vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: MI

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-14 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: EQUIFAX, INC.
State: FL

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: Experian Information Solutions Inc.
State: PA

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 2025-08-14 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: EQUIFAX, INC.
State: GA

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : DEPT OF ED Date : XX/XX/XXXXXXXX  DEPT OF ED Date : XX/XX/XXXXXXXX  ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: NY

Complaint narrative:
I am XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX On or about XX/XX/XXXX I noticed an ad for XXXX XXXX to double my money if I gave them my information through XXXX, where the ad showed up. I shared my sensitive XXXX XXXX banking information, when responding to this ad. This ad I learned after the fact was a scam. 

I owned at that time a XXXX XXXX debit card, this is where my social security XXXX monthly direct deposits was routed to. This XXXX XXXX account is only used for my social security XXXX benefits deposits. At the time of this fraudulent incident there was {$1000.00} in the account. 

I realized on XX/XX/XXXX when trying to pay a bill with this debit card, that the direct deposit card was not working. I called XXXX XXXX and they told me my card had been canceled and they asked for my name, address, social security number and birthdate for purposes of verifying my account, upon giving this correct information they told me it did not match their records. I was not allowed access to my account. They told me to go to the social security administration to make sure my information on file was correct. I did so. The information the social security administration had on my XXXX benefits was correct and up-to-date. At this time, while at social security I changed my future social security benefits monies to be directed deposited to an entirely different banking account unassociated with XXXX XXXX 

I called XXXX XXXX again on XXXX XXXX and sent them a copy of my state ID to verify my name and address, I got a return the very same day that they could not verify my account at that time and I was not allowed to access my account to gain access to the {$1000.00} that was in it. 

Next, I called XXXX XXXX on the XX/XX/XXXX, XXXX, XXXX and XXXX. On each of these days the asked me to resend the digital picture of my ID to verify my identity. I did do this three more times on these days. Each time they told me that they could not verify my identity, that I could not gain access to my account and monies, and that there was nothing more that they could do. 

During this episode I visited my local social security administration office twice. There verified my information was correct. They verified that the {$1000.00} was successfully deposited into my XXXX XXXX account. They explain that this problem needed to be fixed through XXXX XXXX and not the social security administration. They also explained that they had cut communications with XXXX XXXX  due to consistently poor costumer service.

All I want is my money, the {$1000.00} that I have been locked out from excessing. 

XXXX XXXX  contact : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXXXXXX XXXX XXXX is Owed by Comerica XXXX  Comerica XXXX  XXXX XXXX XXXX XXXX XXXX, Texas XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-08-14 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: EQUIFAX, INC.
State: SC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: MD

Complaint narrative:
I am writing to formally dis

pute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative ent
ries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I reviewed my credit report and identified multiple inaccuracies in the reporting of a XXXX XXXX XXXXXXXX account. The issues include an incorrect last payment date of XX/XX/XXXX ( despite " OK '' statuses indicating payments in XXXX and XX/XX/XXXX ), an inconsistent closure date of XX/XX/XXXXXXXX  ( with post-closure delinquencies reported through XX/XX/XXXX ), non-sequential delinquency progression ( stalling at 120 days late before charge-off ), improper updates as of XX/XX/XXXX on a charged-off account with a {$1400.00} balance, incomplete payment history fields, conflicting charge-off timeline, and an unverifiable 30-day late in XX/XX/XXXX. Despite over 40 prior disputes, the company responded on XX/XX/XXXX, claiming the information was " verified as accurate '' without addressing these errors. On XX/XX/XXXX, I filed FTC Complaint # XXXX and mailed a detailed dispute letter and demand letter via certified mail to the company, requesting immediate investigation and deletion. These inaccuracies have harmed my credit profile. I am enclosing the credit report, prior response letter, FTC complaint, dispute/demand letters, and proof of address for verification.

