vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc.
State: OK

Complaint narrative:
UNIVERSAL MEDICAL DEBT DISPUTE & COMPLAINT LETTER XXXX XXXX [ Your Address ] [ City, State, ZIP ] DOB : XX/XX/XXXX Last 4 of SSN : XXXX Date : XX/XX/XXXX RE : Inaccurate Medical Debt Reporting Formal Dispute To Whom It May Concern, I am formally disputing the accuracy and legality of medical debt currently being reported on my credit file. 
The following medical collection accounts are inaccurate and improperly reported : 1. Medical collection {$370.00} This is medical debt under {$500.00}, which should not be reported at all under current credit bureau policy. Its continued presence on my credit report is improper. 
2. Medical collection {$2900.00} This balance is inaccurate. My insurance carrier has reviewed the claim and determined that I do not owe this amount. Liability is unresolved and documentation from my insurer is attached confirming this determination. 

Despite insurance involvement and documentation showing lack of consumer liability, these accounts continue to be reported as owed. Reporting inaccurate or unverifiable information violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which requires that information furnished to consumer reporting agencies be accurate, complete, and properly investigated once disputed. 

I am providing documentation from my insurance company supporting this dispute. If these accounts can not be verified as accurate and currently owed by me, they must be deleted from my credit report. 

I am requesting : Immediate investigation of these accounts Deletion of any account that can not be verified as accurate Correction of my credit report to reflect accurate information Please note that continued reporting of inaccurate medical debt after notice may constitute a violation of federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Several years ago, I opened a deposit account with CitiBank for a small business purpose. Shortly after the account was opened, it was compromised by third-party misuse. I did not authorize, control, or benefit from the transactions that occurred as a result of this misuse. 

I later discovered that CitiBank has been furnishing information related to this account to XXXX XXXX XXXX Based on CitiBanks verification, XXXX XXXX XXXX reinserted this information into my consumer file. 

As a direct result of CitiBanks continued furnishing, I have been unable to open both personal and business bank accounts and have been denied access to legitimate banking relationships and business funding. XXXX XXXX XXXX has confirmed that CitiBank is the sole furnisher and the only party with authority to correct or withdraw this reporting. 

I am not disputing that an account existed. I am disputing the continued furnishing of this information given the third-party misuse and the disproportionate harm it is causing. 

I am requesting an executive-level review and resolution, including CitiBanks withdrawal of all furnishing related to this account from XXXX XXXX XXXXXXXX and written confirmation once this has been completed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint regarding multiple unauthorized hard inquiries on my TransUnion credit report. These inquiries were reported by XXXX  XXXX on XX/XX/2025 and XX/XX/2025XXXX XXXX on XX/XX/2025, and XXXX on XX/XX/2025. These inquiries were neither initiated, authorized, nor consented to by me, and I assert that they are the result of identity theft. This violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( 2 ), as there was no permissible purpose for these inquiries.

I previously filed an FTC Identity Theft Report to report these fraudulent activities. Despite submitting this report, no corrective actions have been taken by TransUnion to remove these unauthorized inquiries. As a result, the unauthorized inquiries remain on my credit report. 

I am now filing this complaint with the Consumer Financial Protection Bureau ( CFPB ), requesting immediate action to delete these fraudulent hard inquiries from my TransUnion credit report and update my credit file to reflect accurate and fraud-free information. I am also requesting that TransUnion provide written confirmation of the removal of these inquiries and issue an updated copy of my credit report reflecting this correction. 

This ongoing identity theft has caused significant emotional distress and damage to my credit profile. I am asking the CFPB to ensure TransUnion takes prompt action to resolve this issue. If this matter is not resolved in a timely manner, I will pursue further legal action to protect my rights under 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 2025-12-19 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 am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 -- Balance : {$350.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- {$290.00} - Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX # XXXX -- {$410.00} - Date Opened : XXXX XXXX  # XXXX -- {$0.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX # XXXX -- {$510.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- {$610.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- {$0.00} - Date Opened : XX/XX/XXXX XXXX # XXXX -- {$0.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Unauthorized accounts are being reported on my credit report under my name without my permission or knowledge. 
I have never authorized or managed these accounts, making this situation entirely unacceptable. 
It introduces inaccurate and misleading information into my financial history. 
I take my credit profile very seriously, and the presence of these unauthorized accounts has caused me significant concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Two applications were submitted in my name without my knowledge or authorization, resulting in two fraudulent inquiries appearing on my credit report. I do not recognize these companies and did not consent to my credit report being accessed. I previously contacted the bureau and was told by a representative that these inquiries would be removed, yet they remain. Their continued presence is hurting my credit score and causing unnecessary stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: OneMain Finance Corporation
State: CA

Complaint narrative:
Hard Inquiry on my credit report from One Main Financial. Have no recollection of applying for loan or any services from that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation
State: IN

Complaint narrative:
On Thursday XX/XX/year>, I contacted XXXX Credit Card customer service to inquire about hardship or forbearance options due to a temporary financial hardship. 

The customer service representative initially stated that XXXX does not offer any hardship programs. After I referenced hardship options that are commonly available for credit card accounts, the representative then changed the explanation and stated that I did not qualify for a hardship plan. 

At no point was I asked to explain my hardship, provide information about my financial situation, or informed of any eligibility criteria. No hardship assessment was conducted, and no alternative assistance options were offered. 

