vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Veros Credit, LLC
State: GA

Complaint narrative:
- according to the fair credit report act legal these unverified and unauthorized items must be removed due to the fair credit act these inquiries needs to be removed immediately 15 USC 1601- outlines the congressional findings and declaration of purpose for the Truth in Lending Act ( TILA ). It establishes that the informed use of credit strengthens the economy and competition among financial institutions, and that disclosing credit terms to consumers is crucial for them to make informed decisions and avoid the uninformed use of credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased a monitor and XXXX XXXX XXXX on XX/XX/XXXX, initially they both said they would arrive Friday. After work Friday I come home and wait for my packages and don't see any. I contact them and they said both have delivered. The XXXXXXXX XXXX XXXX said that it was in transit on the bestbuy app. Regardless I never got them and contacted bestbuy, their representative XXXX said I would be refunded this was on XX/XX/XXXX. I never got the refund and contacted bestbuy again but this time they said according to the shipper it was delivered and that they would not be refunding me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX there began being fraudulent transactions from XXXX XXXX on my debit card. There were a total of 2 transactions done using my debit, I never received a fraud alert or any type of notification of these transactions. Upon logging in my account and seeing these transactions I called my bank PNC to report them immediately. After several days of waiting with no update I called PNC today XX/XX/XXXX to ask what was going on. I was told by the representative my claim had been denied, and the only reason she could give me why was that she was told the charges were valid. However, I have never used XXXX XXXX EVER before. I have never allowed anyone to use my card or done anything whatsoever with this company. My PNC account clearly shows someone else 's name on these transactions. I asked that I be given specific reasons and asked to escalate my claim, to which she basically told me I can't escalate my claim and all she can do is ask a manager to call me because I disagree with the decision. This is not satisfactory, I want to escalate my claim for it to be looked at and investigated and dispute whatever reason their saying these charges were authorized which they refused to tell me. Speaking with a man that she says will call me sometime this week is unacceptable and will not help me. There is no way they could have done a proper investigation within 3 days. They are simply denying my claim without taking this fraud seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-01 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: Servicer under contract with Federal Student Aid
State: CT

Complaint narrative:
I am disputing a student loan account being reported under my name. The account shows an open date of XX/XX/ 2025, and a charge-off balance of {$1900.00}. I never attended any school or applied for any federal loan during this time. This account is not mine. I have never signed any promissory note, nor received any disbursement related to this loan. I requested validation and supporting documentation from the servicer and received no response. This is an instance of inaccurate reporting and possibly identity theft. I am requesting a full investigation and immediate removal of this account from my credit file.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-07-01 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: EQUIFAX, INC.
State: ME

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
What happened : As of XX/XX/2025, my federal student loan serviced by Aidvantage is being inaccurately and unlawfully reported on my credit reports. The account is showing a balance owed that is incorrect, and it also shows 24 late payments that are false. I have maintained my repayment schedule without missing payments, and this information does not accurately reflect my account history. 

This reporting violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x, which requires that information furnished to consumer reporting agencies be complete and accurate. Specifically : Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher 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.

Under 15 U.S.C. 1681s-2 ( b ), once a consumer notifies a furnisher of a dispute, the furnisher must conduct a reasonable investigation and correct or delete any inaccurate information. 

Further, the Higher Education Act ( 20 U.S.C. 1087a et seq. ) requires accurate servicing and reporting of federal student loan information.

If Aidvantage is acting in any debt collection capacity, this false reporting also constitutes violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits any false, deceptive, or misleading representation in connection with the collection of any debt. 

Actions I have taken : I have obtained and reviewed my credit reports from XXXX XXXX XXXX XXXX 

On XX/XX/, I filed a dispute directly with each credit bureau regarding these inaccuracies and provided documentation supporting my payment history and correct account status. 

On XX/XX/2025, I contacted Aidvantage in writing to request immediate correction of this information and compliance with federal law. 

To date, these inaccuracies remain uncorrected and continue to damage my credit profile unlawfully. 

Requested resolution : Remove all references to late payments on this account. 

Correct the reported balance to reflect accurate and current information. 

Cease any further reporting of inaccurate information. 

Promptly notify XXXX XXXX XXXX XXXX of the corrected information in compliance with 15 U.S.C. 1681s-2 ( b ). 

Provide me with written confirmation of the corrections within 30 days as required under federal law. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: VA

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX VA XXXX ACCOUNTS : XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5300.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3900.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$8800.00} INQUIRIES : XXXX XXXX Date : XX/XX/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 2025-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In XX/XX/XXXX, a family member who had an account with American Express passed away. I contacted American Express to inform them of her death, but somehow they switched her account information to my name, Social Security number, and other personal details. 

