vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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:
I am writing to dispute the following items on my credit report, which I believe are inaccurate or incomplete. The information provided below is separated by credit bureau, and I request that you investigate these issues accordingly. 

INQUIRIES XXXX, XX/XX/year>XXXX XXXX XXXXXX/XX/year> LATE PAYMENT XXXX XXXX XXXXXXXX

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 2025-12-16 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: NJ

Complaint narrative:
I am reporting inaccurate and harmful credit reporting related to my XXXX XXXX XXXX credit card acct # ending XXXX. 

Prior to XX/XX/year>, my account carried a nominal {$5.00} balance. On XX/XX/XXXX, XXXX posted an annual fee that caused a temporary balance of approximately {$600.00} to appear and be reported mid-cycle to the credit bureaus. I immediately paid the fee the same day, returning the balance to {$5.00}. 

This balance was not the result of spending, revolving debt, or delinquency. It was a fee-only charge that was paid immediately and never carried to a statement cycle. Despite this, the mid-cycle reporting created artificial utilization and negatively impacted my credit scores across XXXX  Equifax, and XXXX 

Reporting temporary, fee-only balances that are paid immediately outside of the normal statement cycle does not accurately reflect consumer credit behavior and results in misleading credit data. I consistently pay my accounts before statement close, and this reporting does not represent my true utilization or risk profile. 

I am requesting corrective action to ensure accurate reporting and to prevent continued harm from temporary, non-representative balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: NV

Complaint narrative:
Im not involved with these accounts and didnt approve their setup. Please check into this and remove them from my record. Evidence accompanies this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: WA

Complaint narrative:
In XX/XX/year> my Grandmother placed an order for a blender for me through Seventh Avenue. She had ordered a few items for me for my new apartment and had them sent to me in XXXX  XXXX. In XX/XX/year>, I received a bill in the mail for {$170.00}. Confused by this, I reached out to inform them that I did not open an account with them, this order should be under my Grandmother 's account. They informed me that my Grandmother needed to send a notarized letter stating that she was in fact responsible for the payment of the item that was ordered. My Grandmother had the notarized letter made on XX/XX/year> and it was sent on XX/XX/year>. On XX/XX/year> I received another bill in the mail for the amount of {$200.00}. I called Seventh Avenue to make a complaint. They said they were sorry and that the account should be closed now. I requested they send me a letter documenting that they have indeed closed the account and that all reporting to a credit agency be removed from my credit report. The behavior from Seventh Avenue is unacceptable and needs to be addressed. This kind of tactics can disrupt someones livelihood and tarnish their credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I was mislead by Huntington XXXX XXXX to make a {$7000.00} payment on a closed account without being notified of its closure. On XX/XX/XXXX I spoke with a representative inquiring about the status on my account.I was informed after 120 days without payment my account would be closed. I did inform the representative I would liquidate some assets and make a larger payment to keep the account active. In the 119th day I made a payment of {$7000.00}. I looked at the aching days later to see it was suspended and not active after the payment. On XX/XX/XXXX ( XXXX ), XX/XX/XXXX, XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and several other times I requested the account be reviewed by management for an active status. I was rudely addressed by the collections manager stating, my account was closed after 90 days, & a notice was mailed. I never received a written notice of closure, nor was I informed my the representative I was making a payment t on a closed account. Huntington XXXX XXXX deceitfully waited until the payment was made, before disclosing the account would never be opened in an active status. I requested the payment be reversed and was only given an amount of just over {$630.00} back. The company knew the account was closed and never divulge the information so the consumer could make a educated decision on how to handle the account going forward. I would have use that {$7000.00} along with additional money to settle the account, but I was never given that opportunity due to deceitful practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kriya Capital, LLC
State: MO

Complaint narrative:
This account was included in Bankrupts and sold to another collection agency. This account was over 8ys old, but XXXX XXXX XXXX keep selling to other companies. 

Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verification of Debt Amount in dispute : {$1300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
This has been on my credit for a long time and I went through the process with life lock to get it removed as its fraudulent. It is a XXXX account collection set up with phone numbers that are not associated with me. I have tried to get this resolved for over 2 years and it is still reflecting. Ive gotten mail about this too. In the past I talked to life lock and the debt collector but it never went away

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft and filed an official FTC Identity Theft Report ( Report # XXXX ). Despite this documentation, TransUnion continues to report accounts and negative information that I did not open, authorize, or benefit from. 

The fraudulent information includes accounts related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and any associated collection activity.

These accounts were opened without my knowledge or consent. I did not apply for them, sign any agreements, or receive any benefit from them. 

Under the Fair Credit Reporting Act, identity-theft-related information must be blocked and removed. I am requesting that TransUnion delete these fraudulent items, prevent reinsertion, and provide written confirmation of how each account was verified.

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 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
At Bank of America, someone accessed my account in person and accessed over {$15000.00} using improper ID verification. The bank violated its own internal policies by allowing access without proper identification, and later lost the transaction records, which may constitute spoliation of evidence.

Despite filing a timely dispute under Regulation E of the Electronic Funds Transfer Act, the bank refused to investigate or reimburse the funds. I have already filed reports with the police, FTC, and CFPB, and I possess : Proof of incarceration during the time of the transactions A signed witness statement from a bank employee Documentation of dependent harm, including XXXX for my children Evidence of bank policy violations and failure to follow federal consumer protection laws This case involves unauthorized transactions, banking negligence, Regulation XXXX violations, and potential civil rights implications due to the banks refusal to investigate based on my incarceration status.

