vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: FL

Complaint narrative:
Experian refused to honor XXXX valid FTC Identity Theft Reports, falsely claiming they arent law enforcement reports, and failed to block fraudulent accounts and inquiries under FCRA 605B. 

I filed XXXX FTC Identity Theft Reports through XXXX ( Report # XXXX XX/XX/year>, # XXXX XX/XX/year>, # XXXX XX/XX/year> ) to dispute fraudulent accounts and inquiries. These reports are official law enforcement filings, subject to federal penalties for false statements. 

Experian refused to honor them, claiming they were not filed with a law enforcement agency and accusing me of misrepresentation or knowingly obtaining goods. These claims are false. The FTC explicitly confirms that reports filed at XXXX qualify as Identity Theft Reports under FCRA 605B. No local police report is required.

By rejecting valid FTC reports, Experian violated : FCRA 605B failure to block fraudulent information.

FCRA 1681i failure to reasonably reinvestigate.

Misrepresentation of consumer rights.

Additional Obstruction Experian has repeatedly demanded copies of my drivers license, Social Security card, and utility billeven though these documents were already provided with each FTC report submission. These duplicative demands serve no purpose other than to delay the statutory 30-day process. This shows Experian is not acting in good faith to comply with 605B.

Consumer Harm Experians refusal to honor my FTC reports prolongs the reporting of fraudulent tradelines and inquiries, harming my credit, housing, and employment opportunities. Their misstatements and repeated demands force me to resubmit evidence unnecessarily, creating stress, delay, and financial risk.

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 2025-09-05 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: GA

Complaint narrative:
I am filing this complaint because Experian, Equifax, and TransUnion are inaccurately reporting accounts that were included in my XXXX XXXX XXXX ( Case No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ). 

These accounts XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX continue to be reported as charge-offs with balances instead of included in bankruptcy with {$0.00} balances.

I disputed this with each bureau by certified mail on XX/XX/XXXX ( USPS receipts attached ). The bureaus have not provided proper verification, nor did they produce any signed document tying these debts to my identity. The U.S. Bankruptcy Court has confirmed in writing that it does not report consumer information to credit bureaus.

Reporting discharged accounts as charge-offs is inaccurate, misleading, and a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the Bankruptcy Codes discharge injunction ( 11 U.S.C. 524 ( a ) ( 2 ) ).

I request that the CFPB require the credit bureaus to delete or correct these accounts immediately to reflect accurate bankruptcy reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint because Experian, Equifax, and TransUnion are inaccurately reporting accounts that were included in my XXXX XXXX XXXX ( Case No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ). 

These accounts XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX continue to be reported as charge-offs with balances instead of included in bankruptcy with {$0.00} balances.

I disputed this with each bureau by certified mail on XX/XX/XXXX ( USPS receipts attached ). The bureaus have not provided proper verification, nor did they produce any signed document tying these debts to my identity. The U.S. Bankruptcy Court has confirmed in writing that it does not report consumer information to credit bureaus.

Reporting discharged accounts as charge-offs is inaccurate, misleading, and a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the Bankruptcy Codes discharge injunction ( 11 U.S.C. 524 ( a ) ( 2 ) ).

I request that the CFPB require the credit bureaus to delete or correct these accounts immediately to reflect accurate bankruptcy reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-09-05 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: NY

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 : XXXXXXXX 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, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Issue Description : On XX/XX/XXXX, at XXXX AM, a Truist representative, XXXX XXXX, deliberately canceled my mortgage autopay without my consent. 

I have had this mortgage since XX/XX/XXXX ( Loan # ending in XXXX, Property : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and have always paid on time through autopay. I had inquired about switching to biweekly payments. Based on Truists website, I understood that XXXX biweekly payments would be required in advance ( in addition to my current monthly payment ). XXXX XXXX XXXX disagreed, insisting that I would need to pay the current month plus XXXX additional months before biweekly payments would activate on XX/XX/XXXX. 

I asked her to email me the proper forms so I could submit a written request. I made no request to alter my existing monthly autopay. Despite this, XXXX XXXX XXXX willfully and in retaliation canceled my autopay arrangement, even though she acknowledged that biweekly payments would not begin until XX/XX/XXXX. 

This deliberate and retaliatory action placed me at risk of missing my first mortgage payment since XXXX, leading to potential late fees and credit damage. I believe this is a serious mortgage servicing failure and a violation of federal obligations under RESPA and CFPB servicing rules.

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 2025-09-05 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-05 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-05 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NV

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 explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I am writing to formally dispute and deny responsibility for the alleged debt in the amount of {$9000.00} that has been reported under my name in connection with XXXX at XXXX XXXX. This account was fraudulently opened without my knowledge or authorization, and I have no association with, nor do I owe, this debt. 

I did not open this account, nor did I authorize anyone else to do so on my behalf. Therefore, I am not liable for any balance that you claim is owed. Please immediately cease all collection activities related to this fraudulent account. There is absolutely no way that I owe this amount. I will seek litigation in connection to this account if this matter continues to be a issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: CT

Complaint narrative:
I received a civil summons concerning a debt to XXXX XXXX, represented by Stillman Law, XXXX in regards to a consumer loan purchased from XXXX XXXX Bank. 

As stated in the Fair Debt Collections act, 809, d " A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection '' Also : Account Number was incomplete to positively identify the account. 
No proof of ownership by XXXX  was provided in the documents other than an affidavit and a generic bill of sale containing no specific details as to what was purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing the fraudulent accounts listed on my credit report. I never authorized, opened, or had any involvement with these accounts. Their presence is false, inaccurate, and harmful to my financial standing.

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 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: MA

Complaint narrative:
I opened a Netspend account on XX/XX/XXXX, with the promotional offer : Earn {$200.00} when you Direct Deposit {$400.00} in 60 days. 

I received a direct deposit on XX/XX/XXXX of {$410.00}. According to their terms and conditions, to which I agreed while opening the account, the incentive credit will be applied within XXXX business days after qualifying direct deposit activity. However, I did not receive the bonus within this time frame. 

I contacted customer service, but they were unaware of the promotion and could not offer a clear explanation or resolution. My issue was escalated to a manager, but I was told this could take another week or more, without any guarantee of a resolution or timeline.

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