vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I reviewed my credit report and found several negative accounts being reported that I believe are inaccurate, unverifiable, or outdated. I contacted the credit bureaus directly and formally disputed this accounts. Despite my good-faith efforts, the bureaus failed to provide proper verification or remove these items. Some may be duplicates, and others may lack proper documentation. I'm not receiving a proper resolution, and my credit is being harmed unfairly.

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 2025-09-13 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 am disputing the reporting of unauthorized and inaccurate accounts on my credit file. I never opened or authorized these accounts, nor was I ever notified when they were added. The reporting is inconsistent across the three credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) requiring agencies to maintain maximum possible accuracy. 

This also constitutes a violation of 15 U.S.C. 1681i, which requires disputed information to be investigated and either corrected or removed within 30 days, and 15 U.S.C. 1681g, which guarantees consumers accurate and complete disclosures of their credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: TX

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT 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 non-monetary relief
Consumer complaint received 2025-09-13 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: KY

Complaint narrative:
I am the victim of identity theft. Several unauthorized and fraudulent accounts have been opened in my name without my knowledge, consent, or authorization. These accounts are negatively impacting my credit profile and were not opened or used by me. I discovered these fraudulent accounts while reviewing my credit report. Despite submitting disputes, some remain unresolved or continue to be reported. 

The fraudulent accounts include : 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 2025-09-13 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: GA

Complaint narrative:
1. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. XXXX Account Number : XXXX 3. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt.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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: NC

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt.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 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 non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: PA

Complaint narrative:
I am filing this complaint regarding systematic authorization failures on my Discover Bank debit card that prevent legitimate transactions across all payment methods. Despite having sufficient funds, my debit card is repeatedly declined for " security reasons '' with no specific explanation provided. 

Pattern of Authorization Failures : - Tap-to-pay transactions declined at multiple merchants - Chip card transactions declined at point-of-sale terminals - XXXX XXXX transactions declined both in-person and online XXXX Online transactions declined across various merchants - Occurs at legitimate merchants including hotels, XXXX, XXXX XXXX, and other established businesses Duration : This issue has persisted for several months with increasing frequency. 

Discover Bank 's Inadequate Response : - Customer service representatives acknowledge " security reasons '' for declines but can not provide specific triggers - Multiple representatives have stated they can not access the authorization systems causing these blocks - No supervisor or manager has been able to resolve or explain the specific security parameters causing legitimate transaction denials Regulatory Violations : This systematic authorization failure violates my rights under Regulation E ( Electronic Fund Transfer Act ) by : 1. Preventing access to my funds without proper notification or explanation 2. Failing to provide specific reasons for transaction denials as required under consumer protection regulations 3. Maintaining authorization systems that can not distinguish between legitimate and suspicious transactions Connection to Current Consent Orders : Given Discover Bank 's current FDIC and Federal Reserve consent orders requiring compliance and risk management improvements, these authorization system failures represent continued unsafe and unsound banking practices that directly impact consumer access to their funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
Since the XXXX  of this year I have had my bank accounts attacked by hackers. They have gotten remote control of my phone & have contacted the bank. I bought a new phone & got a new number & within 2 weeks they figured out my new number. I have set up 2FA but it is no longer fully effective. Since my accounts get continually blocked I have to call & go through an XXXX  process. I am sick of going through this. I have asked Chase for a XXXXXXXX XXXX XXXX device. They tell me it is only for Business. I have told them it is the best device for my problem. All I get are I am sorry. I am sick of apologies that amount to nothing. This is discrimination based on the class of my person & is discrimination based on relative wealth. The XXXX XXXX uses asymmetric keys with a timestamp. I have even told them I'd pay for it. There needs to be legislation to this more secure method. The hackers are relentless, & since now the US is a hated nation these attacks have risen enormously from all around the world. We, simple citizens, should be entitled to the same level of protection as the business class. I do not want to wait for the day the hackers finally succeed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: HI

Complaint narrative:
In XXXX of XXXX, my mortgage company ( PennyMac ) failed to pay my insurance premium causing the cancellation of my insurance policy/coverage on one of my structures. In Hawaii, we typically can have 2 structures on a property. It's possible they did not pay because they thought it was a duplicate coverage. At that time I was paying {$1100.00} for homeowners on both structures ( {$620.00} for primary, {$460.00} for accessory dwelling unit ) and {$350.00} for hurricane. They did not pay the primary for {$620.00}. The cancelation occurred in XXXX of XXXX. When I got notification of cancellation and a forced-placed policy, I immediately contacted my insurance agent who then tried to get me coverage since the forced-placed is generally higher. The force-placed was around {$2200.00}, a difference of nearly {$1600.00} an increase of {$130.00} per month on my mortgage. Due to the recent fires in XXXX and California, it has been very difficult to get insurance coverage, not to mention that the premiums have significantly increased. It took up to XXXX of XXXX for my insurance agent to finally get me back my coverage, but now it was much higher. I went from paying {$1500.00} per year on insurance to nearly {$4000.00} because XXXX failed to pay my insurance. So by the time I got insurance my mortgage account was XXXX down and to add to it, they decided to pay for my new homeowners twice ( {$6700.00} ) instead of the new significantly higher {$3300.00}. My mortgage payment went from {$1800.00} in XXXX of XXXX to {$2000.00} from the error of insurance cancellation to then {$2900.00} in XXXX of XXXX due to double payment. I feel XXXX should not only reimburse me for the force-placed insurance premiums plus the difference in what I was originally paying in insurance to what I am paying now. If they had simply paid my insurance, I would not be in this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-13 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 disputing the reporting of unauthorized and inaccurate accounts on my credit file. I never opened or authorized these accounts, nor was I ever notified when they were added. The reporting is inconsistent across the three credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) requiring agencies to maintain maximum possible accuracy. 

