vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Subject : Goodwill Deletion Request Car Insurance Collection Account ( Policy Number # XXXX ) Dear XXXX XXXX  XXXX XXXX, I am writing to respectfully request the removal of a collection account from my credit report related to an auto insurance balance associated with XXXX  XXXX  In XX/XX/XXXX, I was placed on XXXX XXXX due to XXXX  necessity and was under my physicians orders to avoid operating a motor vehicle. During that time, I was unable to use my car and was facing significant health and financial challenges, including loss of income and increased medical responsibilities related to my XXXX and recovery. 
Unfortunately, I was not aware that a balance had accrued or that it would be sent to collections. Had I known, I would have done everything in my power to prevent the account from falling behind. Since becoming aware of the issue, I have [ state if youve paid the balance or are willing to pay e.g., paid the balance in full or am fully prepared to resolve the amount owed immediately ]. 
I understand the importance of timely payments and take full responsibility for the oversight. However, I respectfully ask that you consider removing this collection account from my credit report as a gesture of goodwill, given the exceptional and temporary circumstances I was under. 
This collection is having a significant negative impact on my credit standing, despite my efforts to maintain financial responsibility before and after this incident. I am working hard to rebuild, and a goodwill deletion would be a meaningful step forward. 
Thank you for your time and consideration. I would be grateful for the opportunity to resolve this matter with compassion and mutual understanding. Please feel free to contact me if further documentation or discussion is needed. 


Sincerely, XXXX XXXX Last 4 digits of SSN : XXXX Date of Birth : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion 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 : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$9300.00} 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, 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 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Fay Servicing, LLC
State: NC

Complaint narrative:
Fay Servicing has the 2nd lien on our home. In order for us to clear this lien, we had XXXX  XXXX XXXX send a check with money taken out of our checking account for the balance on the loan on XX/XX/year> in the amount of {$12000.00}. Fay Servicing is showing that they received the check on XX/XX/year>. XXXX  XXXX XXXX says they cashed the check on XX/XX/year>. 

The amount of {$12000.00} is more than what our payoff is. And yet, the money we sent and they have cashed has not been applied to our loan. On XX/XX/year>, I called Fay Servicing and asked why this had not been done. I was told they were not sure how to apply the funds and needed clarification. No one had called us. No one requested any kind of clarification via mail or email. 

I was told on XX/XX/year> it would take 3-5 business days to get this applied. I called on XX/XX/year> and was told it would be done by XXXX that day. It was not. I called on XX/XX/year> and was told it would be another 5-7 business days for it to be applied and another 7-14 days for us to get a letter saying it was paid off. This was after being hung up on 3 different times. 

All we want are the funds applied and a letter from Fay Servicing that the lien on our home has been satisfied. We need that letter today, XX/XX/year>. And I told Fay Servicing this and was told that would be impossible even though they have had our money in hand since XX/XX/year>. 

This is our complaint. This company then had the audacity to send me 2 pieces of mail that I received on XX/XX/year> stating that we had not paid our XXXX payment while they have {$12000.00} of our money sitting in their hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
XXXX XXXX claimed I owed them for a mobile service I never signed for and never received. The customer service rep I spoke with last year assured me that they saw the mistake and would correct the problem ; now, for the past 2 weeks, I've been receiving messages from Sunrise debt collectors for this problem again. Please help.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft and I submitted a full FCRA 605B identity theft packet to EACH BUREAU, including my FTC Identity Theft Report, government ID, Social Security card, and proof of my current address. By law, the credit reporting agency must block the identity theft information within 4 business days after receiving this report. 

Instead, the agency only deleted the fraudulent accounts for about 24 hours and then reinserted them. This is not a lawful investigation or a permanent block. They also refused to permanently update my correct address and continue to tie old, fraud-linked addresses to my file, which allows the fraudulent accounts to come back. 

This violates my rights under the FCRA : 605B ( a ) failure to block identity theft information within 4 business days.

605B ( b ) failure to notify furnishers/resellers to stop re-reporting blocked information.

611 ( a ) ( 5 ) ( B ) unlawful reinsertion of deleted data without providing notice or certification.

607 ( b ) failure to maintain maximum possible accuracy by refusing to correct my PII/address.

611 ( a ) failure to conduct a reasonable reinvestigation.

