vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Credit Bureau Representative, I am writing to formally dispute several unauthorized accounts that have appeared on my credit report. These accounts were not opened by me and are the result of identity theft stemming from a data breach that compromised my personal information. 
Specifically, fraudulent credit cards and other credit accounts were created in my name without my knowledge or consent. I did not authorize these accounts, nor have I benefited in any way from them. I am a victim of identity theft and request that all fraudulent items be immediately investigated and removed from my credit file. 
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am requesting : A prompt reinvestigation of the disputed items.

Deletion of all fraudulent accounts from my credit report. 
That all parties who have accessed my credit report in relation to these fraudulent accounts be notified of the corrections. 
A free updated copy of my credit report once the investigation is complete. 
Additionally, under the Fair and Accurate Credit Transactions Act ( FACTA ) amendment to the FCRA, I am entitled to place a fraud alert and a security freeze on my credit file. I have already taken these steps to prevent further unauthorized activity.

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 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I dont know who was using my PayPal I dont know about this problem until a few months ago when I reopened my account.. 
I had this account on an old XXXX that I gave to my daughter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST CITIZENS BANCSHARES, INC.
State: OR

Complaint narrative:
In XX/XX/XXXX, the IRS served a levy on my joint savings accounts at CIT Bank. On XX/XX/XXXX, XXXX received an IRS XXXX XXXX XXXX, which named my spouse but not me. Despite the release, XXXX still sent over $ {$130000.00} from our accounts to the IRS. 

The IRS released the levy because of a clerical error ( a duplicate XXXX filing that falsely doubled our income ) and the release was intended to lift the levy in full. 

XXXX admitted in writing that they : Received the Release of Levy on XX/XX/XXXX ; Chose to treat the release as applying only to my spouse ; and Made no attempt to contact the IRS to clarify the discrepancy. 

It is unreasonable to believe that a taxpayer would scramble to obtain a levy release that applied only to XXXX spouse while leaving the other spouse fully exposed. The obvious intent of the release was to lift the levy in its entirety. By ignoring that, and not even taking the very basic step of confirming their impractically narrow thinking with the IRS, XXXX deprived us of access to {$130000.00}, forcing me to spend extensive time away from my freelance work, and leaving us without our financial safety net. This has caused us measurable financial harm and significant stress as we continue through the extra, completely avoidable process of recovering our life savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: CA

Complaint narrative:
I purchased aligners from XXXX, which advertised a XXXX XXXX Guarantee. 
My treatment was unsuccessful my teeth did not improve and became more misaligned. 
I intended to request retreatment under the guarantee, but before I could do so, XXXX declared bankruptcy and shut down operations. 

Now TekCollect, a collections agency, is contacting me demanding payment for the remaining balance. 
This is unfair because : XXXX. XXXX did not fulfill their contractual obligations.

2. They failed to honor the XXXX XXXX Guarantee.

3. The company no longer exists and can not provide the promised services. 

I should not be held responsible for paying for incomplete and unsuccessful treatment. 
I request that this collection be removed and that no further attempts be made to collect this debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: OR

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this formal complaint against TransUnion for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XX/XX/year>, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government-issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the XXXX XXXX XXXX XXXX were fraudulent. Despite receiving this information, TransUnion has failed to block or delete the fraudulent account as required under FCRA 605B and has not conducted a reasonable reinvestigation under FCRA 611 ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial well-being.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
I was looking over my report and I noticed the account listed below is not ensuring maximum possible accuracy according to the FCRA. 

Delete accounts listed below for violation of the fair credit reporting act. 

This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) 30 day Late payment reported inaccurately XX/XX/year> GM financial account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am formally disputing the accuracy and validity of the following account listed on my credit file : XXXX : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX This account is being reported in violation of my rights under the Fair Credit Reporting Act and other federal statutes : 15 U.S.C. 1681, Section 602 : Right to privacy.

15 U.S.C. 1681, Section 604 ( a ) ( 2 ) : A consumer reporting agency can not furnish account information without my written instruction or permissible purpose.

15 U.S.C. 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2025-09-25 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: NV

Complaint narrative:
I requested validation of this alleged debt under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ). The creditor/collector has not provided any supporting documentation proving that I am legally responsible for this debt ( such as a signed contract, account statements, or proof of ownership of the debt ). Reporting this account to the credit bureaus without proper validation is inaccurate and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
XXXX XXXX is furnishing inaccurate information to the credit bureaus. I was placed on a 36-month device installment plan, but XXXX failed to bill the monthly installments on my statements. Because they never included the charges on my bill, I was not given the opportunity to make payments. XXXX then reported the entire device balance as a chargeoff/collection for {$1100.00}, which is inaccurate and misleading. This is not the result of consumer nonpayment but XXXX billing error. 
I request that the derogatory tradeline be deleted or corrected to reflect accurate reporting 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 explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submit this complaint regarding false, inaccurate, or misleading information being reported by Experian and XXXX XXXX, and their failure to correct or reasonably reinvestigate my dispute as required under the Fair Credit Reporting Act ( FCRA ). 

