vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: Monterey Financial Services LLC
State: CA

Complaint narrative:
Pulled my credit report and found fraud accounts on my report Fraud Please delete this accounts this is as results of the experian breach and lawsuit with cfpb and FRCA deleted fraud addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX delete fraud accounts XXXX XXXX Account number XXXX Account name MONTEREY FINANCIAL XXXX Account number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I was at dinner when incident happened. I got a lot of alert and phone call from my bank that someone was trying to use my card and purchased many different transaction with same store in XXXX which I was not present in that state and I last purchased was in XXXX XXXX that day on XXXX. I am very disappointed how CITI handle the situation and not to protect me. I did not have any card to pay for that night and I am stuck without no card for next few days which I requested to be send out next day because I need to make a lot of purchases. I am stuck with no help from my bank or helping in handling the situation to make it better. The customer service has done terrible not to apologize for the situation. I would like to speak with XXXX from Citi bank. I am stuck I can not do any shopping or pay bills or pay anything without the card in my possession. It is not right I trust you to protect me and ability to use card and now I am stuck with nothing. I was supposed to buy some of stuff was on SALE and the sale ends on XXXX. I am stuck and I have no card to make any purchases. You CITI people destroyed me and it is not right. I need my card immediately and they told me it will be send out asap. Now I spoke to customer service on XXXX. They said don't send out on Sunday and I am frustrated and not what I was promised. I would like to communicate through email.

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 2025-06-23 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
I am disputing a collection account from Columbia Debt Recovery related to a joint apartment lease I signed with my ex-husband, XXXX XXXX, in XXXX. The debt is being reported by XXXX, XXXX, and XXXX, but has been entirely removed from my ex-husbands credit reports, despite our joint responsibility. I disputed this account with all three credit bureaus and received the following responses : XXXX  said the company verified the information as accurate and made no changes. 

XXXX  verified the account as accurate but modified fields like status date or balance. 

XXXX  also verified the account and updated similar fields, but provided no validation. 

None of the bureaus provided actual documentation validating my individual liability or explaining why this account remains solely on my report while being removed from my co-signer 's. This is unfair and inconsistent reporting. This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which requires a reasonable reinvestigation and accurate reporting. It also appears to violate 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy of the information reported.

I am requesting : Deletion of this account from my credit report. Or written documentation clearly validating my responsibility for the debt, and an explanation as to why the same account was removed from my co-signers report but remains on mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: DISCOVER BANK
State: CT

Complaint narrative:
On XX/XX/year>, I received a hard inquiry on my credit report from Discover. I called discover and confirmed I did not make this request and they confirmed the request came through discover.com. The Discover rep moved forward with marking the application as fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5800.00} XXXX XXXX XXXXXXXX Balance : {$940.00} XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$690.00}

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 2025-06-23 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: IN

Complaint narrative:
I'd like to let you know that there are items on my credit report that have resulted from fraud to which I never benefited from. I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated. I need you to prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report now. I expect this to be resolved immediately. It would be a big help to lessen the tremendous XXXX  and stress it's causing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am a documented victim of identity theft, and TransUnion has failed to comply with federal law despite receiving all required documentation under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I submitted a full dispute packet to TransUnion including : FTC Identity Theft Report ( ID XXXX XXXXXXXX ) A sworn affidavit of identity theft My government-issued ID Proof of current address A formal written request under FCRA 605B to block fraudulent accounts TransUnion received these documents via certified mail ( tracking confirmed ), yet has continued to report multiple fraudulent accounts tied to identity theft. These tradelines should have been permanently blocked within XXXX business days, as required by law. 

TransUnion is still reporting the following identity theft accounts : XXXX XXXX XXXX XXXX collection accounts ( ending in XXXX and XXXX ) XXXX XXXX XXXX. Rental collection ending in XXXX XXXX XXXX XXXX XXXX account ending in XXXX ( also tied to a vacated/written-off judgment ) XXXX XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX Account ending XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX XXXX These are not my accounts, and I have never authorized or opened them. I am actively reporting them as identity theft. TransUnions inaction constitutes a direct violation of : FCRA 605B ( 15 U.S.C. 1681c-2 ) failure to block identity theft information FCRA 611 ( 15 U.S.C. 1681i ) failure to reasonably investigate within XXXX days FCRA 607 ( 15 U.S.C. 1681e ) failure to follow procedures to ensure accuracy TransUnion is obligated to block the reporting of fraudulent tradelines once a valid identity theft report is received. It has been over XXXX  days, and TransUnion has not corrected my file, violating my rights and damaging my credit profile.

