vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: FL

Complaint narrative:
I am reporting identity theft and the continued reporting of multiple fraudulent accounts on my credit profile. These accounts were not opened by me, were never authorized, and are part of an ongoing identity theft case. I have no connection to these creditors and did not receive any goods, services, or funds. 

Here are the fraudulent accounts being reported under my name : XXXX XXXX XXXX {$11000.00} XXXX {$2500.00}, {$1000.00}, and {$25.00} ( multiple accounts ) XXXX XXXX XXXX {$520.00} XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$470.00} XXXX XXXX {$600.00} and {$200.00} XXXX XXXX  {$410.00} XXXX XXXX {$17000.00} XXXX XXXXXXXX XXXX  {$10000.00} These accounts are showing up with negative remarks such as delinquencies, charge-offs, or high balances, and they are damaging my ability to obtain credit, housing, or fair lending rates. 

I have already taken the following actions : Filed a police report Submitted a FTC Identity Theft Report at XXXX Placed fraud alerts and security freezes with all XXXX credit bureaus Collected proof that my data was included in the XXXX Equifax data breach ( Engagement ID : XXXX ) Under FCRA 605B, I am demanding the immediate blocking and permanent removal of these fraudulent accounts within XXXX business days, as required by law. These items should not be reinserted unless verified through a certified legal process. 

If the accounts are not removed or continue to appear, I am prepared to escalate this case through legal counsel for violations of the Fair Credit Reporting Act.

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 2025-09-24 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: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? Ive observed inaccurate items on my credit report. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 2025-09-24 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: NY

Complaint narrative:
Hello, Upon reviewing my consumer report, I noticed late payment entries that appear to be inaccurate. I have always maintained on-time payments and have been a responsible consumer. As you know, consumer reporting agencies play a critical role in accurately reporting customer information, and it is imperative that this information reflects the truth. 
I have never missed a payment on the following account : XXXX TransUnion-Acct # XXXXXXXX XXXXAcct # XXXXXXXX XXXXAcct # XXXX Therefore , I am formally requesting an immediate investigation into this matter. Please provide supporting evidence, such as account statements or payment records, to validate the reported late payments.

If these entries can not be substantiated, I request that the inaccurate late payment records be promptly corrected to reflect my actual on-time payment history. I take my financial obligations seriously and consistently meet them without delay. 
Thank you for your prompt attention to this matter. I look forward to your confirmation of receipt and resolution Thank 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 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello, So i got a notice in the mail that my account will be closed. Although I have XXXX XXXX  in there, they're giving me an issue on getting my funds. They told me to go to my local branch to recover it but I insisted I live in an area where a branch isn't XXXX miles near me. So now I'm stuck with no ways to retrieve my funds. I called back numerous times but kept getting " call dropped '' and no help from anyone whatsoever. It's incredibly difficult.

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 2025-09-24 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: VA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am a victim of identity theft and a data breach. I reached out to the company and asked to be sent documents of proof that it was me who inquired their services and they refused to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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 2025-09-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX XX/XX/year> Equifax Subject : Formal Dispute for Inaccurate and Incomplete Credit Reporting To Whom It May Concern, This letter serves as a formal complaint and dispute against Equifax for reporting inaccurate, incomplete, and unauthorized credit information on my consumer file.

I am disputing the erroneous items listed below that currently appear in my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am demanding that you provide written documentation of the procedures used to verify these accounts. If you are unable to verify their accuracy, they must be deleted immediately, as they are unlawfully damaging my credit and financial well-being. 



Additionally, under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), I have a fundamental right to financial privacy. Section 1681 ( 4 ) of the FCRA further emphasizes the importance of maintaining maximum possible accuracy and protecting consumer credit information. Equifax is also in violation of 15 U.S.C. 1681b ( 2 ), as there exists no permissible purpose to maintain or furnish inaccurate information. The continued reporting of these accounts represents a direct violation of my privacy rights. Furthermore, under 18 U.S.C. 1028a, the misuse of personal information and
identity theft constitute federal crimes. Any continued reporting of fraudulent or unauthorized information must cease immediately.

Lastly, 15 U.S.C. 1681c-2 requires credit reporting agencies to block all information resulting from identity theft. The presence of such items on my report is a direct violation of my rights as a consumer. 



Disputed Accounts XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : 15 U.S.C. 1681s-2 Terms and conditions were not clear and conspicuous, and no opt-out option was disclosed. Reporting constitutes unlawful transfer of private information.

Action Requested : DELETE FROM CREDIT REPORT.

Final Demands Provide written verification procedures for each disputed account.

Delete or block all inaccurate, unauthorized, or unverifiable information.

Send me an updated corrected credit report.

Cease all further unauthorized reporting in violation of federal law.

Failure to comply will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action for damages under 15 U.S.C. 616 & 617. 



Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc.
State: OK

Complaint narrative:
Everyday some phone call from XXXX XXXX. Calls me. Every day it is a different phone number so I can not block the number. Finally I call them back to stop calling and they asked if my number is the correct number and I replied yes. 

The only debt I can think of which I wasnt responsible for and I sent a validation of debt letter on was a Lab bill that was coded correctly and my health insurance told me I was not responsible for. They responded to that letter I am only speculating on what they are calling for. This constant every day calling I can not block and I told the lady on the phone to stop.. 

If they send a letter to me that I owe a debt I do not. I am afraid thats what is going to happen. 

The company is called Client Services Inc. In XXXX XXXX. they have a website and an address. Please help. I have great credit they need to stop the harassment. Thank you XXXX XXXX ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: IN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-09-24 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:
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 2025-09-24 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
On XX/XX/year> I noticed a business credit card/account had been opened in my name without my knowledge or authorization. The account was opened in XXXX, but I live in Michigan and have never applied for this card. The account has a reported balance of {$9200.00} and is listed as charged off. I contacted the company to dispute the account and requested documentation proving that I authorized or applied for it, but the company has not provided any information. I am requesting that this fraudulent account be investigated and removed from my credit report.I requested documentation showing who applied for this account, the application details, and proof that I authorized it. The company has not provided any of this information.

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 2025-09-23 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-23 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-24 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: BMO BANK NATIONAL ASSOCIATION
State: LA

Complaint narrative:
this account is not mine. I have reached out to the creditor many times in regards to this. Each time I call, I am told that they can't find an account with my name and social. I think someone may have used my information to open up this account after it was leaked in the data breach

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 2025-09-24 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: MD

Complaint narrative:
I submitted this complaint in XX/XX/year> regarding student loans that were forgiven under a federal loan forgiveness program. As of today, these accounts are still being reported inaccurately on my credit report by [ XXXX EQUIFAX AND XXXX  ]. I have not received a resolution or any update from the bureau, and the items continue to negatively affect my credit. 

Please escalate this matter. I am requesting that the credit bureau comply with FCRA obligations and update my credit report to reflect accurate information. I am also requesting confirmation that these accounts have been corrected and removed. 

Thank you for your continued attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/year>, I went to the Bank of America branch at XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. I arrived at the bank at XXXX to add a DBA to one of our business accounts. I was told there was no appointments until XXXX. I then came back at XXXX only to be told there is no business banker in and they would try to help me as best as possible. I said, why book me an appointment at XXXX with a XXXX XXXX if there was not going to be one in at the location at that time. We as a business have many bank accounts at Bank of America and we were adding a dba account. They claimed that they can not add a dba account to the existing account and I would have to open up a whole other business account. Its interesting how the State of Nevada allows a EIN to have multiple DBA accounts when its a Non Profit organization. After I said that is fine, I have already wasted 2 hours, lets just open up the new account. Sat there for about 30 mins in which the banker had no clue how to open up the account. She had to keep leaving the room to go check with another person. She then comes back and says that its going to take about 45 mins to open the account. She advised that maybe it was better to come back on another day to open it since it was going to take 45 mins. I advised the banker that I am already here, lets just get it open. Then she comes back and says that on the existing bank account it has XXXX and on another bank account it says XXXX. Yet XXXX and XXXX both have the same mailing address, home address, social security card and birthrate. She said that she couldn't open the account cause the names could be two different people. AKA, she just didn't want to be bothered opening the account. Now, I have to make an appointment at another branch and spend more time out of my day to open this account that this banker at Bank of America did not want to do. This person, XXXX, should be fired and not allowed to be a banker at Bank of America. A checking account or a business that has multiple dba 's under it can all be attached to the same account. She just wanted to open another account so she could reach her quote of accounts for the day or week. This branch needs to be looked into and they should not be employee staff that don't want to do there job. I have been with Bank of America for almost 30 years. With 3 business accounts, 2 business credit cards and a personal account. Yet, she wants to claim XXXX and XXXX are two different people. AKA, she just didn't want to do her job.

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 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: PA

Complaint narrative:
This company is charging me for a debt that I supposedly owe from an electricity bill between XX/XX/XXXX, and XX/XX/XXXX. However, in XX/XX/XXXX I received a check from the electric company refunding me {$220.00}. I dont understandif I owe money, why would they send me a check? And if I did owe, why didnt they take the amount out of that refund? and on top of that, XXXX collection companies are trying to collect the same debt, and they both reported it on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Central Research Inc
State: TX

Complaint narrative:
I contacted XXXX  by certified letter and notified them that the information on the XXXX  Credit Report for CENTRAL RESEARCH INC is not accurate and does not match the information on the Experian Credit Report. The monthly payment is not accurate. The Status is not accurate. The Status Updated is not accurate. The Responsibility is not accurate. The Balance is not accurate.

Company response to consumer: Closed with explanation