vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: FL

Complaint narrative:
Re : Dispute of Accounts Due to Identity Theft Account : XXXX XXXX, XXXX XXXX, Auto Nation Finance To Whom It May Concern, I am writing to inform you that I am a victim of identity theft and to formally dispute all accounts and collections appearing on my credit report that are the result of fraudulent activity. I request that all fraudulent accounts and collections be blocked from my credit report in accordance with the provisions of 15 U.S. Code 1681c-2.

I have filed a police report regarding this matter, and I have attached a copy of the report for your reference. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you block all accounts and collections related to this fraudulent activity within 4 business days of receiving this dispute. You are required to block such information within this timeframe under the law. 
Additionally, I demand that you do not reinstate any previously deleted accounts that were removed due to fraudulent activity. The law clearly prohibits the reinsertion of such accounts without following the proper notification and accuracy procedures as outlined in 15 U.S. Code 1681i ( 5 ). Given the nature of identity theft, I request that these fraudulent accounts remain permanently blocked and that no negative information tied to these fraudulent activities be reinserted into my credit report.

As part of my dispute, I request that you provide written confirmation that the fraudulent accounts have been blocked and that all necessary actions have been taken to prevent further fraudulent activity from appearing on my credit report. Please also provide a status update regarding the reinsertion of deleted accounts and confirm that no reinsertion has occurred without following the required legal procedures.

For your reference, I have included the following documentation : 1. A copy of my police report detailing the identity theft.

2. A list of fraudulent accounts that I have identified and that I believe are the result of this theft ( if applicable ).

Failure to comply with these requests within the legal timeframe will result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Better Business Bureau ( BBB ), and may lead to further legal action.

I expect a written response confirming the blocking of fraudulent accounts and assurance that no accounts will be reinserted without due process.

Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I was accused by my bank of submitting a fraudulent check related to an IRS-issued payment, even though the check was legitimate and cashed. The check was issued to me by the IRS, deposited into my account, and cleared by the bank, yet I was wrongfully accused of fraud. This has caused unnecessary delays in my access to my entitled funds.

Despite the check being legitimate, the bank disclosed personal financial information related to the check and my closed account without my consent. I was not informed of who this information was shared with, and the bank has refused to release the funds. Instead, I have been forced to go directly through the IRS to resolve an issue that should not have existed. The banks actions are causing significant delays in obtaining funds that I am rightfully owed. 

Additionally, the bank has requested my tax return, but has not provided a legal justification for this request, especially given that I am not applying for any new credit or loans. I believe this violates my rights under the XXXX XXXX and the Right to Financial Privacy Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: IL

Complaint narrative:
Debt collection company : Jefferson Capital Syst Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX Repeat calls, emails & texts If a consumer notifies a debt collector that the consumer refuse to pay a debt the debt collector must cease all communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NJ

Complaint narrative:
I am writing to report identity theft. While reviewing my credit report, I discovered several fraudulent accounts that I did not authorize. These accounts are not mine, and I have no connection to them. These inaccurate accounts are negatively impacting my credit score, limiting my ability to obtain credit, and causing significant inconvenience. I request the immediate removal of these fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio recovery claims they have a legitimate debt against me, one that I know that I had paid off. To date, they are refusing to provide me with any documentation of this debt and my financial records from XXXX XXXX. The so called initial letter informing me of their purchase of the debt was sent to the incorrect address in XXXX, thus I was not aware of portfolio recovery involvement and given my legal right to dispute that debt. They have failed to properly contact me and provide any documentation. I do not have a debt with this credit card company. The credit card was paid off and closed in XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: LA

Complaint narrative:
Subject : Dispute Regarding Inaccurate Claim on LexisNexis Report Claim Number XXXX To Whom It May Concern, I am writing to formally dispute an inaccurate entry that appears on my LexisNexis consumer report. The entry in question pertains to Claim Number XXXX, which is listed as a water freezing claim with an amount of {$0.00}. 

This claim should not appear on my consumer report, as it was not a paid or settled claim, and it holds no financial significance. Including a {$0.00} claim inaccurately represents my insurance history and could negatively impact my ability to obtain favorable insurance terms. 

I respectfully request that the CFPB assist in having this claim removed from my LexisNexis report in accordance with the Fair Credit Reporting Act ( FCRA ), as it constitutes inaccurate and misleading information. 

Please confirm receipt of this dispute and advise me of any additional documentation required to support this request. 

Thank you for your time and assistance. 

Sincerely, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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 submitting this complaint because my credit report still includes a XXXX XXXXXXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on which I was only an authorized user and have already been removed by the primary account holder. Despite this, TransUnion continues to report the account as Open, with a 30-day late payment, and as recently active and reported as of XXXX XXXX XXXX 

I am not legally responsible for this account, nor have I had access to it or used it in any way since my removal as an authorized user. The late payment and ongoing reporting are misrepresenting my credit profile and unfairly affecting my score, especially because I never had any contractual responsibility for this debt. 

According to the FCRA, credit reporting agencies are required to maintain only accurate and relevant information ( 15 U.S. Code 1681e ( b ) ), and under 15 U.S. Code 1681i, I have the right to dispute any information that is outdated or unverifiable. Since I am no longer connected to this account, this late payment should not appear on my file. 

TransUnion is the only credit bureau that continues to report this account inaccurately. The other credit bureaus have already removed it, and its presence here is both misleading and harmful. 

I submitted a formal dispute with supporting documents, but the bureau did not correct the issue. I now turn to the CFPB for help in enforcing my rights under federal law.

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 2025-04-22 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: IN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-22 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: CA

Complaint narrative:
XXXX XXXX Address : XXXX XXXX XXXX Place, XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX FTC Identity Theft Report Number : XXXX Date : XX/XX/XXXX To : XXXX, Experian, and XXXX  Subject : URGENT FCRA COMPLAINT DEMAND FOR DELETION OF FRAUDULENT ACCOUNTS & INQUIRIES I, XXXX XXXX, am filing this formal complaint against all three nationwide credit reporting agenciesXXXX  Experian, and XXXX continuing to report fraudulent accounts, collections, personal addresses, and credit inquiries that I have never authorized, opened, or consented to. 

I am a confirmed victim of identity theft, as documented in my official FTC Identity Theft Report ( # XXXX ), which has been attached and sent to each of you. 

The following accounts are fraudulent and must be permanently deleted from my credit file under 15 U.S. Code 1681c-2 Block of information resulting from identity theft : XXXX  XXXX XXXX | Acct # : XXXX | Opened XX/XX/XXXX | Amount : {$1100.00} XXXX XXXX XXXX XXXX Acct # : XXXX | Opened XX/XX/XXXX | Amount : {$310.00} Additionally, you are reporting unauthorized inquiries and personal address information tied to identity theft, including : Credit Inquiries : XXXX BANK XXXX XXXX XXXX XXXX Bank Delaware XXXX XXXX : XXXX Pumice, XXXX XXXX XXXX XXXX These entries were obtained and reported without my consent and violate the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681b No permissible purpose exists for these entries.

15 U.S.C. 1681e ( a ) You failed to maintain reasonable procedures to prevent the reporting of fraudulent data.

15 U.S.C. 1681i ( a ) You failed to perform a lawful reinvestigation upon my dispute. 
15 U.S.C. 1681c-2 ( a ) Upon receipt of my FTC Identity Theft Report, you are required to block and delete all information resulting from identity theft within XXXX business days. 

I demand that you : 1. Permanently DELETE and BLOCK all accounts, inquiries, and addresses listed in the FTC report.

2. Cease and desist from reporting or re-inserting these fraudulent items under 15 U.S.C. 1681a ( a ) ( 5 ).

3. Provide written confirmation of deletion and blocking within XXXX business days. 

Failure to comply with this request will result in legal action, including but not limited to filing complaints with the CFPB, FTC, Attorney General, and pursuing statutory and actual damages under 15 U.S.C. 1681n and 1681o for each violation. 

I am requesting immediate compliance with the FCRA and a full removal of all items listed in the attached FTC Identity Theft Report. 

Sincerely, XXXX XXXX FTC Report # 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 2025-04-22 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Block, Inc.
State: CT

Complaint narrative:
On XX/XX/year> I was on XXXX. I stumble upon a learning ad for children. I thought that it would be a good learning tool for my daughter. I purchased for what I thought to be XXXX but was charged three times. A charge for XXXX another charge for XXXX and the last charge was XXXX. Cash app let all three charges go through which was strange because normally I would get declined if it was a suspicion. However when I got charged the three times I instantly canceled and asked for a refund from the company. When I reached out to the company via email I was told therere no refunds even after I cancelled within three minutes of being charged three times. This company used my card three times but I only thought I was paying the XXXX. I also reached out to cash app and sent them pics of the charges and they told me therere was nothing that they can do that Im out of my money. This company is called XXXX and they are charging under false misrepresentation because they withheld information from me. If I knew I would pay XXXX for an app I wouldve never. I have subscriptions on my phone and none of them are even close to XXXX. No where does it say they will charge your card three times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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 explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year>, a wire transfer of {$64000.00} USD was successfully initiated by a customer via CitiXXXX  to my Citibank account. As of today, the funds have not been posted to my account despite being confirmed as received by Citibank USA. I have contacted Citibank daily since XX/XX/XXXX. The issue was escalated internally by a representative on XX/XX/XXXX, but I have received no follow-up or resolution. Customer service has been uncooperative and inconsistent. I contacted my Relationship Manager ( XXXX XXXX ) and Senior Business Relationship Manager ( XXXX XXXX XXXX, both of whom deferred the issue to the wire department. I requested a formal complaint process and was told I could not file XXXX myself, only the representative could file it internally. This has caused over {$10000.00} in business losses and severely affected my operations.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm submitting this complaint with certainty and deep frustration. My credit report contains numerous errors that I can no longer ignore. These inaccuracies have severely damaged my credit score, preventing me from achieving financial stability and freedom. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Some payments I made to my citibank credit card balance were not credited to my citibank account for over a week, even though they had been withdrawn from the XXXXXXXX XXXX checking account I used to make the payments, cleared, posted, and settled the same day. The payments totaled {$8500.00} and for a week I did not have access to my money because it had been taken by Citibank from my XXXX checking account, but not credited to my citibank credit card account. I was on vacation with my family at the time and made the payments so that I could use my citibank credit card to pay for vacation expenses. This created a significant hardship for me because I did not have access to my money while on vacation. 
The payments held were {$5000.00} on XXXX, {$1000.00} on XXXX, and {$2500.00} on XXXX. 
The {$5000.00} was finally credited to my account on XXXX. The other two payments have not yet been credited to my account. 
I contacted citibank via online chat twice on XX/XX/XXXX and XX/XX/XXXX and via phone twice on XX/XX/XXXX. The chat reps said the funds were being held for security purposes to ensure they cleared and that I had to call customer service to have them release the funds. NOTE that a {$5000.00} payment that I made a week before, from the same XXXX checking account had been immediately credited to my citibank card account without issue, and another {$2000.00} payment I made during the same week as the held payments was also credited immediately - so clearly there was no verification of my payment account needed. 
The first time I called customer service on XX/XX/XXXX, I waited over XXXX minutes to get a representative - they said they could not release the funds even though I explained that other payments had been credited successfully and that the payments had fully posted and settled from my XXXX Checking account. Then when I asked to speak to a supervisor, the citibank rep simply hung up on me. I called back again, and did eventually get to speak with a manager, who was completely rude and also refused to credit my money to my citibank account or to refund the money to my XXXX account. 
In summary - my complaint is that citibank was in full, cleared, and settled possession of {$8500.00} of my money but refused to give me access to that money by crediting it to my account.

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 2025-04-22 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief