vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TN

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 XXXX 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  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} These accounts have resulted in several fraudulent XXXX  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 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
There was an opened auto loan with XXXX XXXX XXXX around XX/XX/year>. It is now closed but affecting my credit and my life. I did not authorize this and demand that this closed account be removed. Experian is the only credit bureau that has not removed this account that is hindering my credit profile. XXXX  and XXXX  have removed the inaccurate account from my credit reports

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 — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I never authorized my medical information to be released to this debt collector. Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
On or about XX/XX/year>, an account with XXXX XXXX XXXX, referencing the original creditor XXXX  XXXX XXXX, was fraudulently reported on my credit files with Experian, TransUnion, and Equifax. The account is listed under Account # XXXX and reflects a balance of {$320.00}. It was last reported on XX/XX/year>, with comments indicating collection account and placed for collection. 

I am a documented victim of identity theft, as evidenced by my FTC Identity Theft Report ( # XXXX ). I did not open, authorize, or consent to this account. Reporting this account as mine is inaccurate, unverifiable, and violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, 15 U.S.C. 1681c-2 ( FCRA 605B ) provides that a consumer reporting agency must block all information that results from identity theft once proper documentation is provided.

This fraudulent account has caused harm to my creditworthiness and has directly interfered with my ability to obtain housing and credit. I have disputed this information and requested its removal, yet it continues to be reported. 

I am demanding that XXXX XXXX XXXX and the credit reporting agencies immediately delete this fraudulent account from all of my credit files, provide me with a corrected credit report, and cease further reporting of this account in compliance with the law.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On or about XX/XX/year>, an account with XXXX XXXX XXXX, referencing the original creditor XXXX  XXXX XXXX, was fraudulently reported on my credit files with Experian, TransUnion, and Equifax. The account is listed under Account # XXXX and reflects a balance of {$320.00}. It was last reported on XX/XX/year>, with comments indicating collection account and placed for collection. 

I am a documented victim of identity theft, as evidenced by my FTC Identity Theft Report ( # XXXX ). I did not open, authorize, or consent to this account. Reporting this account as mine is inaccurate, unverifiable, and violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, 15 U.S.C. 1681c-2 ( FCRA 605B ) provides that a consumer reporting agency must block all information that results from identity theft once proper documentation is provided.

This fraudulent account has caused harm to my creditworthiness and has directly interfered with my ability to obtain housing and credit. I have disputed this information and requested its removal, yet it continues to be reported. 

I am demanding that XXXX XXXX XXXX and the credit reporting agencies immediately delete this fraudulent account from all of my credit files, provide me with a corrected credit report, and cease further reporting of this account in compliance with the 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 non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
Had vehicle repossessed XXXX, redeemed vehicle and recent paid it off. Was told title/ lien release would be released XX/XX/XXXX, when not received contacted customer service and was told it was mailed XX/XX/XXXX. Was lied to for a week XXXX that it was mailed. XX/XX/XXXX was told I needed to speak with the redemption department because they needed paperwork. I was mocked and laughed at by several " reps '' and no clear answers were given. A man even told " lady thats not how this works '' then quickly said " mam ''. Kept being told they would call me back with answers and nothing has been done.

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: PA

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

1681c2 ) that you, the TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} 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 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 2025-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute fraudulent accounts currently appearing on my credit report. I did not authorize or open these accounts, and their continued reporting is both false and damaging. These inaccuracies are misleading and compromise the integrity of my credit profile.

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: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: IL

Complaint narrative:
IQ DATA XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research IQ DATA XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Organization has not sent notification of assignment of dead as outlined in the XXXX  consumer credit protection act prior to initiating collection activities. When XXXX XXXX XXXX was notified that this has not been previously distributed through another collection agency which never submitted the validation of debt paperwork to myself within the 30 days when I contacted them on XX/XX/XXXX, the collector that I spoke with became very rude and very belligerent And hardly let me get a word in XXXX. As outlined in the federal law, when validation of debt is not sent within the 30 day mandated timeframe, the debt is negated and not able to be collected by any future company. Fifth third bank should be ashamed of themselves for trying to send it to you a more aggressive collection to see that obviously doesnt care about following the fair deck collection practices act given the communication tactics that XXXX  XXXX XXXX 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: Experian Information Solutions Inc.
State: NC

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.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Changed password after replacing debit card. Accidentally out in wrong password, access blocked. Call customer service who verifies me, gets transferred to fraud. Fraud needs to verify me and ask me the most ridiculous questions. ( Do i have another number to call from ) At the time i was working XXXX XXXX  away from home and stranded due to my account being locked so i was aggravated. I even gave him my account number, SS and recent transactions. He proceeded to tell me that nothing can be done and to wait in the mail for a letter. IM XXXX XXXX  AWAY with no access to my money and their response was wait in the mail for a letter to get access to MY MONEY. XXXX week later and still have not been resolved. Ive missed work and have gone without food, bills because of this. All starting with putting a recently changed password in wrong.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/year> I was contacted by a male identifying himself as being with the XXXX XXXX Sheriffs Office. This individual had my name, address and my husbands name, address, date of birth. He stated that my husband had been arrested and gave me citation numbers and stated that I needed to send XXXXXXXX XXXX  of bail which would be held until Monday XX/XX/year> when he returned for a hearing. After sending this money. He then stated there was an additional amount that was required for an ankle monitor and would need to be paid before he could be released. I sent the additional XXXX XXXX Then he attempted to get me to send additional funds for paperwork and processing at which point I stated I wanted to come in and speak to them in person. He became increasingly verbally aggressive, threatening me that I was now attached to my husbands case and would be held in contempt of court and arrested if I did not send the additional money. I hung up at this point and called the non-emergency number for our county sheriffs department who confirmed that no one by the callers name worked for them and that I had likely been the victim of a scam. I immediately contacted XXXX XXXX XXXX  who oversees XXXX XXXX who stated that they could not do anything and I would need to dispute the transaction with my bank. I immediately completed the dispute process with Bank of America, ( claim ID XXXX and claim ID XXXX ) including copies of transaction numbers, police reports, phone call logs and contact information for the police officer handling the case. They have closed the dispute and are unable to refund the transaction stating that it was legitimate despite supplied evidence displaying that I was scammed by someone misrepresenting themself as a police officer.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2025-09-25 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: AZ

Complaint narrative:
I have notified Transunion numerous times regarding the erroneous reporting appearing on my consumer profile with Transunion, via disputing through the company 's website and previous CFPB complaint. 

After several attempts at having the issues rectified I still have several issues that have not be remedied. I will no longer allow Transunion the luxury of performing inadequate investigations, over 60 days periods that continue to return the same erroneous, unverified results. 

Attached to this complaint is the Federal lawsuit I intend to schedule XX/XX/year>, if Transunion continues to be uncooperative with finding a reasonable monetary compensation for the identity theft, negligent and intentional infliction of emotional distress, deprivation of rights secured under federal law, and more than 300 violations of the Fair Credit Reporting Act. 

If Transunion fails to make any attempts to remedy the unresolved issue of punitive and actual damages I will move forward with the civil suit on the specified date, and will be unwilling to discuss any future settlement offers that do not meet the full demands of the lawsuit.

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 — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ULRS, Inc.
State: FL

Complaint narrative:
United legal group is using deceptive and harrassing tacticts to collect money from their clients. We hired them to collect on some of our accounts that were not able to be collected on in house due to limited resources. This is a small business. This business also hired a contact worker to work on the in house debts a few months after hiring XXXX due to nothing happening with that company, no collection of any funds at all. 
The contract collector tried to work some of the accounts that XXXX has and request cancellation, XXXX reiterated the request and then sent a bill for XXXX to be paid. This is the amounts that XXXX was hired to collect from the costomers that were on the requested cancellation.. The contract worker did not have access to the original contract with XXXX nor was the contract worker asked at any point if they were aware of the contract. This is deceptive and XXXX knew that the contract worker was not the one who signed their contact nor was the business owner, but now they have started attempting to collect the XXXX AND threatening to increase that amount if not paid by the end of day by XXXX XXXX. Even after talking to a supervisor that was working to see if there were options XXXX still put the small business on their dialer to collect. In short XXXX is now billing the amounts to us that we asked them to collect from our customers, and trying to use strong arm tactics to bully payment when the issues is still in working a resolution stage, making threats and putting larg amouts of money as fees.

Company response to consumer: Closed with explanation