vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: CA

Complaint narrative:
FTC report attached with all companys. 
Have numerous inquires also, multiple companies multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
i contacted Citi Bank multiple times. i was told at a local branch in XXXX XXXX, CA that if my phone number was used ona different account previously then my account will forever have issues. my account started having issues multiple times where i had to constantly wait for a code via mail to get access back. eventually they stopped. i contact CFPB and was told to walk into the branch present my id and i would get my account closed and my money. instead i was just asked to verify questions and told to wait. i need my account closed and my money sent to me via mailing address. i will no longer waste my time going back and fourth with citi bank as they have made it nearly impossible to communicate. they constantly hang up my calls and tell me they will be in touch with the rightful account owner. i have gone to the branch 2 times. and made several calls. they still continue to refuse to communicate with 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 2025-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2025-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LEXISNEXIS
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX DOB : XX/XX/XXXX SSN ( last XXXX ) : XXXX Email : XXXX Date : XX/XX/XXXX To : LexisNexis Risk Solutions XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Consumer File Information FCRA XXXX ( a ) Dear LexisNexis XXXX XXXX, I am requesting a full reinvestigation of my LexisNexis XXXX XXXX. Pursuant to the Fair Credit Reporting Act ( FCRA XXXX ( b ), XXXX, and XXXX ( a ) ), I dispute the following items as inaccurate, unverifiable, or obsolete : Personal Information Incorrect/obsolete names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Correct legal name : XXXX XXXX XXXX. 

Incorrect/obsolete addresses : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXt, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 

Correct current address : XXXX XXXX XXXX, XXXX, TX XXXX. 

Public Records and Collections I dispute any and all references to judgments, evictions, utility records, or medical-related collections tied to the above identifiers. 

These entries are inaccurate, unverifiable, and must be deleted. 

Requested Remedy Please conduct a reinvestigation and provide : A corrected copy of my LexisNexis consumer file. 

Identification of the furnishers or public record sources you relied upon. 

Written certification that unverifiable or obsolete records have been permanently deleted. 

Failure to comply within the XXXX timeframe under FCRA XXXX XXXX a ) will result in escalation to the Consumer Financial Protection Bureau XXXX CFPB ) and the Federal Trade Commission XXXX FTC ). 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Levy & Associates, LLC
State: VA

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Levy XXXX Account I am writing to formally dispute inaccurate information being reported on my credit file regarding the account listed below : Creditor / Collector Name : [ Levy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Account Number : File XXXX Reported Balance : Reported Owed Dispute Details : 1. I have already requested validation of this debt, but the collector failed to provide adequate documentation as required under 15 U.S.C. 1692g ( FDCPA ).

2. This is a violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), because they pursued legal action and collections after payment was made, and they have refused to provide documentation or return excess funds. 
3. The account is being reported as verified without any proof of validation or documentation supporting the debt. Court Case in XXXX XXXX XXXX states {$2400.00} owed, Levy XXXX agreed with XXXX XXXX {$1400.00} was owed by XXXX. XXXX XXXX is owe {$990.00} as the overpaid difference. XXXX XXXX XXXX garnished {$2400.00} on XXXX. Levy XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX have all denied me justification, written proof, or refund as of XXXX XXXX. The information is inaccurate and materially damaging to my credit file. 
Requested Resolution : Investigate and remove the inaccurate information from my credit report. 
Provide written confirmation of your investigation and the action taken. 

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that this information be investigated and corrected or removed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
Dispute Regarding Fraudulent Accounts and Inquiries I am writing to formally dispute several fraudulent accounts and inquiries listed on my credit report due to identity theft. This correspondence is in accordance with the Fair Credit Reporting Act ( FCRA ) Section XXXX ( 15 U.S.C. 1681c-2 ), which allows consumers to request the blocking of information resulting from identity theft. Attached to this letter is my identity theft report, which confirms that the accounts and inquiries listed below were not authorized by me : XXXX XXXX account number XXXX opened XXXX. XXXX  XXXX account number XXXX opened XXXX. XXXX XXXX account number XXXX opened XXXX. XXXX  account number XXXX opened XXXX. XXXX XXXX account number XXXX opened XXXX. XXXX XXXX BANK account number XXXX opened XXXX. XXXX XXXX account number XXXX opened XXXX. XXXX XXXX inquiry date XXXX. XXXX XXXX XXXX inquiry date XXXX. XXXX XXXX inquiry date XXXX. XXXX  inquiry date XXXX. XXXX  inquiry date XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: A.C.S. Companies, Inc. I
State: VA

Complaint narrative:
I tried to contact the company about this in XXXX  a was told they sold my information. Then I didnt hear back for a few years.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-12 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: U.S. BANCORP
State: PR

