vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 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: WA

Complaint narrative:
This account was cleared in full, but the report still lists it as having late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Withdrawals from a XXXX XXXX XXXXXXXX ATM from my Personal checking account. 
In the amount of {$250.00} included overdraft fee. 

Even though the card was in my possession, I am reporting that withdrawals were made at a XXXX  XXXX XXXX ATM and I am not the person who made them. 

But despite this very unfortunate event for me because I was the one affected by losing my money, they never sent me any alert about these withdrawals, for which I had set an ATM limit of {$50.00}, and the transactions were much higher than this amount. Even so, my account was overdrawn, and they continued allowing the ATMs to withdraw money, charging me an unrealistic amount for overdraft fees. 


While my bank account is still going through this whole process, they have kept my online access blocked without giving me any explanation for 15 days, thus affecting my monthly bill payments for which I have had to pay extra fees because of all these delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: DE

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint to report inaccurate personal information appearing on my credit reports with Experian, TransUnion, and Equifax. The reports are showing addresses, names, and employment information that do not belong to me. These inaccuracies are not minor they have the potential to impact my credit, cause misidentification, and create long-term issues if they are not corrected immediately.

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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint to report inaccurate personal information appearing on my credit reports with Experian, TransUnion, and Equifax. The reports are showing addresses, names, and employment information that do not belong to me. These inaccuracies are not minor they have the potential to impact my credit, cause misidentification, and create long-term issues if they are not corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
Over the past couple of months, I have called multiple times either by emailing calling or by texting to request information and or to transfer my stock funds into specifically my XXXX XXXX brokerage account but face many times where I was either not responded back to not helped ran around with other answers or not giving information on how to transfer my money over Which seems to be a self-serving effort. All I wanted to the information and help to transfer my money into my other brokerage account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LJ Ross Associates
State: NY

Complaint narrative:
LJ Ross Associates, from phone number XXXX has been non-stop harassing me through phone calls. 

Around or before XXXX, I started receiving calls from this number. About a few weeks of persistant calls, I filed a request to remove my number, stating they had the wrong number. This request was honored for only XXXX weeks. 

After those XXXX weeks, the calls reoccured, with calls made from every XXXX days to every XXXX days. I filed another removal request, once again informing them they had the wrong number. This time, the request was ignored. 

Calls have now swapped from XXXX EST to XXXX EST. 

I do not owe debts to anybody and I do not have any collection accounts with anybody. I have already, in good faith, informed them that they have the wrong number.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: CA

Complaint narrative:
I HOPE EVERYTHING IS GOING HOW IT SHOULD AND YOU PEOPLE ARE HELPING ME WITH THIS, BECAUSE IT XXXX BEEN AROUND XXXX  MONTHS SINCE THISSTARTED HAPPENING WITH ME. SOME PEOPLE HAVE MY INFORMATION AND ON MY NAME THEY OPENED XXXX XXXX WHATEVER WHICH I AM TRYING TO DEAL WITH NOW, I CALLED BUNCH OF COMPANIES BECAUSE OF THIS, EXPERIAN TRANSUNION, XXXX, XXXX TO ASK FOR HELP AND TO KNOW WHATS MY NEXT STE , E YOU WILL REALLY GET THIS SOLVED, AND WE CAN GET SOMEWHERE WITH THIS, THANKS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: CA

Complaint narrative:
I HOPE EVERYTHING IS GOING HOW IT SHOULD AND YOU PEOPLE ARE HELPING ME WITH THIS, BECAUSE IT XXXX BEEN AROUND XXXX  MONTHS SINCE THISSTARTED HAPPENING WITH ME. SOME PEOPLE HAVE MY INFORMATION AND ON MY NAME THEY OPENED XXXX XXXX WHATEVER WHICH I AM TRYING TO DEAL WITH NOW, I CALLED BUNCH OF COMPANIES BECAUSE OF THIS, EXPERIAN TRANSUNION, XXXX, XXXX TO ASK FOR HELP AND TO KNOW WHATS MY NEXT STE , E YOU WILL REALLY GET THIS SOLVED, AND WE CAN GET SOMEWHERE WITH THIS, THANKS.

