vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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: MO

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 2025-08-25 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: VA

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 : ACCOUNTS : XXXXXXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>2022, Balance : {$250.00} 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, as proof from the XXXX 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 2025-08-25 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: NY

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 2025-08-25 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: IL

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Citibank is furnishing a charged-off credit card with a current balance on my credit reports. On the phone, Citi refused to escalate to a supervisor and demanded the full balance, while not providing ownership confirmation, itemized balance ( principal/fees/interest ), date of first delinquency ( DOFD ), or a written settlement letter that would update all three bureaus to Paid/Closed {$0.00}. I am requesting ( 1 ) written documentation supporting the reported balance and current ownership, including DOFD and itemization; and ( 2 ) a written resolution that, if paid/settled, Citibank will update all bureaus to Paid/Closed {$0.00} promptly. If Citi no longer owns the account, the original creditor tradeline must be corrected to {$0.00}. Please respond in writing.

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 2025-08-25 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:
Fraudulent account open in my name Company XXXX Open XX/XX/scrub> 2022 Amount owed XXXX The company stated the account was closed due to fraudulent application and I am responsible for the amount owed I should not be responsible for any amount owed due to the fact l never applied for this credit card or received a physical card to use in my possession and this account should be deleted from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: PA

Complaint narrative:
Fraudulent account open in my name Company XXXX Open XX/XX/year>2022 Amount owed XXXX The company stated the account was closed due to fraudulent application and I am responsible for the amount owed I should not be responsible for any amount owed due to the fact l never applied for this credit card or received a physical card to use in my possession and this account should be deleted from credit report

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXXXXXX / XXXX XXXX XXXXXXXX / XXXXXXXX XXXX XXXXXXXX. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XXXX  XX/XX/XXXX / XXXX XXXX XX/XX/XXXX / XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/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 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

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 2025-08-25 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:
Kindly remove these unauthorized accounts from my credit file, as I never approved or opened them and was unaware of their presence. Pursuant to USC 1681g, I ask that they be deleted within 15 days. Relevant documents are attached for review.

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 2025-08-25 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Subject : Follow-up on Complaint Experian and XXXX  Has Not Removed Inaccurate Bankruptcy Dear CFPB Team, I am writing to provide an update regarding my ongoing complaint about an inaccurate bankruptcy on my credit reports. While XXXX  have removed the inaccurate bankruptcy following my complaint, Experian and XXXX  continues to report this inaccurate information on my credit report despite having received official court documentation proving the bankruptcy is erroneous. I kindly request that CFPB follow up with Experian and equifax to ensure they comply with the Fair Credit Reporting Act ( FCRA ) and promptly remove this inaccurate bankruptcy from my credit report. I have attached the court letter and proof of removal from TransUnion for your reference. Thank you for your continued assistance. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: IN

Complaint narrative:
I am disputing a collection account reported by TRUE ACCORD, Account # XXXX. This account is inaccurate and unverifiable. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), the furnisher and credit reporting agencies must ensure all reported information is accurate and complete.

Additionally, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ), I have requested the collector to cease communication and validate the alleged debt. To date, they have failed to provide proper validation, yet continue reporting and attempting to collect.

I request the CFPBs assistance to ensure this collection is deleted from my credit file unless full, verifiable documentation is provided.

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 2025-08-25 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: OH

Complaint narrative:
my phone was stolen. I reported it stolen to the police. I also called the bank and let them know that it was stolen. My account was compromised and unauthorized charges took place. I filed a claim on those charges and letter was denied when I initially spoke with the first representative when I reported this situation, I asked them that they need a police report. She said they did not need any information from me at that time. My claims were denied and later I reopened them with the desk with additional information which is a police report these crimes of unauthorized use and fraudulent activities have took in place from XXXX of 2025 until XX/XX/year>2025 they have made unauthorized debit purchases with XXXX XXXX. They also have XXXX their self and multiple people money. They also have compromise my XXXX account. They also went into a financial institution and withdrew {$15000.00}. claims numbers are XXXX after I let the bank know it was unauthorized charges and unauthorized use on my account. Someone still tried to access my account and it is notated on their records that the person didnt not sound like me and it could not be successfully authenticated, I went into the financial institution and provided two forms of ID, which was a regular ID and my Social Security card. The account was unlocked. The bank manager was directed by the fraud department to create me a new account because my account have been compromised. I also have open claims with check department, and I also have claims open with the XXXX department, but I do not have their claims numbers, but they all are through Bank of America

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 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Texas Guaranteed
State: TX

Complaint narrative:
TRELLIS COMPANY is falsely reporting on my credit. I have never had any accounts with them. Per my research TRELLIS COMPANY is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I got an email from XXXX  on XX/XX/scrub> 2026 saying my account was suspended due to suspicious activity. They asked me to send a copy of my ID through the link they sent. I sent it the way they asked. I called customer service to ask about this and they said they cant help me because that is a different department that I can only get in touch with through email. Later that day I get another email saying my account was deactivated and banned due to violation of user agreement and that they were holding my money for 180 day. Nowhere in the email did it tell me what I violated or even any documentation they needed proving I didnt violate the user agreement. I called XXXX customer service back and tried getting information from them and once again they said that they dont handle this and that I have to respond directly to the email. I asked for a corpora number, the bank they are affiliated with number and even the legal departments number. She said none of those departments have phone numbers. I told her they can not steal my money like this! Even if I violated some policy this still MY money and they cant hold it from me! I dont owe them money and without a court order they cant hold my money! She kept saying they cant help me! Now they are holding my money a large amount and not responding to my emails my account is frozen! The money in the account is the only money I have. Its for rent and bills. They have o right to do this! I googled this and there are many other people they sent the exact same email to and have been holding their money!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX  - Incorrect Personal , has violated my rights.

I looked at my credit bureau EQUIFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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:
Complaint narrative ( paste into What happened? ) I am reporting ongoing non-compliance with the Fair Credit Reporting Act ( FCRA ) by this credit reporting agency regarding ( 1 ) identity-theft handling, ( 2 ) reinvestigation duties, and ( 3 ) accuracy of a public record.

Statutes at issue : 605B ( blocking identity-theft information ) 611 ( reasonable reinvestigation ; timely results ; Method of Verification ) 607 ( b ) ( maximum possible accuracy ) Background & prior steps : I submitted multiple disputes with documentation, including an FTC Identity Theft Report and police report. Despite this, the agency failed to block identity-theft information within the required timeframe, did not complete a lawful reinvestigation, and did not provide a Method of Verification ( MOV ) explaining the exact source ( s ) and documents used. I also requested correction of personal-information elements ( removal of unauthorized addresses/phone numbers, suppression of sensitive data ) with no adequate response. 

Public record inaccuracies ( XXXX XXXXDismissed ) : Across the three XXXX CRAs, the same bankruptcy public record is reported inconsistently : Filed/Reported date conflicts ( two bureaus report XX/XX/scrub>/2020 ; another reports XX/XX/year>2020 ). 

Reference numbers differ ( e.g., XXXX vs XXXX vs a lXXXX XXXX XXXX XXXX 

Closing date missing on one bureau, even though others show XX/XX/year> and the status is Dismissed. 

Court identification varies ( XXXX Bankruptcy XXXX, XXXX XXXX XXXX GA XXXX, XXXX ) instead of a uniform, accurate court name. 

These discrepancies show the record is incomplete/misleading and not maintained with maximum possible accuracy. If a third-party vendor was used, the agency has not disclosed the original court source, vendor name/ID, or the documents actually reviewed. 

Identity-theft handling : I reported fraud and requested blocking under 605B. More than four business days elapsed with no block placed, no adequate status update, and no explanation of verification steps.

Unlawful reinsertions : Items previously removed have reappeared without the required 5-day notice and without proof of proper verification, violating 611 ( a ) ( 5 ) ( B ).

Harm : These failures have caused reputational damage, credit denials/less favorable terms, and ongoing time and expense to correct my 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