Specifically : Experian is reporting a late payment / derogatory credit mark that is incorrect, and despite my formal dispute, has not reversed or updated it. 
First Advantage ( a background check / consumer reporting agency ) has produced or distributed a background report containing incorrect information ( e.g. misattributed criminal records or other adverse information ) which has harmed me ( e.g. caused a job offer to be rescinded ).

Both companies failed to follow the FCRAs reinvestigation and accuracy requirements, and ignored my dispute efforts.

2. Relevant Legal Authority & Cases I rely on the following statutory and judicial authorities : Statutory Basis FCRA 15 U.S.C. 1681i ( a ) When a consumer disputes the completeness or accuracy of information, the credit reporting agency must conduct a reasonable reinvestigation within 30 days.

15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they publish.

15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) Furnishers of information ( like loan servicers or background data providers ) must not report information they know or have reason to believe is inaccurate. 

Judicial Precedents XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) : The XXXX held that a consumer need not prove that the incorrect information was published to a third party to recover actual damages under 1681i ( a ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The plaintiff alleged that XXXX XXXX willfully and negligently violated the FCRA by including incorrect criminal record data and failing to employ reasonable procedures to assure accuracy.

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 2025-09-25 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: TX

Complaint narrative:
In XXXX, a XXXX XXXX charge-off account ( Account XXXX. XXXX ) was deleted from my credit file after a dispute. In XXXX, the same account was reinserted multiple times without proper notice or certification, in violation of the Fair Credit Reporting Act ( FCRA ).

This violates : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) prohibits reinsertion of previously deleted information without certification and 5-day written notice.

15 U.S.C. 1681s-2 ( a ) prohibits furnishers from reporting inaccurate or unverifiable information.

15 U.S.C. 1681e ( b ) requires cre
dit bureaus to maintain maximum possible accuracy.

15 U.S.C. 1681b ( a ) restricts credit reporting to permissible purposes only.

15 U.S.C. 1681c ( a ) ( 5 ) limits how long adverse information can remain. 

Despite my formal disputes, the XXXX XXXX account ( XXXX ) remains and has been reinserted again. I am requesting immediate and permanent deletion of this account, enforcement of FCRA protections, and confirmation that my rights as a consumer will be respected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the personal information currently being reported on my credit file. I noticed that the address information listed for me is inaccurate and does not reflect my correct, current residence. Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Maintaining outdated or incorrect address information is a direct violation of this requirement.

Per, FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information and to have it corrected or deleted from my credit file within the legally required timeframe.

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 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I bought the new XXXX XXXX XXXX and tried logging into my Citi XXXX. It completely froze me out due to it being on a new device, I can't access it online or on the app to make payments, and when you try to call customer service, they say there isn't anything you can do and go to a branch. I don't have a branch anywhere near me, and to that, they said tough luck basically. 

So now I am worried and frantic I won't make payments on time, and they will try to charge me late fees or penalize me in some way. They refuse to help me get access to my online account, or that they can't.

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 2025-09-25 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:
I am filing this complaint regarding a repossession account being reported on my credit report. The tradeline is being furnished in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i, which require credit reporting agencies and furnishers to ensure maximum possible accuracy and to delete unverifiable information.

The creditor failed to follow the legally required repossession procedures under UCC Article 9, including providing proper notice of disposition of the vehicle, notice of the right to redeem, and a post-sale accounting showing how the sale proceeds were applied. I was never provided documentation of the sale price, how it was applied to the loan, or a deficiency balance calculation. 

Because these notices and disclosures were not provided, the reported deficiency balance and repossession tradeline are inaccurate, incomplete, and unverifiable. Reporting a repossession without proof of compliance with these requirements is misleading and in direct violation of the FCRA. 

Requested Resolution : I request that the CFPB require the credit bureaus and the furnisher to : Delete the repossession tradeline entirely, as it can not be verified under the FCRA due to the creditors failure to comply with notice and sale disclosure requirements. 

Provide written confirmation of the deletion. 

Prevent any re-reporting of this repossession without full documentation of the legally required notices and sale accounting.

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