vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: IL

Complaint narrative:
The accounts listed below were fraudulently opened and are the result of identity theft. I have submitted the necessary documentation, including my FTC Identity Theft Report and supporting evidence, to both the credit reporting agencies and the data furnishers. To date, neither party has provided any signed agreements, authorization, or proof of account ownership. This failure to act violates the Fair Credit Reporting Act, and I am demanding immediate removal of these fraudulent accounts from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance Owed : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} US DEPT ED XXXX XXXX XXXX Balance Owed : {$0.00} US DEPT ED XXXXXXXX XXXX XXXX  Balance Owed : {$0.00} XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} XXXX XXXXXX/XX/year>

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 2025-07-17 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: IL

Complaint narrative:
The accounts listed below were fraudulently opened and are the result of identity theft. I have submitted the necessary documentation, including my FTC Identity Theft Report and supporting evidence, to both the credit reporting agencies and the data furnishers. To date, neither party has provided any signed agreements, authorization, or proof of account ownership. This failure to act violates the Fair Credit Reporting Act, and I am demanding immediate removal of these fraudulent accounts from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance Owed : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} US DEPT ED XXXX XXXX XXXX Balance Owed : {$0.00} US DEPT ED XXXXXXXX XXXX XXXX  Balance Owed : {$0.00} XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion

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 2025-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
I had labs ran under insurance. One time. I am receiving two bills for one test. I contacted the doctors, they had told me that I did not have a debit. It was fully covered. They said that as well of full coverage in person. So twice rold I a had full coverage. Now it's two separate bills as well. Then the office had even changed and the way the paper is being printedchanged too. I said to myself, look how fake this even looks. I got bills years apart. I moved out of Alabama and the bills seemed to have stopped. I just moved back, and it like they know I am here. The third party isn't even in this state. It moved from XXXX to XXXX. I do not feel comfortable giving anyone my SSN. It shouldn't be asked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im sending this complain to request removal of negative items from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-07-17 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: TX

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. 

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
This letter is a formal follow-up to my previous correspondence regarding the fraudulent accounts that appeared on my credit report ( see attachment ) due to identity theft. Despite my earlier dispute on XX/XX/year>, and in clear violation of the fair credit reporting act ( FCRA ) you have failed to remove the inaccurate information from my credit report. This letter serves as an official reminder that I am a victim of identity theft, and I have NO responsibility for the fraudulent accounts ( referenced attachments ). Despite providing all necessary documentation, including an FTC identity theft Affidavit, your agency has chosen to ignore its legal obligations under the FCRA, which requires you to thoroughly investigate disputed claims and remove any inaccurate information from my credit report. As required under section 611 of the FCRA, you are mandated to immediately remove all inaccurate information related to the fraudulent accounts, send me written confirmation that fraudulent items have been removed and cease reporting these fraudulent items to any third- party entities including creditors and collection agencies.

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 2025-07-17 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: PA

Complaint narrative:
This letter is a formal follow-up to my previous correspondence regarding the fraudulent accounts that appeared on my credit report ( see attachment ) due to identity theft. Despite my earlier dispute on XX/XX/year>, and in clear violation of the fair credit reporting act ( FCRA ) you have failed to remove the inaccurate information from my credit report. This letter serves as an official reminder that I am a victim of identity theft, and I have NO responsibility for the fraudulent accounts ( referenced attachments ). Despite providing all necessary documentation, including an FTC identity theft Affidavit, your agency has chosen to ignore its legal obligations under the FCRA, which requires you to thoroughly investigate disputed claims and remove any inaccurate information from my credit report. As required under section 611 of the FCRA, you are mandated to immediately remove all inaccurate information related to the fraudulent accounts, send me written confirmation that fraudulent items have been removed and cease reporting these fraudulent items to any third- party entities including creditors and collection agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
Im filing a complaint against Ally Financial regarding a violation of my privacy and communication preferences. I clearly instructed Ally to only contact me directly regarding my auto loan and not to communicate with my parents or any third parties. Despite this, Ally contacted my parents, shared sensitive details about my loan and vehicle situation, and used information they obtained from my parents ( such as my workplace and license plate ) without my consent.

This has led to significant personal stress and a breakdown of privacy. I never authorized Ally to disclose any financial information to them, and I do not have any co-signers or authorized third-party contacts on the account.

I am requesting that Ally immediately cease all communication with third parties regarding my account, formally acknowledge the privacy breach, and confirm in writing that my contact preferences have been updated to reflect that I am the only authorized contact.

Please investigate this matter and ensure that Ally Financial is held accountable for violating communication standards outlined in the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX -- {$10000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/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 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
Eviction While I Was In The Hospital in another for 63 Days. Credit Card, Medical bills, Also car Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: DE

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America sent me a check in the mail to an old mailboxes XXXX for the amount of money I had left in the account. The letter with the check stated they closed my account due to Fraud. I went into a branch and asked them what happened. The person gave me a number to reach out to. I called and they basically said they closed it because of fraud and theres nothing I can do about it. I never got any alerts of fraud and was barely using the account. I requested a new card maybe a year before and never received the card. There is no amount that was ever owed to them and my account was in good standing. This was in XXXX and I have been denied by every bank because of this situation.

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 monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.

Complaint narrative:
XXXX  am a U.S. citizen and long-time Citibank customer (Acct XXXX) since XXXX. I currently reside abroad in XXXX. In XXXX XXXX, I visited Citibank branches in XXXX XXXX to restore access to my checking account, which had become dormant due to a closed U.S. phone number and expired P.O. Box.XXXX provided full in-person identification (passport, SSN, old debit cards), updated my contact info, and received a new debit cardyet all my card transactions were declined. I also attempted multiple international transfers to my XXXX  XXXX  account with the help of in-branch personal bankers (Reference XXXX XXXX and XXXX), all of which were blocked by the Citi XXXX  XXXXDespite being physically present in a Citi branch and passing all available verification procedures, my account was blocked and remains frozen. No formal explanation or confirmation has been sent to date, and the bank refused to expedite a required verification letter to my U.S. mailing address. I returned to XXXX  without access to my funds, experiencing significant financial hardshipXXXXI request immediate action to (1) unfreeze my account, (2) allow me to transfer funds to my XXXX  XXXX  account, and (3) provide formal explanation and compensation for the disruption, blocked card, and failed transfers (4) close the accountXXXX XXXX XXXX XXXX XXXXFormer U.S. Phone (linked to account): XXXXCurrent XXXX  Phone number (linked to accountXXXX XXXX XXXX XXXX XXXXCurrent address: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: MS

Complaint narrative:
Dear TransUnion Dispute Department, This letter is a formal demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ), for the immediate deletion of the above-referenced account from my credit file. This account is inaccurate, outdated, and incomplete, and your continued reporting of it violates my rights under federal law. 

The account in question was reported as Paid in Full/ Was a Charge-Off, but also marked Settled for less than full balance. These statements are inherently contradictory and legally misleading. The FCRA requires that all information furnished to a consumer reporting agency be complete and accurate [ 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) ]. Inconsistent payment status and remarks indicate fundamental inaccuracy and ambiguity in how this item is reported.

Additionally, you are required by 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) to reinvestigate any disputed information within 30 days. You may not simply verify the information with the furnisher you must conduct an independent and reasonable reinvestigation. If the data can not be verified in full accordance with the law, it must be deleted immediately. 

I am also disputing this account on the basis that it is : Unverifiable ( the original creditor has provided conflicting resolution terms ) Incomplete ( missing details of exact settlement terms and final balance ) Misleading ( can not be both paid in full and settled for less than owed ) If you are unable to provide documentation from the original creditor that proves the full accuracy and completeness of every data point reported ( not merely parroting automated response codes ), you are legally obligated to remove this tradeline under FCRA 1681i ( a ) ( 5 ) ( A ).

Please note, failure to comply will result in formal complaints to the CFPB, Mississippi Attorney General, and possible legal action under FCRA 1681n and 1681o for willful and/or negligent noncompliance. 

Demand : Permanent deletion of this account within 30 days. 

Please mail your written results of your reinvestigation to the address listed above. A copy of my government-issued ID and proof of address is enclosed for identity verification. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: IL

Complaint narrative:
I am filing this complaint to dispute inaccurate information reported by Experian on my credit report. An account from XXXX XXXX XXXX ( Account # XXXX ) is currently showing a charged-off status with a balance of {$15000.00}, which is negatively impacting my credit. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unverifiable information. This account was charged off, yet it continues to update with a past-due balance, which is both misleading and potentially a violation of XXXX XXXX XXXX XXXX ( b ) Duty of furnishers of information to provide accurate and complete data. 

I previously attempted to dispute this directly with Experian, but the account was not removed or properly verified. I am requesting that the CFPB intervene and that Experian be required to : Provide documented proof of the debt and charge-off validation, Remove the account from my credit report if it can not be verified accurately, Cease further reporting if the account is not being updated correctly and remains inaccurate. 

This issue is causing financial hardship and preventing me from obtaining housing and credit. I request this account be investigated thoroughly and permanently deleted from my credit report if Experian or the furnisher can not meet the FCRA requirements.

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 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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