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 2025-12-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
As president of XXXX XXXX XXXX XXXX XXXX I have had access to the safe deposit box rented from Citibank at XXXX XXXX XXXX, XXXX XXXX, NY XXXX since the XXXX XXXX in the name of XXXX XXXX XXXX XXXX XXXX. I last accessed the box about XXXX years ago. I went in to access the safe deposit box and was told that I was not allowed to access it. There has been no change in my status as XXXX of XXXX XXXX XXXX XXXX XXXX and there is no reason for Citibank to deny access.

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 2025-12-05 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON 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 explanation
Consumer complaint received 2025-12-05 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
XXXX XXXX XXXX responded to a XXXX complaint that my they verified this account as mine using a number that has been confirmed as NOT MINE by XXXX. XXXX XXXX XXXX also contends that mail was sent to an address where I do not reside. I am filing this complaint hoping that the evidence was overlooked and there was some missed oversight. SEE EVIDENCE FROM XXXX STATES THAT " XXXX '' IS NOT MINE! THIS COMPLETELY CONTRADICTS YOUR INVESTIGATION CONCLUSION AND PROVES THAT YOU DID NOT REVIEW MY EVIDENCE. YOU ARE RELYING UPON INACCURATE XXXX PARTY DATA. YOU ARE VIOLATING MY STATE AND FEDERAL CONSUMER RIGHTS. I will continue to escalate this matter until it is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: GA

Complaint narrative:
The medical providers and collection agencies have reported my medical bills to credit reporting companies and XXXXparty debt collectors in a way that I believe violates my privacy rights. I did not authorize them to share detailed information about my medical treatment or bills beyond what is minimally necessary, yet they have disclosed enough information for multiple collectors and credit bureaus to report these debts as medical collections. I am concerned this goes beyond what is allowed under health privacy laws and the limits on what can be shared for credit reporting and collection purposes. 
Because they have shared and used my medical information improperly and then reported these medical collections inaccurately, I am not asking for a correction or update. I am asking for these medical collection tradelines to be completely removed from my credit reports. The collectors should also be required to stop using or sharing my medical information for collection and credit reporting. I want the companies and the credit bureaus to fully investigate how this medical information was shared, whether it complied with applicable privacy and credit reporting rules, and to permanently delete these medical collections from my credit files as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am reporting an unauthorized and fraudulent account that was added to my credit report without my knowledge or permission. I did not open this account, apply for credit with this company, authorize anyone to do so on my behalf, or receive any benefit from it. This account is the result of identity theft. 

I discovered the account while reviewing my credit report and immediately contacted the credit bureaus to request removal under 15 U.S.C. 1681c-2 ( FCRA 605B ). I provided verification of my identity and stated in writing that this account is fraudulent and does not belong to me. 

The furnisher and/or credit bureau has failed to properly investigate or remove this fraudulent information, which is continuing to harm my credit and cause financial damage. I am requesting the CFPBs assistance to have this unauthorized account blocked and permanently deleted as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: TN

Complaint narrative:
I am submitting this complaint because your bureau continues to report a fraudulent account from XXXX XXXX XXXX XXXX, Account Number : XXXX  XXXX, despite my identity-theft filing and reinvestigation requests. 

I have now obtained new evidenceprovided by XXXX themselvesshowing that the loan agreement they rely on is fabricated and fraudulent. 

Key Facts Proving Fraud and Inaccuracy : XXXX. XXXX document lists an address that does not exist : XXXX XXXX XXXX XXXX, XXXX, TN XXXX - XXXX confirms this is not a real address. 
- I have never lived there. 

XXXX. My actual 2023 address was : XXXX XXXX XXXX XXXX, XXXX, TN XXXX - XXXX did NOT use this address. 

XXXX. Leafy used an IP address that maps to ZIP XXXX, a ZIP code I have never lived in or used. 

These contradictions prove that the Leafy account is not mine and that its documentation is not legitimate, not verifiable, and not accurate. 

