vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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: VA

Complaint narrative:
I am writing to formally dispute and demand the deletion of the following fraudulent accounts that appear on my credit report. These accounts were opened without my authorization and are the result of identity theft : XXXX XXXX Account opened on or about XX/XX/XXXX, with an alleged balance of {$2200.00}. 

XXXX XXXX Account opened on or about XX/XX/XXXX, with an alleged balance of {$4500.00}. 

Under 15 U.S.C. 1681i ( Section 611 of the Fair Credit Reporting Act ), Experian is required to conduct a reasonable investigation when a consumer disputes the accuracy or completeness of information on their credit report. I have previously requested verification of these accounts, yet Experian has failed to provide proper documentation proving I opened or authorized these accounts, such as signed contracts or application records.

Per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if an item can not be verified, it must be deleted from the consumers file. Because Experian has not provided any documentation substantiating these accounts, I demand that these accounts be immediately removed from my credit report.

Additionally, under 15 U.S.C. 1681c-2, I am exercising my right as a victim of identity theft to request that Experian block all information resulting from identity theft from appearing on my credit report. Enclosed are copies of my identity theft affidavit, government-issued ID, and proof of address to support this request. 

Please provide me with written confirmation of your investigation results and documentation verifying these accounts, or confirm that they have been deleted within 30 days of your receipt of this letter, as required by law.

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 2025-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I recently sold a property in Florida and moved to XXXX. When the sale was completed in Florida the closing company wired over {$400000.00} into my Truist account. The plan was once this transaction took place I would be able to use the money to pay off the mortgage on the new property I purchased in Arizona. When I was with my closing attorney she agreed that this would not be a problem and understood my plan with wiring funds. 
I contacted the company holding my new mortgage, they gave me the wire instructions along with a payoff amount including their list of fees and interest that had to be paid by XXXX XXXX or there would be new interest amounts for payoff after the XX/XX/XXXX deadline. 
When I contacted customer service representative I was told that I had to physically go to the bank to complete this wire transfer. Well, I'm already in XXXX ( there is not a branch in this state ) and it is not possible to fly back to do this. I have over {$450000.00} sitting in the bank. I explained this to XXXX ( customer service rep ) and she continued to repeat her scripted response that I needed to come in to complete this transaction. I informed her that because of this I will be closing my account with the bank. I have had my account with Suntrust/Truist for over 32 years. This is extremely distressing that I can't access my money.

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 2025-10-23 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: NC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLLECTION is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION 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 2025-10-23 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: OH

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-10-23 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: SC

Complaint narrative:
I am disputing inaccurate information being reported by XXXX XXXX on my credit report regarding my XXXX XXXX credit card account. The account details are as follows : Account Type : Credit Card Account Closed Date : XX/XX/XXXX Incorrect Status Reported : Charged off / negative Incorrect Maximum Delinquency Date : XX/XX/XXXX Incorrect Balance : {$3200.00} Details of the Issue : This account was closed on XX/XX/XXXX, and any outstanding balance was paid in full after the charge-off. The correct payment date was XX/XX/XXXX, and the balance should be {$0.00}. 

The account is continuing to report negative information on all three credit bureaus. The reported last payment and maximum delinquency dates are inaccurate and postdate the actual closure of the account. 

When I reached out to XXXX XXXX to try to get this corrected, they could not locate my account in their system, which further indicates a reporting error that needs immediate correction. 

The continued negative reporting and incorrect balance are harming my credit and do not reflect the accurate history of this account. 

Requested Resolution : Correct the account status to Closed with a XXXX balance. 

Remove any negative reporting and inaccurate dates from my credit report. 

Update all three major credit bureaus ( XXXX XXXX, and TransUnion ) with the accurate account history. 

This is a formal request for investigation under the Fair Credit Reporting Act ( FCRA ). I request a prompt resolution and written confirmation once the corrections have been made.

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 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
On XX/XX/year>, I received an email notification informing me that my account had been closed. When I immediately contacted your customer service department for clarification, I was told that no specific reason could be provided for the closure. However, I was assured that a check for the remaining balance in my account would be mailed to me within 30 days. 

It has now been over 60 days, and I have yet to receive the check or any official update regarding when it will be sent. The total balance that remains unpaid is {$22000.00} from my checking account and {$15.00} from my savings account. Despite my repeated follow-ups, I continue to receive vague responses without any definite timeline or explanation. 

This ongoing delay has placed me in a very difficult financial situation. These funds are essential to meet my daily expenses and financial obligations. Each day, I check my mail anxiously, hoping for some correspondence or resolution, but nothing has arrived. The lack of communication and transparency from Citi Bank has been deeply disappointing and distressing. 

Please treat this as a priority matter, as the prolonged withholding of my funds has caused significant inconvenience and financial hardship.

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 2025-10-23 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: FL

Complaint narrative:
Failure to Block or Delete Fraudulent Accounts and Inquiries Violation of FCRA 605B, 611, 623, and 607 ( b ). Ongoing Reporting of Fraudulent Accounts and Inquiries Identity Theft Complaint Filed XX/XX/XXXX This correspondence serves as my formal follow-up dispute and demand for reinvestigation under the Fair Credit Reporting Act ( FCRA ) regarding fraudulent, inaccurate, and unverified information that remains on my consumer credit reports despite my prior dispute and complaint submitted through the CFPB Complaint Portal. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I previously submitted a written identity theft complaint and supporting documentation requesting the blocking and deletion of all fraudulent accounts, inquiries, and adverse information identified as follows : XXXX opened XX/XX/XXXX. XXXXXXXX XXXX XXXX  opened XX/XX/XXXX. XXXX  XXXX opened XX/XX/XXXX. XXXX opened XX/XX/XXXX. XXXX opened XX/XX/XXXX. XXXX XXXX opened XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX personal loan and line of credit. XXXX opened XX/XX/XXXX. XXXX opened XX/XX/XXXX. XXXX XXXX opened XX/XX/XXXX ( collection {$280.00} ). XXXX XXXX opened XX/XX/XXXX. 
Plus all associated hard inquiries from these entities. I have never opened, authorized, or initiated any of the above accounts or inquiries. These items are the result of identity theft and therefore meet the blocking requirement under FCRA 605B ( a ), which mandates that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as resulting from an alleged identity theft within 4 business days of receiving a valid identity theft report. Violations and Deficiencies despite proper notice, supporting documentation, and a CFPB complaint confirming receipt, the disputed accounts remain. This constitutes violations of : FCRA 605B ( b ) ( 1 ) failure to block fraudulent information within the required 4 business days. FCRA 611 ( a ) failure to conduct a reasonable reinvestigation of disputed information. FCRA 607 ( b ) failure to maintain reasonable procedures to assure maximum possible accuracy. FCRA 623 ( b ) failure of furnishers to investigate and report results accurately to consumer reporting agencies. I also remind you that reliance on automated dispute verification systems such as e-OSCAR or XXXX  does not satisfy your statutory duty to perform a reasonable investigation or to forward all relevant information I submitted.

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 2025-10-23 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-23 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX - XX/XX/year> XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: NC

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-10-23 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-10-23 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: VA

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life. 

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section 607 ( b ), which requires you to follow reasonable procedures to ensure maximum possible 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 explanation
Consumer complaint received 2025-10-23 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation