vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 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: NE

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 2025-09-14 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: NC

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
XX/XX/year> I made a transfer to my checking account from my VENMO account. I checked the balance of my checking account and the funds were not there. 

I called VENMO to explain that a CARD was added to MY VENMO account not authorized by me and not belonging to me and I sent the money to that card instead of MY checking account. 

They denied my dispute and I have not been able to recover my {$2000.00}. I can not reach out to the receiving bank because I do not have an account with XXXX XXXX  or any of their Pre-paid Card associates. I have reached out to XXXX who is associated with XXXXXXXX XXXX XXXXXXXX cards, but they will not talk to me because who ever owns card ending in XXXX IS NOT ME!! So basically I need help to recover my funds. Who owns XXXX XXXX  card ending in XXXX would be nice to know. Can't a receiving bank communicate with a sending bank to match the names on the accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Citibank closed my account # XXXX on XX/XX/2025, stating that I had violated the terms and that any remaining funds would be sent to me. However, on XX/XX/2025, I visited the XXXX branch, where a representative called the Citibank Investigation Department. XXXX from the Investigation Department informed me that Citibank does not owe me any money. 
I explained to him that I have a XX/XX/2025 statement showing a balance of {$3200.00} After account closed. I can provide all supporting evidence upon request.

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 2025-09-14 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXXXXXX XXXX  -Date Opened XX/XX/year> -Balance {$3700.00}

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 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$38000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-14 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: FinCo Services Inc DBA Current
State: OK

Complaint narrative:
I DO NOT KNOW A CURRENT!! IVE CONTACTED THEM. I DO NOT KNOW WHOM THEY ARE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: DE

Complaint narrative:
Discover Bank punished me for filing complaint about my debit card under # XXXX to which they provided explanation but not the solution. I destroyed that card and will not use it again. Now Discover punished me by charging fraudulent fee and interest fraudulently claiming that I failed to pay the balance due. Fraudulent claim in the latest statement is that the check for payment was not accepted. I did not submit any checks. Payment was made through that saving account with Discover to which that debit card was connected. Payment was accepted and not denied. But the bank charged fees and interest under that fraudulent claim. When the payment was deducted on a due date of XXXX XXXX, 2025 the balance was still {$1000.00}. The next transaction was on XXXX XXXX, 2025 with my SS deposit of {$1100.00} which lead to the balance of {$2200.00}! Bank also did not honor 5 % on cash back for gas filling during period of XXXX 2025 systematic problem I have with Discover credit card. I always signed for that rebate by phone but Discover always fails to honor that tranaction,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
It has come to my attention my personal information has been exposed in a national Data Breach. After reviewing my credit reports I noticed some account I'm not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of MY ID, POA, The FTC complaint, a copy XXXX report showing my information being exposed in a national data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and I demand them to be investigated completely.

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 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive constantly asked the company for all verifications, consents, and first hand knowledge and signatures of any facts that pertain to their records. None provided. Experian/Transunion/XXXX/ credit agencies wont provide the information

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 2025-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Taproot Financial, LLC
State: TX

Complaint narrative:
In early XXXX I applied for a mortgage with Sage Home Loans. The loan officer, XXXX XXXX did not correct me in my thoughts that lender credits could be used towards the down payment portion of my loan. This led me to agree to lock in a higher rate to receive more lender credits and paying {$590.00} for an appraisal on XX/XX/XXXX. I explained my goal and assumption to XXXX multiple times leading up to accepting the higher rate for more lender credits. On XX/XX/XXXX, I was notified by another lender that I could NOT use lender credits towards my down payment portion of a mortgage. That same day, I contacted XXXX ( via email ) regarding my complaint and decision to switch to another lender. On XX/XX/XXXX I reached out to the appraisal company to inquire if I would still receive a copy of the appraisal I paid for, but was notified the appraisal was canceled by the lender on XX/XX/XXXX. On XX/XX/XXXX I contacted another lender from Sage Home Loans to discuss my situation, as XXXX was no longer communicating. The other lender notified I was entitled to either a refund of the appraisal if the work had not been completed, or a copy of the report. On XX/XX/XXXX the lender from Sage Home Loans called back and notified me he spoke with XXXX and she would be reaching out to discuss the situation. I did not receive any calls from XXXX. Per ECOA, I have 30 days from the notification of a loan withdrawal to receive a copy of an appraisal report that was paid for. As of XX/XX/XXXX, the 30 days have passed. I have not heard from XXXX and I have not received a copy of the appraisal report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: MI

Complaint narrative:
I have provided a police report and a FTC identity theft report. I have tried to tell this company repeatedly that this debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX. I deposited a personal check via CITIZENS BANK APP MOBILE DEPOSIT SERVICE. The amount was for {$5900.00}. 
The writer of the check had the funds removed from their account on XX/XX/XXXX. 
On XX/XX/XXXX I attempted to gain access to my citizens account through the banking app, I then realized that I had no access and was completely locked out. I called the branch and they said that my account is under investigation for unknown reasons. I then visited a local branch and was told I will be receiving a letter in the mail and that my card is locked as well. 
After a few days had passed I had received the letter from Citizens Bank, informing me that there was a possible discrepancy in the check which I had deposited ; it also stated that the funds will be available on XX/XX/XXXX, ( 6 business days from my original deposit date ). No mention of why my account was frozen or when it would be accessible. 
The XXXX came and I still had no access to my account, nor had I received any addition letters. 
XX/XX/XXXX, I called the customer service line a representative refused to let me speak to a supervisor for over 10 minutes. After finally connecting with a supervisor. The supervisors first line of questioning was about a check I had deposited on or around XX/XX/XXXX, he stated that my account had been under review since then. I was NOT made aware of any of this. 
I never received any document, email or phone call regarding there ever being an issue. Funds from that check were deposited and available. 
The supervisor then tells me Im suspected of fraud with the bank and that is why the check isnt going into my account ( although it had got taken from the writer of the checks account ) The supervisor then says that it wont be until XX/XX/XXXX that the funds will clear after being told that it will clear on XX/XX/XXXX in an official statement from the bank As of today XX/XX/XXXX, I still have no bank access and money is still on hold with no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
( SEE SCREENSHOT ) IN A PREVIOUS COMPLAINT, I STATED THAT EXPERIAN IS LEAVING INQUIRIES ON THE CREDIT REPORT LONGER THAN 24 MONTHS. IN THEIR RESPONSE, THEY STATED THIS : " In your dispute, you are requesting to have inquiries removed from your credit report. '' ( FIND THEIR STATEMENT IN THE CFPB REPORT ENDING IN XXXX AND XXXX ). THEIR STATEMENT IS A FLAT-OUT LIE, PLUS THEY DID NOT ANSWER THE REPORTED ISSUE, NOR ADDRESS IT, NOR FIX IT. THEY ARE LEAVING INQUIRIES ON OUR REPORT FOR 25 TO 26 MONTHS AT A TIME, INSTEAD OF 24 MONTHS. MY LAWYER WILL FILE MY COMPLAINT PAPERS WITH THE COURT IF EXPERIAN DOES NOT FIX ALL INQUIRIES ON MY REPORT TO BE DROPPED OFF IN 24 MONTHS, NOT 25 OR 26 MONTHS. SEE SCREENSHOT FOR DETAILS. PLEASE BE ADVISED I WILL FILE MY LAW SUIT IF THIS IS NOT FIXED ON EXPERIANS WEBSITE. I HAVE ALSO STARTED A PETITION LIST FOR OTHER CUSTOMERS WHO EXPERIAN IS DOING THIS WAY AS WELL. ALL THEY NEED TO DO IS FIX THE INQUIRIES AS TO WHERE THEY STAY ON THE CREDIT REPORT FOR 24 MONTHS, NOT 25 OR 26.

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 2025-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: FL

Complaint narrative:
I discovered that Jefferson Capital Systems is reporting an account on my credit file. I have no recollection of any business or agreement with this company. On XXXX, I mailed Jefferson Capital Systems a formal Refusal to Pay letter. 


See Attached for detailed letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> Fraud was going on w my account over XXXX while i was away for summer i was out of the state. When i called td bank about this. They refused to help me. I called 5 times and went into 2 branches. One in XXXX  at the time ans one in XXXX when i arrived back home in XXXX. The banker even said its clearly fraud when we looked into the matter. There were random stolen checks put into my account through atms and this person went to all different banks and locations to withdraw whatever he could. When i reached out many times the bank refused to help me. I just XXXX XXXX and want to start my finacial life without this situation which i had no involvement. I was treated terribly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: LA

Complaint narrative:
This is my first formal complaint against XXXX XXXX. On XX/XX/year>, I filed FTC Identity Theft Report # XXXX, in which I identified multiple fraudulent accounts and tradelines that I do not own, did not authorize, and never signed for. Despite this, XXXX XXXX is reporting information under my name that is inaccurate and tied to identity theft. 

I am not taking ownership of any of these accounts. No valid contract, application, or signature exists with me, and I have never done business with XXXX XXXX. These accounts are the product of fraud and should never have been placed on my file. 

Under the Fair Credit Reporting Act ( FCRA ) 605B, I submitted a complete identity theft block package ( FTC report, proof of identity, proof of address, sworn statement of non-ownership ). XXXX XXXX is still furnishing this data to nationwide CRAs who themselves are already in violation of 605Bs 4-day deletion rule. By doing so, XXXX is compounding noncompliance and further harming me. 

I request that the CFPB step in and require XXXX XXXX to comply with federal law by : Immediately deleting all fraudulent accounts from their system ; Ceasing all reporting or furnishing of this data to CRAs ; Providing me with written confirmation of permanent deletion. 

The continued furnishing of this fraudulent data violates FCRA 605B, 607 ( b ), and 623 ( a ) ( 3 ). It is causing ongoing consumer harm and must be stopped.

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 2025-09-14 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX BANK # XXXX -Balance {$1000.00} -Date Opened XX/XX/XXXX XXXX BANK # XXXX -Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX -Balance {$1400.00} -Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX -Balance {$2700.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX -Balance {$4400.00} -Date XXXX XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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