vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: PR

Complaint narrative:
To whom it may concern, On day XX/XX/year>, I looked at my report. I sent a letter to Transunion on XXXX XX/XX/year> asking them to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
On day XX/XX/year> they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Tran really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case.

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 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: B9, Inc.
State: AZ

Complaint narrative:
B9 employee admitted to me that they double charge pending transactions. I have had 4 pending transaction totaling {$400.00} which are double charges. Refusing to release the funds.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
b'I am writing to formally dispute a fraudulent collection account that has been reported on my credit file.\nThe account does not belong to m,e was opened without my knowledge or consen, tand is the direct\nresult of identity theft.\nI have already filed an official Identity Theft Report through IdentityTheft.gov (FTC), Ive even mailed certifated letters to attempted to Pay For Delete @10% ($90) to have it removed but to no avail.This account is fraudulent and must not be associated with my personal credit file. I did not open, authorize, or benefit from this account in any way.\n\nCertified tracking Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: Second Alliance, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. A personal line of credit account & XXXX  loan accounts were fraudulently opened in my name without my knowledge or authorization. These accounts do not belong to me, and I have never applied for or used these accounts. Despite several written disputes and requests for verification, the companies have failed to provide any supporting documentation proving that these accounts are valid or that I am responsible for them. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information on my credit report. I have repeatedly notified both the credit reporting agencies and the furnisher of this debt that the accounts are fraudulent, but it continues to appear on my credit file. The companies have not provided a copy of any signed application or agreement showing I opened these accounts, verification of the alleged debt, any documentation linking me to these accounts beyond what appears to be computer-verified information. I have also requested removal of these accounts multiple times and cited my status as a victim of identity theft, but the companies continues to report these accounts. These actions are damaging my credit standing and causing me financial harm. I am requesting the CFPB 's assistance in requiring the companies listed below to immediately delete these fraudulent accounts from my credit reports, provide verifiable documentation that proves I am responsible for these accounts, and cease all collection activity related to these accounts in compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the FCRA. I am asking for CFPB enforcement to ensure these fraudulent accounts are investigated properly and permanently removed from my credit history. 

Fraudulent account information : SECOND ALLIANCEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. A personal line of credit account & XXXX loan accounts were fraudulently opened in my name without my knowledge or authorization. These accounts do not belong to me, and I have never applied for or used these accounts. Despite several written disputes and requests for verification, the companies have failed to provide any supporting documentation proving that these accounts are valid or that I am responsible for them. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information on my credit report. I have repeatedly notified both the credit reporting agencies and the furnisher of this debt that the accounts are fraudulent, but it continues to appear on my credit file. The companies have not provided a copy of any signed application or agreement showing I opened these accounts, verification of the alleged debt, any documentation linking me to these accounts beyond what appears to be computer-verified information. I have also requested removal of these accounts multiple times and cited my status as a victim of identity theft, but the companies continues to report these accounts. These actions are damaging my credit standing and causing me financial harm. I am requesting the CFPB 's assistance in requiring the companies listed below to immediately delete these fraudulent accounts from my credit reports, provide verifiable documentation that proves I am responsible for these accounts, and cease all collection activity related to these accounts in compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the FCRA. I am asking for CFPB enforcement to ensure these fraudulent accounts are investigated properly and permanently removed from my credit history. 

Fraudulent account information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. A personal line of credit account & XXXX loan accounts were fraudulently opened in my name without my knowledge or authorization. These accounts do not belong to me, and I have never applied for or used these accounts. Despite several written disputes and requests for verification, the companies have failed to provide any supporting documentation proving that these accounts are valid or that I am responsible for them. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information on my credit report. I have repeatedly notified both the credit reporting agencies and the furnisher of this debt that the accounts are fraudulent, but it continues to appear on my credit file. The companies have not provided a copy of any signed application or agreement showing I opened these accounts, verification of the alleged debt, any documentation linking me to these accounts beyond what appears to be computer-verified information. I have also requested removal of these accounts multiple times and cited my status as a victim of identity theft, but the companies continues to report these accounts. These actions are damaging my credit standing and causing me financial harm. I am requesting the CFPB 's assistance in requiring the companies listed below to immediately delete these fraudulent accounts from my credit reports, provide verifiable documentation that proves I am responsible for these accounts, and cease all collection activity related to these accounts in compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the FCRA. I am asking for CFPB enforcement to ensure these fraudulent accounts are investigated properly and permanently removed from my credit history. 

Fraudulent account information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NJ

Complaint narrative:
Someone deposited XXXX $ in a old account that I have the account number, pin number, and all the information needed to prove it's my account and still nothing they told me I should wait 5 years and get it on unclaimed funds. And dismissed me. They are lying when they told you they are looking into it and they sent me a email saying the case was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: NV

Complaint narrative:
I received an email earlier today, XX/XX/2025, from a debt collector company named True Accord. They stated : " On XXXX, you made a payment of {$1.00}. This payment will be applied against a balance owed to XXXX XXXX XXXX. '' I have never heard of this debt collector before nor have they ever contacted me about trying to collect a debt for XXXX XXXX card. I haven't even received anything from XXXXXXXX XXXX  card themselves let alone heard from True Accord. I am a victim of Identity theft an just found out someone opened up an account in my name with XXXX that I didn't open. I'm currently trying to fight to get that off of my debt because they are threatening to send it to collections. So to hear that True Accord somehow got a hold of my debit card info and charged money I never authorized them to charge, was a shock. I emailed them back like it said to do in the email, asking them to provide me proof of this authorization I gave them to charge my card as well as full validation of said debt including the account information with premier credit card showing the account number and amount owed, etc. I don't know what to do because now they have access to charge my debit card and are now not responding to me at all. I am actively working with an app to repair my credit and it's working well. Now I'm scared that this will send me backwards after I've worked so hard to fix my credit. And I am doing everything I can to pay as much as I can but I can't pay it all at once. I never signed anything with True Accord or XXXXXXXX XXXX card authorizing any charges to my debit card and if I somehow did, then it for sure wasn't knowingly. And for them to charge only {$1.00} is very odd to me. I don't understand how this could happen when I know I never made any payments to them nor did I provide any of my debit card info.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-10-20 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-20 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I applied for Citi XXXX XXXX on XXXX, XXXX, 2025. Less than XXXX weeks later I received a letter in mail to provide additional information for identity verification. After about 2 weeks from the time of providing the required information, I got the denial letter in mail with the reason described as : " we could not verify some of the information on your application ''.

I contacted Citi customer services multiple time, talking to several representatives to inquire about that exact information that is missing, but I was told that they can not specify the main reason my application was denied. It's worth noting that I already have another credit card from Citi bank and they have my full information. my XXXX XXXX was XXXX at the time of applying with no missed payment and low credit line usage.

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