In XX/XX/XXXX, my grandparents received a letter from American Express stating that I was deceasedalthough I am very much alive. I called AMEX to clarify that it was the original cardholder who had passed away, not me, and I was told the issue had been resolved. 

In XX/XX/XXXX, while I was out of town, my husband received a letter stating that I was deceasedthough thankfully, I am very much alive. I again called AMEX to inform them of their mistake and was once more told that it had been taken care of. 

I then began receiving bills from AMEX for charges that were not mine. The original cardholder had opened the account back in XXXX. I have never shared the same last name as her. I sent all the necessary documentation to AMEX but never received a response. Instead, I was sent to collections, subpoenaed to court, and am now being forced to pay over {$50000.00} for a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
Subject : Identity Theft Complaint Negative Credit Reporting Due to Equifax Data Breach To Whom It May Concern, I am submitting this formal identity theft and data breach complaint as a result of the Equifax data breach, which compromised my personal information. I am the victim of unauthorized use of my credit profile, and there are negative items listed on my credit reports that I did not authorize, open, or consent to. 

Equifax admitted to a data breach in XXXX that exposed the personal information ( including names, Social Security numbers, dates of birth, addresses, and drivers license numbers ) of over XXXX XXXX consumers, including myself. This breach directly impacted my ability to maintain accurate credit records. 

Details of the Issue : I have discovered derogatory accounts/collections/unauthorized inquiries on my credit reports ( Experian, TransUnion, and Equifax ) that I did not initiate. 

These negative accounts are causing harm to my credit standing, which is unjustified given that my identity was compromised through no fault of my own. 
XXXX. XXXXXXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX I have no prior knowledge of these accounts or transactions, and I never gave authorization for them. 

This is a direct consequence of the negligence displayed by Equifax in protecting consumer data. 

My identity was compromised in the Equifax data breach ( XXXX ). XXXX XXXX XXXX. 

I have filed a dispute with the credit bureaus and provided documentation of my identity. 

I am requesting immediate removal of any fraudulent, inaccurate, or unverifiable negative items under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

These items must be removed unless you can fully validate them with original signed contracts and verified chain of custody.

Legal Notice : Per 15 U.S. Code 1681i ( FCRA ), if an item can not be verified, it must be removed within 4 days days. Additionally, under the FCRA and the FTCs guidelines, any information that results from identity theft must be blocked from credit reporting.

Failure to comply may result in civil and legal action, as I am prepared to escalate this matter to my states attorney general, the Consumer Financial Protection Bureau ( CFPB ), and pursue a private right of action under the FCRA. 

Requested Action : Immediately remove all negative and unauthorized items from my credit reports. 

Provide me with written confirmation of the deletions. 

Implement a security freeze or fraud alert if necessary. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
Subject : Identity Theft Complaint Negative Credit Reporting Due to Equifax Data Breach To Whom It May Concern, I am submitting this formal identity theft and data breach complaint as a result of the Equifax data breach, which compromised my personal information. I am the victim of unauthorized use of my credit profile, and there are negative items listed on my credit reports that I did not authorize, open, or consent to. 

Equifax admitted to a data breach in XXXX that exposed the personal information ( including names, Social Security numbers, dates of birth, addresses, and drivers license numbers ) of over XXXX XXXX consumers, including myself. This breach directly impacted my ability to maintain accurate credit records. 

Details of the Issue : I have discovered derogatory accounts/collections/unauthorized inquiries on my credit reports ( Experian, TransUnion, and Equifax ) that I did not initiate. 

These negative accounts are causing harm to my credit standing, which is unjustified given that my identity was compromised through no fault of my own. 
XXXX. XXXXXXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX I have no prior knowledge of these accounts or transactions, and I never gave authorization for them. 

This is a direct consequence of the negligence displayed by Equifax in protecting consumer data. 

My identity was compromised in the Equifax data breach ( XXXX ). XXXX XXXX XXXX. 

I have filed a dispute with the credit bureaus and provided documentation of my identity. 

I am requesting immediate removal of any fraudulent, inaccurate, or unverifiable negative items under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

These items must be removed unless you can fully validate them with original signed contracts and verified chain of custody.

Legal Notice : Per 15 U.S. Code 1681i ( FCRA ), if an item can not be verified, it must be removed within 4 days days. Additionally, under the FCRA and the FTCs guidelines, any information that results from identity theft must be blocked from credit reporting.

Failure to comply may result in civil and legal action, as I am prepared to escalate this matter to my states attorney general, the Consumer Financial Protection Bureau ( CFPB ), and pursue a private right of action under the FCRA. 

Requested Action : Immediately remove all negative and unauthorized items from my credit reports. 

Provide me with written confirmation of the deletions. 

Implement a security freeze or fraud alert if necessary. 

Sincerely, 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 2025-07-01 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: MO

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$7100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$6400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$7900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief