vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: CA

Complaint narrative:
Per federal code USC 1681g, remove these inaccurate credit listings within 15 days.

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 2025-08-14 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:
Remove these accounts I do not recognize within 15 days, as required by USC 1681g.

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 2025-08-14 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: AL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/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, 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 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions Bank On XXXX, I had transactions that caused my account to be negative. Regions message said, I had until XX/XX/XXXXXXXX XXXX XXXXXXXX to make my account positive. On XX/XX/XXXX, I deposited {$100.00} making my account positive. Positive... 

However, on XX/XX/XXXX, I had a check for {$75.00} that cleared and made my account negative again. Regions message again, said I had until XX/XX/XXXXXXXX XXXX XXXX to update my account. On XX/XX/XXXX I deposited {$80.00} to make my account positive. 

On XX/XX/XXXX, I received an overdraft fee and after talking to customer service, it was due to me not clearing up my negative balance by the XX/XX/XXXX. 

It appears the {$75.00} check clearing on XX/XX/XXXX and my deposit on XX/XX/XXXX was combined which made my account still negative on Regions bank computers, but that is not what is displayed to me when I look at online banking. 

Regions Bank overdraft is misleading to charge you additional and not want to refund 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 explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I do not have a contractual agreement with Midland Credit Management, a company owned by Encore Capital Group Inc. Midland Credit Management has a documented history of targeting individuals by damaging credit scores before confirming the validity of the debts they acquire. I did not authorize Midland Credit Management, Encore Capital Group Inc., XXXX XXXX XXXX XXXX to utilize my private and personal information for their financial gain or profit-driven motives. This illegal practice has cause me and my family financial hardships, emotional and marital distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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:
I request deletion of these incorrectly reported accounts within 15 days in accordance with USC 1681g.

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 2025-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phillips & Cohen Associates, Ltd.
State: OK

Complaint narrative:
The company XXXX XXXX XXXX XXXX never responded. They continue to harass me and my family members with aggressive phone calls. We have already confirmed we have no liability for our mother 's debts through legal counsel. The company has called me personally at least XXXX times since, the last being today, from XXXX, by autodialer. I have never done business with them, never solicited business with them, and I and on the National Do Not Call list. I told them to stop calling me or any member of my family before this most recent XXXX calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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:
Ive always been punctual with payments ; this seems wrong.

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 2025-08-14 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: LA

Complaint narrative:
This is a formal dispute regarding a late payment entry on my credit report. The entry in question is inaccurate, as my payment records indicate that every payment has been made on or before the due date. This false reporting is not only misleading but is also unfairly impacting my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
The lease was charged off on XX/XX/XXXX, however the account was updated by unknown reason by XXXX on XX/XX/XXXX. The account is over 7 years old from the charged off date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: MD

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: NC

Complaint narrative:
I am a victim of identity theft, someone has used my personal information to open up these loans. My personal information is very close to me. Ive never gave anyone permission or authorization to open these accounts without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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 a victim of identity theft, someone has used my personal information to open up these loans. My personal information is very close to me. Ive never gave anyone permission or authorization to open these accounts without my consent

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 2025-08-14 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: AZ

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 XXXX 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 - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, 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, 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 2025-08-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
I have paid off my car since XXXX. I never received a paper title. I moved from XXXX XXXX XXXX  and I was in VA  until XX/XX/XXXX. Then I moved to XXXX, I could not register my vehicle because Virginia could not release an official copy of my title, because Honda Corporate has an electronic lien on my title.

I have been trying for the past 3-4 months to get that electronic lien off. Honda still does not release it electronically.

Honda Corporate keeps stating it is the GA state dealership 's fault and there are 'issues ' on the title, but that has been corrected since XXXX from my understanding yet they still say the same thing and if there were other corrections needed, then 3 months should be plenty of time to correct. Either way, Honda Corporate has had 3 years to correct and I just found out because I moved and had issues getting the actual title ( I paid off my loan in VA and why I did not have an issue ). 

Honda Corporate keeps saying that it is not their fault ( but it is since they have the electronic lien ) and that next week they will have news and to call back x days, etc. The GA dealership has tried to correct this issue and move it along on my behalf, and they have been the most helpful, but even they can't get Honda Corporate to release my electronic lien.

I have spoken to Virginia DMV, and they said all Honda has to do it release it through the ETL system, and they provided me the code to release, which I also gave to Honda corporate because 'they were waiting for Virginia for the code ' ( they also keep saying this, but yet I can easily get the code ). 

I have not been able to use my car since moving to XXXX because I can't register it without my title, which I never received. Again, I can't use a vehicle that I have paid for since XXXX, and Honda Corporate is not fixing the problem/releasing the electronic lien.

Honda Corporate passes off fault to others ( Virginia or GA dealership ) and does not hold themselves accountable when they are the ones that have the electronic lien hold. They are also slow to respond, do not call back when I request it, slow to follow up with VA and actually get things going.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Transunion 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Transunion to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Transunion responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Transunion for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran XXXX XXXX XXXX XXXX this experience has been extremely stressful XXXX XXXXXXXX XXXX. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Transunions refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future.

I respectfully request that the CFPB take immediate action to ensure Transunion fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Transunion be held accountable for the injury and distress they have caused.

I am attaching supporting documents, including copies of my dispute submission and Transunions stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent 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 explanation
Consumer complaint received 2025-08-14 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received a text from Citibank asking if I recognized a {$28.00} charge. I responded with a " N '' which started a chain reaction on Citibanks part to cancel my card and reissue another one. I did not ask for that, they did not notify me and I only realized when the card was declined the next day. I have since telephone Citibank immediately upon knowing this that 7 other charges were NOT disputed and they have yet to resend the money to my vendors. This has resulted in job shut downs, damaged relationships with companies and I have called at least 30 times to Citibank to get the problem resolved. I have repaid the vendors and I am out over {$12000.00} becuase of Citibank 's problem not to mention the amount of relationships that have been damaged. I will be filing an action in Civil court as well as notifying the press of Citibank 's theft of my money

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 2025-08-14 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: GA

Complaint narrative:
I have no knowledge or consent of this fraudulent accounts and hard inquiries its result of identity theft. XXXX XXXXXXXX XXXX XXXX Account # XXXX. Original Amount {$15000.00} New Amount Between $ XXXX Open XX/XX/XXXX XXXX XXXX XXXX XXXX Account XXXX Original Amount {$45000.00} New Amount {$46000.00} Open XX/XX/XXXX. XXXX XXXX XXXX Account # XXXX Amount {$1000.00} Open XX/XX/XXXX. 


Ive attached a XXXX XXXX Police Report and FTC Identify Theft Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Unauthorized access to my credit report by multiple companies has caused direct and measurable harm to my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honoredthese inquiries remain on my report. This continued inaction is unacceptable. The ongoing presence of these potentially fraudulent entries is a serious breach, strongly indicating possible identity theft, and is inflicting ongoing emotional and financial harm.

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 2025-08-14 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:
This letter is a direct dispute of a fraudulent account currently appearing on my credit report. I have no connection to this account and did not authorize its creation or reporting. Its presence is inaccurate, misleading, and harmful to my creditworthiness.

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 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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