Your Legal Obligations : FCRA 605B : You must block this fraudulent account. 
FCRA XXXX : You must permanently delete unverifiable and factually inaccurate information. 
FCRA 1681e ( b ) : Continuing to report known false data violates reasonable accuracy procedures. 

Exhibits Provided : My original FTC Identity Theft Report ( Exhibit A ) My government ID ( Exhibit B ) Proof of current address ( Exhibit C ) Evidence demonstrating the address contradictions : -Falsified/phony Loan Document from XXXX XXXX XXXX XXXX with address and IP address circled ( Exhibit D ) -Proof of previous address ( Exhibit E ) -Proof of current address ( Exhibit F ) -XXXX proof that claimed address on phony loan doc is not valid ( Exhibit G ) -Proof XXXX provided this bogus document in a XXXX  response ( Exhibit H ) -Proof IP address is in a third Zipcode ( Exhibit I ) Requested CFPB Action : Compel immediate 605B blocking Compel permanent deletion under FCRA 1681i Require your bureau to update its accuracy procedures Provide written confirmation of deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year> I attempted to make a with drawl from my account XXXX  times each time I got a different message XXXX time it said chip error XXXX time it said Un able to read card XXXX time it said XXXX able to reach host. After the XXXX one I got a message asking if it was me try to withdraw the funds I said yes. At that time it allowed me to get XXXX dollars out how ever I was still charged for the transactions I did not receive the Money. So they deducted XXXX dollars out of my account for the XXXX transactions that never went through. I filed a dispute they gave me credit for XXXX of the transaction. Are refusing to return the remaining g money back to my account and with hold a check sent to me from my investment firm. And are closing my account all do to me filling a dispute over this matter I don't beleave they have any right to take the check from my investment firm wich had nothing o to with any of the said transatctions

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 2025-12-05 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: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-05 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: CA

Complaint narrative:
The account was fully settled, but it continues to display late payment notations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Selene Holdings LLC
State: CA

Complaint narrative:
My financial issues with this property began during the covid restrictions of XXXX. My issues with my current short sale process began on XX/XX/XXXX when I had my listing agent list the property for sale after many failed loan modification attempts and dealing with foreclosure sale dates on the property. I have applied several times with my current servicer and each time either the short sale is completely dropped due to the bank wanting far more than what the appraised value of the property is worth, which then turns off the buyers we have in contract. Due to the slow process, I have had to file a chapter XXXX bankruptcy, twice, so that I could not get foreclosed on while I continue with the short sale process. My loan was transferred from XXXX XXXX XXXX XXXX Selene Loan Servicing around XX/XX/XXXX of XXXX and the problems I had with XXXX have persisted with XXXX. We have submitted at least XXXX separate offers and each time the bank either comes back wanting far more than what the property appraises for or there is major miscommunication from the person at the bank. For example, with the most recent offer we submitted a few months ago. The buyer submitted an offer for {$450000.00}. The Broker Priced Opinion ( appraisal ) ordered by the bank itself, came in at {$510000.00}. The rep at the bank asked for my realtor to wait for the investor to review our offer, now that the new value came in at {$510000.00}, and a few weeks later the bank rep comes back asking for {$560000.00} even though the bank 's own XXXX valued the property at {$510000.00}. My realtor then asked if the buyer would be ok with the price of {$560000.00}, and asked the bank rep if the {$560000.00} would include commissions, escrow fees, relocation costs, etc ( all the standard fees paid through a short sale process ), so that the bank can NET at least the {$510000.00} that the property is worth... and at first the bank rep says yes. Then later on the bank rep asks my realtor for a closing statement where the bank reflects a NET to the bank of {$560000.00} which was completely contradictory to what my realtor was told by the bank rep prior. Right now I just want to sell my property but due to all the confusion, and so far it has been impossible to do so, due to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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