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 2025-08-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
I submitted two money transfer requests on XX/XX/year>, they confirmed and approved for money to be deposited into my account on XX/XX/year>. This transfers should be coming from my other external linked accounts, so I know the funds are there, and they Ally bank said they will withdraw the funds right away. On XX/XX/year>XXXX  I logged in to check for funds, and money was not in my account. I navigated to scheduled/pending activity and saw that the same transfers are now showing to be deposited on XX/XX/year>?! I called Ally, they said there was a system maintenance that caused an issue with transfers and has affected a lot of their customers by delaying all the transfers, basically that glitch has reset our transfer request by restarting it again in XX/XX/year>! The transfer was already in process, so I couldn't cancel it. The cash was already withdrawn from my other accounts and was stuck in limbo for this whole week! I told them they can't do that, I am counting on those funds to pay my bills and don't want to incur late fees because of their failure. Ally bank said they can't ( or won't ) do anything about this. They've already withdrawn the funds from my other accounts and know its coming, so why not make the funds available as per their own rules and guidelines on XXXX????? Also, for some of my external accounts, they process transfers by next business day, so why is it a 3 day requirement for others??? They should not be allowed to do this. If I knew this could even happen, I could have transferred those funds to a different account or withdraw cash, and not take this risk. This type of scheming to hold other people 's money hostage for a week is unethical and simply fraudulent! I also have not received ANY notification about this issue at all! They were just planning to fly under the radar with this in hopes their customers simply won't notice. Please investigate and enforce penalties and charges against them.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XXXXXX/XX/year> ], a hard inquiry from Citi Bank / Best Buy appeared on my credit report without my authorization.

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 2025-08-14 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/year>, I submitted an FCRA 605B identity theft block request to all XXXX  nationwide consumer reporting agencies XXXX, TransUnion, and Equifax which included : A valid FTC Identity Theft Report Government-issued photo ID ( U.S. Passport ) Proof of current address ( utility bill ) Detailed identification of the fraudulent accounts XXXX XXXX confirms delivery of these packages on XX/XX/year>. The FCRA and 16 C.F.R. 603.3 require these items as sufficient documentation to process a 605B request within four business days of receipt. Despite this : TransUnion and Equifax have failed to provide any response or confirmation within the four-business-day statutory period.

Under 15 U.S.C. 1681c-2 ( c ), the CRAs were required to block the fraudulent accounts by XX/XX/year>. Their failure to do so violates FCRA 605B, 616, and 617. This conduct is causing ongoing harm and is in direct violation of federal law. 

I am requesting CFPB intervention to compel immediate compliance with FCRA 605B, confirmation in writing of the removal of all fraudulent accounts, and reimbursement of mailing expenses incurred due to improper handling of my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: 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 explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
Someone got hold of my information and opened up accounts in my name that I had no idea about this is insane

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: EQUIFAX, INC.
State: SC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MiraMed Revenue Group LLC
State: IN

Complaint narrative:
I have an outstanding debt with a XXXX XXXX from a XXXX  on XX/XX/XXXX. I have consistently made payments every month on this debt. Unfortunately, I have a substantial amount of medical debt, and I have been advised by legal counsel to pay what I can. I continue to get harassing phone calls from Miramed, forcing me to be placed on a payment program with a designated amount. I can not pay that much a month. I indicated that I am addressing my obligation to this debt by making " a payment '' every month that I can afford. They consistently and aggressively indicate this is " not good enough, '' and they threaten to report it to the credit bureau as bad, mismanaged debt. I am managing the debt. And, I reminded the representative that medical debt is no longer reported on your credit report, to which she responded defensively, stating, " We will see then. I am not arguing with you. You are wrong. I would not tell you that if it was wrong, '' and hung up the phone on me. The representative with whom I spoke today, XX/XX/XXXX, demanded my attorney 's name and phone number. Amount outstanding is {$2400.00}. I was previously paying XXXX dollars a month and had to reduce this to XXXX dollars a month, as I have accrued other medical debt following this procedure to address similar and other health concerns.

Company response to consumer: Closed with explanation