. Today, a representative in Billing Disputes ( XXXX XXXX. ) stated that a credit dispute was submitted to the credit bureau to correct the reporting and restore my credit. However, when I requested a case ID and a copy of the dispute, she said she could not provide them. 
As a result of Citis handling of this matter, my TransUnion score remains XXXX at a critical time when I needed strong credit to apply for a loan. In many years of credit history, I have never been reported delinquent and have consistently met my obligations. At this point, I am unsure whether I can rely on Citi to fully correct the error and reverse the damage. I am seeking guidance on additional steps I can take to restore my credit to 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 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
So on XX/XX/XXXX as I was working I see that both my checking and my savings acccount was closed I didnt give anybody authority to move my money or to close any accounts I have put in multiple disputes and I keep getting denied becsuse apparently for chime they dont see an issue it was for XXXX XXXX  or so I have showed them screenshots of my accounts being closed and also my money being moved to somewhere else I did tell them if I have to file a small lawsuit claim that I willl if they dont give my money back I have been going back and fourth with them for weeks now and I just want my money I worked hard for that money and for them saying they dont see anything wrong with that is just wrong this wouldnt be the first time I have to dispute other transactions I had to order new cards a lot as welll just please help me Im out of options I have went to the sheriffs office and pressed charges on the phone number where they transferred my money too

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch Sturm LLP
State: WI

Complaint narrative:
I received a letter from Rausch Sturm LLP on XX/XX/XXXX that was dated XX/XX/XXXX " Notice of Right To Cure Default ''. The letter states I must cure the default on or before XX/XX/XXXX. This essentially gives me 2 business days to resolve this.

Had their letter been mailed the day it was actually dated ( XX/XX/XXXX ) I could have set up a payment plan for XX/XX/XXXX. They are are only 15 minutes away from me. It would not have taken more than two days for me to receive their letter. I could have budgeted this in to that pay check.

I get paid every two weeks. 

I tried going on their website to set up a payment plan, but it will not allow me to set my first payment date to Friday XX/XX/XXXX ( when I get paid next ). 

I have called XXXX XXXX SEVERAL times, and have left SEVERAL voicemails since receiving the letter on the evening of XX/XX/XXXX. I have sent two messages via their portal ( website ) on XX/XX/XXXX and XX/XX/XXXX. I finally received a voicemail to today from a XXXX XXXX at XXXX XXXX telling me to call XXXX ext XXXX. I immediately returned her call, and there isn't a prompt to enter an extension. I left more voicemails. 

No one answers their phones. I emailed ALL of the emails : XXXX, XXXX, XXXX ( this one was given in the answering service prompting you to leave a voicemail ). I get no response.

They make it absolutely impossible to contact them to resolve the debt.

I understand that maybe there are people out there that do not care to resolve their financial situation. However, there are people like me that got into this situation due to extenuating circumstances that DO want to resolve their financial situation!

The letter I received does NOT provide much details about my debt as the usual letters I have received from other debt attorneys. It only states the creditor, amount owed, and when last payment was received. Though, I do acknowledge that this is my debt and I would like to resolve it. I believe more information is supposed to be provided. It does not seem that they are following best practices.

I can't resolve this if no one returns my calls or emails, and they are impossible to get a hold of. It also makes it extremely difficult when I am only getting essentially 2 business days to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I would like to request the removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: NM

Complaint narrative:
NMSL misinformed me about consolidation, which caused me to lose over 15 years of repayment credit a serious servicing error with lasting financial consequences. When I filed a CFPB complaint ( # XXXX ), NMSL failed to respond within the required timeframe, which is itself a procedural failure. Since then, I have also determined that NMSLs loan accountings are incomplete and unverifiable, with unexplained capitalization entries and insufficient documentation in response to my first certified demand letter of XX/XX/year>. They have not yet produced the promissory notes or other supporting documentation I recently requested in my second demand, which are necessary to verify the accuracy of reported balances. These issues demonstrate a broader pattern of inadequate servicing, incomplete recordkeeping, and failure to meet borrower disclosure obligations. Attached are ( 1 ) a screenshot of the CFPB complaint portal showing no company response as of XXXX on XX/XX/year>, ( XXXX ) my most recent certified Records Demand Letter to NMSL XXXX and ( XXXX ) XXXX representative pages from XXXX XXXX spreadsheet response dated XX/XX/year>, which illustrate unexplained capitalization entries and interest postings without sufficient detail.

Company response to consumer: Untimely response