Complaint narrative:
XXXXXXXX XXXX make an hard inquiry on my XXXX  credit report on XXXX XXXX I have been victim of identity theft, can XXXX erase my hard inquiries that don't belong to 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 non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 explanation
Consumer complaint received 2025-09-12 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: IN

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 IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-12 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: EQUIFAX, INC.
State: IN

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 IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Recently opened account with chase within the first week Id wired about XXXX XXXX  from my cashapp account to the new cashapp account and then I deposited a XXXXXXXX XXXX check through the mobile banking feature in the app, everything is fine for a about XXXX days until I try to use funds somewhere and I call and find out my account is being closed, I asked why and they say they cant tell and dont have any information for me, I call again and am told the same thing, I ask how can I get my funds that was still in my account and they tell me I would have to wait at-least about XXXX business days until I get letter in the mail and maybe the rest of my funds, This situation will have me late with my bills and leave me in past due and phone service will be cut also no connection to any service when I am away from home making it very hard to work because I need my device.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: VA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute of Derogatory Account Request for Immediate Deletion To Whom It May Concern, I am writing to dispute the inaccurate and unverifiable reporting of an account on my credit file. This account violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. 

The account information is as follows : Furnisher : I C SYSTEM ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX Balance Reported : {$1000.00} Status : Derogatory This account is being reported inaccurately and does not reflect a verified debt. Under 15 U.S.C. 1681i ( a ), credit reporting agencies and furnishers are legally obligated to investigate any disputed information thoroughly. I have reason to believe this account is inaccurate and unverifiable, constituting a violation of federal law. 

Furthermore, under 15 U.S.C. 1692e, debt collectors are prohibited from using false or misleading representations in debt collection, which includes reporting unverifiable information to credit bureaus. 

As such, I am formally requesting the immediate and permanent removal of this account from my credit reports across all credit bureaus, as the alleged debt has not been lawfully validated as required by law.

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 2025-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: MD

Complaint narrative:
On XX/XX/year>, I sent Cedars Business Services a formal written dispute and debt validation request via certified mail regarding an alleged debt in the amount of {$11000.00}. 
In that letter, I demanded : A copy of the signed contract or agreement with the original creditor, XXXX. 
A full itemized accounting of the alleged charges. 
A complete Bill of Sale or assignment agreement proving Cedars legal ownership, including the full chain of title. 
Proof of Cedars Business Services license to collect debts in the State of Maryland. 

XXXX records confirm Cedars received my dispute letter. It has now been over 30 days and they have completely failed to provide any validation. 

Violations : FDCPA, 15 U.S.C. 1692g ( b ) : Cedars failed to provide validation of the alleged debt after receiving a timely written dispute. 
They are required to cease collection until proper validation is provided, yet they ignored my request. 
FCRA, 15 U.S.C. 1681s-2 ( a ) ( 3 ) : If Cedars reported this debt to any credit bureau, they are required to mark it as disputed. Failure to do so is a violation of federal law. 
Maryland Collection Agency Licensing Act ( MCALA ) : Cedars Business Services is not licensed with the Maryland Collection Agency Licensing Board. 
Collecting debts from Maryland residents without a license is illegal under state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: FL

Complaint narrative:
On XX/XX/year>, I submitted a written dispute to Equifax regarding the reporting of a XXXX XXXX account ( partial account number XXXX ). The account is reported inconsistently : in XXXX section of my credit report it appears as Charge-Off / Balance Due {$13000.00}, while in another section it appears as Paid On Time / No Delinquency. This contradictory reporting is inaccurate and harmful to my credit profile. 

On XX/XX/year>, XXXX responded to my dispute stating that the item was verified and left unchanged. Despite my dispute and the clear inconsistency in the reporting, Equifax did not correct or remove the inaccurate information. 

I am attaching my original dispute letter, Equifaxs response, a copy of my credit report showing the contradictory entries, proof of identity, proof of address, and certified mail receipts as evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. On XX/XX/year>, I identified several accounts that I believe are either outdated, not mine, or can not be verified under the Fair Credit Reporting Act ( FCRA ). 

Please delete the following 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 Incorrect Personal I submitted a formal dispute to TransUnion requesting that these accounts be fully investigated and removed if not verified with proper documentation. However, I did not receive a meaningful investigation or verification, and the inaccurate information remains on my report.

I am requesting the CFPB 's assistance to ensure TransUnion complies with federal law, specifically sections 1681i ( reinvestigation of disputed information ) and 1681b ( permissible purpose ). My goal is to have any unverifiable, inaccurate, or unauthorized accounts permanently deleted from my 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