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 2025-06-23 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: AL

Complaint narrative:
Dear Sir/Mam, I am writing to respectfully request your assistance with a matter involving my credit report and an installment account held with XXXX  XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX  ), which is currently being reported to TransUnion, Experian, and Equifax. 
While I understand and acknowledge that a late payment may have occurred in the pastspecifically in XX/XX/year>, as shown on the credit reportsI have since made every effort to bring the account current and have consistently submitted on-time payments thereafter. The account is currently in good standing, with a {$0.00} past due balance, and reflects Current payment status across all three bureaus. 
In light of my efforts to restore and maintain a positive payment history, I kindly ask that the CFPB assist in facilitating a request to remove the isolated late payment entry from my credit file. This goodwill adjustment would significantly support my credit rebuilding efforts and ensure that my report reflects my recent responsible payment behavior. 
I have attached documentation, including excerpts from my credit report and proof of payment, to support this request. 
Thank you for your time and for the role you play in protecting consumers and promoting accurate credit reporting under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Dear Sir/Mam, I am writing to respectfully request your assistance with a matter involving my credit report and an installment account held with XXXX  XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX  ), which is currently being reported to TransUnion, Experian, and Equifax. 
While I understand and acknowledge that a late payment may have occurred in the pastspecifically in XX/XX/year>, as shown on the credit reportsI have since made every effort to bring the account current and have consistently submitted on-time payments thereafter. The account is currently in good standing, with a {$0.00} past due balance, and reflects Current payment status across all three bureaus. 
In light of my efforts to restore and maintain a positive payment history, I kindly ask that the CFPB assist in facilitating a request to remove the isolated late payment entry from my credit file. This goodwill adjustment would significantly support my credit rebuilding efforts and ensure that my report reflects my recent responsible payment behavior. 
I have attached documentation, including excerpts from my credit report and proof of payment, to support this request. 
Thank you for your time and for the role you play in protecting consumers and promoting accurate credit reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX, XXXXXXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX JEFFERSON CAPITAL XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious JEFFERSON CAPITAL XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: AL

Complaint narrative:
I am writing to respectfully request your assistance in addressing a late payment entry currently reflected on my credit reports regarding my account with XXXX  ( Account # : XXXX XXXX XXXX XXXX XXXX ), reported to TransUnion, Experian, and Equifax. 
According to my credit reports, a late payment was reported in XX/XX/year>. While I understand this may have resulted from a temporary oversight, I would like to note that I have since made every effort to keep the account in good standing and have consistently paid on time.

The account is currently : Open and Active In Current Payment Status Reporting {$0.00} Past Due Balance This isolated late payment does not reflect my overall payment behavior and commitment to maintaining positive credit standing. In light of my improved payment history and current account status, I am kindly requesting a goodwill adjustment to have the XX/XX/year> late payment entry removed from my credit files. 
This gesture would be a meaningful step in supporting my financial recovery and accurately reflecting my current responsibility as a borrower.

Please find attached a copy of my credit report and identification for verification.

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 2025-06-23 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: MA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXXXX # XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$700.00} XXXX # XXXX XX/XX/XXXX -- {$660.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00}

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 2025-06-23 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: GA

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXXXXXX Balance {$20000.00} XXXX XXXX XXXXXXXX Balance {$17000.00} XXXX XXXXXXXX XXXX XXXX Balance-

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 2025-06-23 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I havent gotten anything resolved, the accounts are remaining on my credit report. Im a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I havent gotten anything resolved, the accounts are remaining on my credit report. Im a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to formally dispute an account listed with all three credit bureaus under the furnisher name XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ), with partial account number XXXX. This account appears on my credit file with TransUnion, Experian, and Equifax and reflects inconsistent and potentially inaccurate information, in violation of the Fair Credit Reporting Act ( FCRA ). 
Below are several inconsistencies and reporting concerns : 1. Inconsistent Opening Dates : TransUnion reports the account as opened on XX/XX/XXXX Experian and Equifax report it as XX/XX/XXXX These discrepancies indicate a failure to maintain uniform and accurate data, in violation of FCRA 1681e ( b ).

2.

3. Inconsistent Reporting Comments : TransUnion states : Account information disputed by consumer, meets FCRA requirements.

Experian says : Customer disputed account - reported by subscriber.

Equifax includes : Consumer disputes this account information. Subject has not satisfied debt.

These comments vary in tone, implication, and contenthighlighting a lack of consistency that could lead to confusion or misinterpretation by lenders or underwriters.

4.

5. Date Last Active Discrepancy : TransUnion lists XX/XX/XXXX, while Experian lists XX/XX/XXXX, and Equifax lists XX/XX/XXXX Such significant differences suggest errors in data synchronization. 
6.

7. Balance & Past Due Accuracy : The reported balance of {$10000.00} is identical across bureaus, but none list a past due amount.

Yet the account is labeled Collection/Chargeoff and also stated to be unsatisfied on Equifax. This contradiction needs clarification and proper documentation as required by FCRA 1681i during reinvestigation.

I respectfully request a full reinvestigation of this account across all three credit bureaus. If the reporting entity can not verify the accuracy and consistency of the information with proper documentation, I request that this account be removed from my credit reports as required under FCRA.

Company response to consumer: Closed with non-monetary relief