This also constitutes a violation of 15 U.S.C. 1681i, which requires disputed information to be investigated and either corrected or removed within 30 days, and 15 U.S.C. 1681g, which guarantees consumers accurate and complete disclosures of their credit file.

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 2025-09-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Evergreen Moneysource Mortgage Company
State: WA

Complaint narrative:
XXXX XXXX the Branch Manager at evergreen home loans has been sending out spam robo calls that call from a private number then go straight to the voicemail box with telemarketeting messages to promote his business. I do not beilieve this is legal and it's very annoying and dishonest, no way to remove yourself from the call list exsists as far as i can tell. \n\nThe number he called from is XXXX XXXX XXXX according to the voicemail header info in my voicemail.\n\nHere is his info that i found online.\n\nNMLS# 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 2025-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: CA

Complaint narrative:
On XX/XX/year>, I received a letter from a debt collection agency stating that I owed {$110.00} on an account

allegedly from PayPal. However, I do not recognize this debt and do not know any outstanding balance with PayPal.

To verify, I contacted PayPal directly immediately. Their representative confirmed that there is no record of any such debt associated with my account, and they are unaware of any collection action being taken on their behalf.

This raises serious concerns about fraudulent activity either by the debt collection agency or a third party that may have opened an account or submitted false information using my identity. I suspect this could be an attempt at identity theft or an unauthorized debt collection effort.

I request the following : A full investigation into the legitimacy of this debt collection attempt. 

Immediate removal of any record of this debt from any credit reporting agencies, should it have been reported.

Confirmation in writing that I do not owe this debt. 

An inquiry into whether this is a case of fraud or identity theft. 

Please consider this letter a formal dispute of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ). I request that no further contact be made regarding this debt unless valid proof of the debt is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
CONSUMER ADJ Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XX/XX/year> I went into Citi bank and deposited a check for {$20000.00} that was given to me by my lawyer from a car accident I had with XXXX. This check was a release of a settlement. When I deposited the check I was released a receipt and everything. I then reached out to Citi bank multiple times because they blocked my account I couldnt access any of my funds even the ones before the check was deposited. I went into the bank XX/XX/year>XXXX  to understand why my account was frozen. I was told the fraud department decided to put a block on my account and they cant access any of the information nor tell me why it was being blocked specifically. I was told that I violated Citi bank policy by depositing this check. They didnt want to retained any information that I asked them. I called back two days later and asked to speak to the fraud department I was told that they would be closing my account and that no decisions of them closing it will be made until 30-60 days later. I also reached out to my lawyer and she confirmed it wouldnt be anything she could do and it was something that my bank would have to take care of because she witnessed the money from the exact check come out of the account. She also sent proof of so.

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-09-13 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: AR

Complaint narrative:
I am writing to formally dispute several inaccuracies currently reported on my credit file. These include incorrect addresses, employer data, collection accounts, and unauthorized inquiries. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, outdated, or unverifiable, and I respectfully request a reinvestigation of the following items. 
First, the addresses XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX are not connected to me and should not appear on my credit report. These addresses are inaccurate and may be the result of file mixing or reporting errors. My only correct and current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 
Secondly, the employers Natural-and-State-Health ( dated XX/XX/year> ) and XXXX XXXX ( dated XX/XX/year> ) are also incorrectly reported. I have never been employed by these entities, and their inclusion on my credit report is inaccurate. 
Additionally, I dispute the following collection accounts, which I Additionally, the accounts XXXX Account ending in XXXX * with a reported balance of {$12000.00}, and XXXX  Account ending in XXXXXXXX XXXX  with a reported balance of {$33000.00} are not familiar to me and should not be reflected on my credit report. I have never received any formal communication, billing, or validation of these debts, nor have I acknowledged any responsibility for them. These collections are inaccurate, potentially unverified, and may stem from reporting errors or mistaken identity. 
Furthermore, the inquiries from XXXX XXXX ( dated XX/XX/year> ) and XXXX ( dated XX/XX/year> ) were made without my knowledge, authorization, or prior consent. I did not apply for credit with either entity on or around that date. These inquiries are unauthorized and must be removed to ensure the accuracy of my credit file.

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