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 monetary relief
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
I am writing to dispute the following accounts on my Equifax credit report. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation into the accuracy of the reporting, as the information is potentially incorrect or incomplete. 
Account Information for XXXX  XXXX : Account Name : XXXX  XXXX Account Number : XXXX Date Opened : [ Insert Date ] Balance : {$470.00} Status : Positive While the account is marked positive, the last verified date and status of this account may be inaccurate. There is a possibility that incorrect dates and data breaches might have led to discrepancies in reporting. According to FCRA Section 605, data must be reported in a timely and accurate manner, and any discrepancies could be a violation of the law. 
Account Information for XXXX XXXX : Account Name : XXXX XXXX Account Number : XXXX Balance Owed : {$8000.00} Status : Negative

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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:
Dear Sir/Madam, I am writing to formally dispute the accuracy of the information reported by the following creditors, as they are incorrect and have negatively impacted my credit report. The details of the accounts in question are outlined below for each bureau. 

Charged Off Accounts : 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, XX/XX/XXXXXXXX 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 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We are a law office, in business since XXXX. We have a trust account with Wells Fargo. 

We were in litigation with the XXXX XXXX PA law firm. We were in email communications as we reached a settlement agreement. The hacker got into the email chain, Real attorney email address = XXXX Hacker email address = XXXX The hacker accepted a {$60000.00} settlement and sent wire instructions for a Wells Fargo account, in the name of the real XXXX Singer law firm. 

The wire was sent over the course of XXXX consecutive days, {$25000.00} XX/XX/XXXX, {$25000.00} XX/XX/XXXX and the final {$10000.00} on XX/XX/XXXX. 

On XX/XX/XXXX, moments after the wire, I noticed the email address, XXXX instead of XXXX. I immediately called the law office, XXXX XXXX. The actual XXXX XXXX XXXX XXXX does not bank with Wells Fargo. I immediately went to the bank, Wells Fargo, my bank and the receiver 's. The last wire had not yet cleared. Yet, the next day, the wire cleared. The receiver 's account information then showed up, the name on the account was XXXX XXXX, and the individual name on the account was XXXX XXXX XXXX XXXX Singer. 

Wells Fargo stated the " other bank '', meaning the other Wells Fargo in XXXX, FL ( we are in XXXX XXXX, FL ) did not respond. Wells Fargo refuses to replace the funds or even close the fraudulent business account ( XXXX XXXX is a large debt collection firm in XXXX Florida ) and someone has an account in their name! Approved by Wells Fargo.

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 2025-12-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Credit Karma, LLC
State: CA

Complaint narrative:
In 2023, Credit Karma presented credit offers as pre-approved or having high approval odds. I relied on these representations and applied, but was denied. Credit Karma accessed my credit report and monetized my application despite the misleading nature of the approval representations. This resulted in unnecessary hard inquiries and credit score damage. I believe this violates the Fair Credit Reporting Act and California consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: GA

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 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I am submitting this complaint regarding XXXX handling of my Citi checking account closure, frozen funds, and ongoing online banking access issues that have impacted my ability to manage my XXXX Citi credit card accounts. 

In XX/XX/year>, Citibank closed my checking account without providing any clear explanation or meaningful information. At the time of closure, the funds remaining in my checking account were frozen. I was informed by Citi that I would not be able to receive my remaining balance for 6090 days ( or longer ), despite requesting clarification and a timeline for release of my funds. To date, I have not received a clear written explanation for the closure and/or the hold on my funds, nor a definitive timeline and status update. 

In addition, since the checking account closure in XXXX, Citibank has made it extremely difficult for me to access my online banking, which I rely on to make payments, manage my accounts, and receive my statements for my XXXX Citi credit cards. Repeatedly, when I attempt to log in, I receive a message indicating that my access is blocked, and I am forced to call customer service. This has been occurring consistently since XX/XX/year>. Each time, I am required to spend significant time contacting Citi, and the issue is not permanently resolved. This has caused ongoing disruption, anxiety, and risk of missed payments or inability to access statements and account notices. 

I feel that I have been treated unfairly and possibly discriminated against due to the abrupt account closure without explanation, the extended hold on my funds, and the ongoing restriction of online access without an effective resolution. Citibank has not made a meaningful effort to permanently fix the online access issue or to clearly explain the account closure and hold. 

I am requesting the following resolution : XXXX restoration of full online banking access for my Citi profile and credit card accounts, without repeated blocks requiring phone calls. 

A written explanation ( with specific reasons ) for why my checking account was closed and why my funds were frozen/held. 

XXXX release and return of my remaining checking account balance ( or, if Citi claims a hold is still required, a written legal basis, hold start date, expected release date, and the exact steps required for release ). 

Written confirmation that I will continue to have uninterrupted access to statements and payment functionality for my XXXX Citi credit cards. 

Any fees, interest, or negative impacts resulting from XXXX restricted access ( including payment delays caused by these access blocks ) should be reversed/waived, and any credit reporting issues should be corrected.

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 2025-12-16 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:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: PA

Complaint narrative:
I see that inaccurate late payments are still appearing on my credit reports today, and I am extremely frustrated. The inaccurate late payments were not removed when I refreshed my browser. I urgently request that the documents I submitted be reviewed carefully so I never have to deal with this worry again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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