vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge, and I have never opened, authorized, or managed them. This is unacceptable and constitutes a serious misrepresentation of my financial history. I take the accuracy of my credit profile very seriously, and the presence of these unauthorized accounts is highly concerning. I require immediate clarification regarding why these accounts are appearing and who is responsible for reporting them.

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 2025-08-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Here I am again filing yet again another complaint against fifth third bank. I'm furious and my attorney has already been advised of the deceitfulness from this company and I have a solid case to pursue and I will. I want the recorded phone calls that fifth third bank found and listened to that confirm there was misrepresentation conducted. I wanted a 15 year loan and asked for a 15 year loan and quoted a 15 year loan. Yet agent error confirmed by company that agent printed and sent XXXX yr loan term paper which the bank rep placed in front of me to sign and said NOTHING. Tricking me into signing something under false pretense and misrepresentation. This error went on for 6 MONTHs which made me take out more money from the loan in order to survive and pay my other bills to not have my credit impacted ( one could argue that was intentional to gain more profit from a customer, deceitful tactic ). It is ONLY because of my doing that I don't have negative impacts on my credit score or payment history. I THOUGHT the company made it right by relocking in the correct loan term and refunded my overpayments made. I was then PROMISED AND GUARANTEED my monthly payments would be XXXX and NO PRORATED PAYMENT. This came from the office of the president. I made my last lower payment bill as they had advised however am now shocked to see I owe almost XXXX dollars for my next bill which was not what was advised. I will file as many complaints as I need over and over and my attorney already has a strong built case against fifth third due to the wrongdoing. This chaos of wrongdoing and previously caused me to stress so much I miscarried and I swear if this isn't resolved ASAP, YOU WILL BE HEARING FROM MY LAWYER. I'm sick of being lied to and jerked around like a fool. Your company error has caused tremendous harm to me and my family and this is not okay. Fifth third needs to be held accountable for their malicious wrongdoing and continued wrongdoing and lies that have significant negative impacts. I have you guys a chance. I will give ONE more chance to make this right. Write off the additional debt you caused and Remove the prorated payment and lock in my original loan amount and term requested. Make this right. I only took out more money from your loan because I was forced to after your wrong doing. It's either write off the additional debt you caused and remove the prorated payment or I'll see you in court and almost guaranteed you'll owe a heck of lot more. Fifth third has 20 days to respond and acknowledge they are taking this seriously or you'll shortly be receiving a subpoena requesting for those recorded calls that are evidence of misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I would like to file a dispute with the CFPB regarding ChexSystems. 
My Consumer ID : XXXX was the result of identity theft. The following account was fraudulently opened in my name : XXXX XXXX XXXX XXXX, Account # ending in XXXX I have attempted to dispute this information directly with ChexSystems. However, they have refused to allow me to submit my dispute online through their consumer portal, unlike other consumers. This refusal has denied me equal access to their dispute process. 

I believe ChexSystems is treating me and my file in a discriminatory and unfair manner by preventing me from disputing inaccurate information online. I am requesting the CFPBs assistance to ensure ChexSystems investigates my dispute fully and provides me the same access to the online dispute process as other consumers.

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 2025-08-21 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: AZ

Complaint narrative:
Despite repeated attempts to resolve these matters, Transunion continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-08-21 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Charges from XXXX, XX/XX/year> and XX/XX/year> they have as late because they had the incorrect address

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 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
I am a victim of identity theft. In XXXX, I was the victim of a XXXX XXXX in which I was XXXX  and my wallet, identification, and personal information were stolen. Since then, fraudulent activity has been committed in my name without my knowledge or consent. 

As a result of my stolen identity, accounts have been fraudulently opened and reported to the credit bureaus. Two examples include collection accounts for XXXX ( {$1800.00}, reported by Harris & Harris LTD ) and XXXX XXXX XXXX XXXX ( {$8200.00}, reported by XXXX XXXX XXXX ) . I never opened these accounts, never authorized them, and I dispute owing any balance. These accounts are fraudulent. 

In addition, my credit reports are showing incorrect names, addresses, and employers that do not belong to me. Variations such as XXXX XXXX and XXXX XXXX are not names I have ever used. Certain addresses and employer listings also do not belong to me. These errors are directly related to the identity theft.

Because of this identity theft, I am suffering ongoing harm through false credit reporting, debt collection attempts, and the misuse of my personal information. I did not authorize any of these accounts, debts, or inquiries.