I requested clarification, the representatives name, and a reference number for the call, which I documented. The information provided to me during this interaction was inconsistent and confusing. 

I am not disputing my balance and I am attempting in good faith to remain current. My concern is the lack of transparency and inconsistent information regarding hardship or forbearance options. I am requesting that XXXX clearly explain whether hardship programs exist, the criteria for eligibility, and whether my account was properly evaluated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-18 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: IL

Complaint narrative:
EQUIFAX INFORMATION SERVICES LLC XXXX. XXXX XXXX XXXX, GA XXXX EQUIFAX CONFIRMATION NO : XXXX FTC REPORT : XXXX XX/XX/XXXX Re : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. Reported 30 days late in XX/XX/XXXX. The late payments is inaccurate and unverified. Please conduct a full reinvestigation and remove or correct the late payment history. 
XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$47.00} 2. I was never been late on this account I always paid on time. Please remove the late payment for XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX BALANCE {$120.00} 3. This account has been paid before it went to the collection Please delete this immediately. 
XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  ) DATE OPENED XX/XX/XXXX BALANCE {$520.00} 4. This was paid before it went to the charged off. Please delete this immediately. 
XXXXXXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$770.00} 5. I was never been late on this account I always paid on time. Please remove the late payment for XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX 6. I was never been late on this account I always paid on time. Please remove the late payment for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. 
XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX was paid before it went to the charged off. Please delete this immediately. 
XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX. I was never been late on this account I always paid on time. Please remove the late payment for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. 
XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX. I was never been late on this account I always paid on time. Please remove the late payment for XX/XX/XXXX. 
XXXX XXXX XXXX DATE OPENED XX/XX/XXXX In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and promptly removed from my credit report. It is my understanding that you are required to verify these items with the creditor responsible for their inclusion. Any information that can not be verified by the creditor should be deleted. I am aware that, as stated in 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receiving this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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: OH

Complaint narrative:
Hi, pls delete charges frm crdit report ; I fell victim to identity theft and did not mak them. I have reportd this to FTC and providd their Affidavit. Please delte these charges promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Personal item I broughtto the XXXX  what I should have not been charged for and I also attached a pictureof the ticket and what was included with the ticket and it clearly says the personal item was included as i stated to agent over the phone I was only being charged in XXXX by the rude lady who boards the people to the flight and when going on my return flight i asked if i was going to be charged and they told me I donthave to pay for a XXXX XXXX because it is a personal item so I was charged the XXXX with no reason and by force because the lady was super rude and was saying if i dontpay for the XXXX XXXX I wontget on my flight forcing me to pay. 
The transaction was on XX/XX/16 from XXXX for XXXX $ and it was charged on my Wells Fargo checking account I called XXXX to resolve this issue directly with them and they couldnt help they said that I was charged and they couldnt help me and I contacted my bank to dispute the charge 3 times and they also told me they couldnt help me even though I was charged with no reason for a book bag that was already included in my ticket

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: CA

Complaint narrative:
XXXX XXXX  is reporting accounts that should state Discharged in Bankruptcy as Charge Off. This is illegal. XXXX XXXXXXXX  is reporting accounts as closed by grantor. This is illegal. The accounts were Discharged in Bankruptcy. 

XXXX XXXX is reporting a car loan amount at : XXXX. I never paid that amount. It's to be : XXXXXXXX XXXX XXXX is listing a GOVERNMENT OFFICE BUILDING AS MY ADDRESS IN XXXX. THAT IS A GOVERNMENT BUILDING. IT IS NOT MY ADDRESS. 

XXXX XXXX does not list my personal address correctly : They keep putting " XXXX, '' It is not North. 

XXXX  I called to have them fix a few times over a month ago. It's more wrong than before. 

XXXX XXXX  is a mess.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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:
My personal information has been severely compromised and there is a concern that fraudulent activity has occurred using my identity. Please see attachment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Product : Checking account / Debit card Issue : Fraud / Unauthorized transactions Company : Bank of America Complaint Details : I am submitting this complaint regarding Bank of Americas handling of my fraud claim. 

Unauthorized debit card transactions totaling {$11000.00} were made through XXXX XXXX and an online gambling merchant without my authorization. 

I reported the fraud immediately. Bank of America : Cancelled my card Stopped payment flow to the merchant Opened a fraud investigation Despite this, Bank of America denied my claim twice, stating that the transaction was authorized by me or by someone with permission. 

This conclusion is incorrect and unsupported. 

Key facts : I did NOT authorize these transactions I did NOT approve or confirm XXXXXXXX XXXX payments My phone was not in my possession at the time of the transactions No one had my permission to use my card or account Bank of America has provided no concrete evidence that I authorized the charges Bank of America vaguely states they reviewed merchant information such as a signed receipt or contract, but no such documentation has been shared with me, nor does such evidence exist for XXXX XXXX XXXX transactions. 

Prior usage of the merchant does not equal authorization of disputed transactions. 
Authorization must apply to each individual transaction, which did not occur here. 

I believe Bank of America is improperly shifting liability to the customer in violation of Regulation E under the Electronic Fund Transfer Act. 

What I am requesting : A full refund of the unauthorized transactions Written disclosure of all evidence used to deny my claim CFPB review of Bank of Americas fraud investigation process I am requesting CFPBs assistance to ensure this matter is handled fairly and in compliance with federal consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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