623 ( b ) furnishers are also in violation for continuing to report fraudulent data after being notified. 

The CRAs actions have caused me ongoing harm including continued denials of credit, stress, and damage to my reputation.

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 2025-10-01 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 2025-10-01 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: WI

Complaint narrative:
There are accounts being reported under my name without my authorization or awareness. I have never opened, authorized, or managed these accounts, nor have I benefited from them in any way. Their presence is completely unacceptable, as they present false, misleading, and damaging information about my financial history. I take my credit profile very seriously, and the appearance of these unauthorized accounts has caused me significant concern and distress. I require immediate clarification regarding why these accounts are appearing and who is responsible for furnishing them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Citizens Bank is refusing to investigate a formal dispute of an unauthorized or erroneous electronic funds transfer in the amount of {$750.00}, which was charged to my Citizens Bank debit card ending in XXXX on or around XX/XX/year>. 



The merchant involved, XXXX XXXX XXXX, informed me that the transaction on my Citizens Bank card was not successfully processed, which is why I was instructed to use an alternate debit card from a different financial institution. That second transaction went through successfully and was accepted by the merchant. 



However, despite the merchants confirmation that the original payment did not process, Citizens Bank still posted a {$750.00} debit to my account, resulting in me being charged twice for the same payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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 writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} Unauthorized Inquiries to Be Deleted : XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: IA

Complaint narrative:
Fraudulent hard inquiries and a fraudulent installment loan reporting to my credit from XXXX. 

Ive disputed directly with XXXX & they havent been the best to work with, hardly any communication from them. I have a police report as well as an IDTHEFT.gov report filed against them. 

I need these fraudulent things on my credit removed ASAP as its affecting my credit. Ill also be attaching full proof & proof that ive been trying to contact XXXX about this fraudulent account. 

EXPERIAN : Hard Inquiries : XXXX XXXX  Account XXXX XXXX XXXX TRANSUNION : Ive also contacted XXXX  about a fraudulent account being opened in my name, ive sent them all required documentation and also have not heard anything back & they are reporting to my credit even after ive already given them all necessary documents claiming this is the result of identity theft. i dont use XXXX XXXX 

XXXX XXXX I just opened a new credit card and i was approved for a XXXX XXXX card but there are some older unauthorized hard inquiries on my credit from XXXX  XXXX on the dates of XX/XX/XXXX & XX/XX/XXXX that i didnt authorize. Id like those removed too as i didnt do them. 

All documents will be attached.

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 2025-10-01 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax 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 : ACCOUNTS : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1600.00} 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, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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 bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX, Citi closed all of my credit card accounts citing multiple returned payments ( NSF / insufficient funds ). However, my XXXX checking account statements show that on each date when Citi attempted withdrawals, funds were deposited or already present in amounts sufficient to cover the payments. 

Examples : XX/XX/year> {$1000.00} Payment : Citi flagged this as insufficient. On the same date, I transferred {$10000.00} into my XXXX account, more than enough to cover the {$1000.00}. The XXXX statement confirms both the deposit and the Citi debit attempt that day. This appears to have been a timing/processing mismatch, not an actual NSF. 
XX/XX/year> {$1000.00} AutoPay : I deposited {$1000.00} on XX/XX/year> specifically to cover this AutoPay. Despite the funds being available, Citi still marked it NSF. Again, this was not a lack of funds but a processing/timing error. 
XX/XX/year> {$1600.00} Payment : Initially failed, but was successfully collected on the retry after my paycheck cleared the next day. The payment went through as intended. 

In each case, the evidence shows I had sufficient funds. The NSF designations were caused by ACH timing mismatches between XXXX  posting of deposits and Citis withdrawal attempts. I funded my account in advance and in amounts far greater than the payments required. 

Retaliation Concern : On [ insert exact date ], I emailed Citi documented proof from my XXXX account showing that funds were available during these transactions. Within minutes of sending that evidence, Citi closed all of my accounts, not just the AAdvantage card in question. 

This immediate blanket closure strongly appears retaliatory, punishing me for disputing their error instead of conducting a fair review. It has harmed my credit profile by closing multiple high-limit tradelines at once, and it has disrupted my financial stability. 


I am attaching the Citi card statements and XXXX  checking statements from XXXX through XX/XX/year> as supporting documentation, which clearly demonstrate that funds were present.

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