This is a case of full identity theft. I request that this FTC Identity Theft Report be recognized as proof that I am not responsible for any fraudulent accounts, debts, or inquiries made using my stolen identity. I will be attaching this FTC report to all disputes with the credit reporting agencies, the CFPB, and debt collectors so that they have formal notice of the theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I was alerted about a hard inquiry on my credit report that was unauthorized by me from Capital One on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
Someone used my personal information to open these account. I recently tried to apply for credit and was denied so that prompted me to check my credit report this month. I discovered all these accounts and was in shock. I didn't open any of these account. I am reporting this to take the necessary steps to protect myself and to request the removal of all fraudulent accounts related to this identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: AL

Complaint narrative:
Final attempt before litigation. Unauthorized tradelines appear on my credit report after being a victim of cybercrime. Respectfully asking for help in this situation.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS 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 non-monetary relief
Consumer complaint received 2025-08-21 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: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: MI

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Escalation of Identity Theft Complaint XXXX XXXXXXXX XXXX  Accounts I am filing this complaint against XXXX XXXX XXXX regarding fraudulent accounts that have been wrongly verified and continue to be reported despite clear evidence of identity theft. The accounts in dispute are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I previously disputed these accounts with the credit bureaus and XXXX XXXX XXXX. However, the company responded by 'verifying ' the accounts without providing any proof that I opened or authorized them. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( A ), unverifiable information must be deleted.

Furthermore, under FCRA 605B, upo
n receipt of a valid FTC Identity Theft Report, such fraudulent accounts must be blocked within four business days. I have submitted my FTC Identity Theft Report and supporting documents, yet the accounts remain. 
XXXX XXXX XXXX  continued reporting of these unverifiable and fraudulent accounts is a direct violation of FCRA 623 ( a ) ( 3 ) & 623 ( b ) ( 1 ) ( A ). 
I was incarcerated from XXXX through XXXX. These accounts were opened after that period and are fraudulent, as I did not and could not have authorized them. 
I respectfully request that the Consumer Financial Protection Bureau compel XXXX XXXX XXXX  and the credit bureaus to immediately delete these accounts from my credit file and provide confirmation of compliance. 
I am attaching copies of my FTC Identity Theft Report, identification, and supporting documentation for review. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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 REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH 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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a formal dispute of inaccurate information on my credit report. I want to make it clear that this complaint is valid and not submitted in error. The information in question does not meet the Fair Credit Reporting Acts requirement of maximum possible accuracy. 

These inaccuracies are causing ongoing harm and must be addressed without 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 non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: TX

Complaint narrative:
A debt collection agency, Summit AR, reported a collection account to XXXX  ( potentially other Credit Agencies as well ) for an alleged {$380.00} vehicle damage claim from XXXXXXXX XXXX XXXX XXXX. I disputed this claim with XXXX before any reporting occurred and provided photographic evidence that the vehicle was returned undamaged. XXXX never responded to my appeal request. Despite my evidence and communication, XXXX forwarded the claim to the collection agency Summit AR, who reported the debt as valid on XX/XX/year>, which dropped my credit score by XXXX points. Additionally, they failed to report the debt as disputed, violating my rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
On XX/XX/2025, I submitted a formal dispute to Transunion under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), providing my official FTC Identity Theft Report and requesting the immediate blocking of fraudulent accounts. By law, the agency was required to block the disputed information within four ( 4 ) business days.

Instead of complying, the bureau simply verified the account using internal data from the furnisher, without providing any written certification, signed contract, or details of the investigation, as required under FCRA 611 ( a ) ( 7 ) and 609 ( a ).

More than 30 days have passed, and the fraudulent account still remains on my credit file. This constitutes a violation of FCRA 605B, 611, and 607 ( b ), as the agency failed to : Block the information within the required 4-day period.

Provide the results of the reinvestigation and the verification procedures.

Remove unverifiable information from my report.

As a result, my credit score remains artificially low, I have been denied credit, I am forced to pay higher interest rates, and I continue to suffer financial and reputational harm.

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 2025-08-21 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: Experian Information Solutions 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 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I am a victim of identity theft. In 2025, I was the victim of a violent robbery in which I was shot and my wallet, identification, and personal information were stolen. Since then, fraudulent activity has been committed in my name without my knowledge or consent.

As a result of my stolen identity, accounts have been fraudulently opened and reported to the credit bureaus. Two examples include collection accounts for XXXX  ( {$1800.00}, reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$8200.00}, reported by Sunrise Credit Service ) . I never opened these accounts, never authorized them, and I dispute owing any balance. These accounts are fraudulent.

In addition, my credit reports are showing incorrect names, addresses, and employers that do not belong to me. Variations such as XXXX XXXX and XXXX XXXX are not names I have ever used. Certain addresses and employer listings also do not belong to me. These errors are directly related to the identity theft.

Because of this identity theft, I am suffering ongoing harm through false credit reporting, debt collection attempts, and the misuse of my personal information. I did not authorize any of these accounts, debts, or inquiries.

This is a case of full identity theft. I request that this FTC Identity Theft Report be recognized as proof that I am not responsible for any fraudulent accounts, debts, or inquiries made using my stolen identity. I will be attaching this FTC report to all disputes with the credit reporting agencies, the CFPB, and debt collectors so that they have formal notice of the theft.

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