vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I submitted a valid identity theft block request to Experian on XX/XX/year>, under FCRA 605B. I included all required documentation : a valid FTC Identity Theft Report, a police report, proof of identity, and a written statement identifying the fraudulent XXXX XXXX account. 

Experian initially claimed the account had been deleted as of XX/XX/year>. However, as of XX/XX/year>, the XXXX XXXX account is still reporting on my Experian credit file with a {$3800.00} balance, 100 % utilization, and XXXX potentially negative months. 

When I contacted Experian, I was told my original FTC and police reports were " not official '' and was instructed to file a new FTC report. Then, an Experian agent falsely claimed that I had benefited from the use of the fraudulent account a serious and unsupported allegation. 

I have fully complied with FCRA 605B. Experian is not a court of law. It is not their job to judge intent, benefit, or motive. Their only legal obligation is to block identity theft-related information upon receiving proper documentation under 605B. XXXX refusal to do so, and their attempt to shift the burden back onto me, is improper and unlawful. 

Their actions may expose them to liability for willful noncompliance under FCRA 616 & 617, and potentially defamation.

Experian has failed to : Block the fraudulent information within four ( 4 ) business days, as required by 605B ( b ), Provide a written denial with a specific explanation, as required by 605B ( c ).

I am requesting immediate CFPB enforcement to ensure Experian complies with the law and permanently removes the XXXX XXXX  account from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ORG GC GP BUYER, LLC
State: MI

Complaint narrative:
This account keep showing up. This account is fraudulent information and I would like for your company to delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Follow up on my original claim # XXXX - dated XX/XX/. As of todays date XX/XX/XXXX  for going on 4 months, Truist Bank continues to hold our IRS income tax refund even after proper verification from both the IRS and us was provided. On XX/XX/ the IRS requested the funds back and still to this date TRUIST Bank continues to hold our money without reasonable cause or notification as to why they are still holding our money. We provided our IRS transcript and IRS verified the checks validity. There is no fraud that has taken place and no threat to TRUIST Bank has occurred. We need help! Truist Bank needs to release our 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 2025-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: MI

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX, MI. XXXX Credit Control , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX RE : XXXX To Whom It XXXX Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt you say I owe you. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative marks are found or continues to report on any of my credit reports by your company of the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with FTC and other state of federal agencies. 

If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately. 

Thank you,

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 2025-07-23 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable information on my credit report under the Fair Credit Reporting Act ( FCRA ). The following items listed are either unfamiliar to me, reported inaccurately, or unverifiable. I request that these entries be investigated, corrected, or removed immediately from my credit file. 



XXXX. Personal Information Correction My full legal name is : XXXX XXXX XXXX My only current and valid address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please ensure all other variations of my name or addresses are removed. 



XXXX. Rent Reporting ( XXXX XXXX ) I have no knowledge or relationship with XXXX XXXX. 
Please provide supportive documentation showing my agreement or any reporting history tied to me. 
If you are unable to verify this account, please remove it immediately. 



XXXX. XXXX XXXX XXXX The payment history for XXXX XXXX is being inaccurately reported as late. 
My payments were on time and I request that the payment history be corrected to reflect on-time payments. 



XXXX. Hard Inquiries Please remove all hard inquiries unless you can provide documentation showing I authorized them. 
I did not authorize multiple hard inquiries and request proof or removal under FCRA guidelines. 



XXXX. XXXX Accounts Please provide verifiable proof and validation for the following accounts. If not validated within XXXX  days, please remove them from my report : XXXX XXXX- {$1800.00} Unknown debt. Please provide a signed contract or itemized statement. 
XXXX XXXX  XXXX - {$300.00} I do not recognize this account. Please validate and include supporting documentation. 
Peak Property Management I have never done business with this company. Please remove unless validated with supporting documents. 
XXXX XXXX- {$420.00} Please confirm if this debt is valid and provide full documentation including billing and delinquency notices. 
XXXX XXXX- {$620.00} Requesting verification of this debt. Provide statements or any documentation with my name and address. 
XXXX XXXX  XXXX- {$1100.00} If this account is for medical debt, per CFPB guidance, it should be removed from my credit report unless validated in writing with a detailed bill and medical provider name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable information on my credit report under the Fair Credit Reporting Act ( FCRA ). The following items listed are either unfamiliar to me, reported inaccurately, or unverifiable. I request that these entries be investigated, corrected, or removed immediately from my credit file. 



XXXX. Personal Information Correction My full legal name is : XXXX XXXX XXXX My only current and valid address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please ensure all other variations of my name or addresses are removed. 



XXXX. Rent Reporting ( XXXX XXXX ) I have no knowledge or relationship with XXXX XXXX. 
Please provide supportive documentation showing my agreement or any reporting history tied to me. 
If you are unable to verify this account, please remove it immediately. 



XXXX. XXXX XXXX XXXX The payment history for XXXX XXXX is being inaccurately reported as late. 
My payments were on time and I request that the payment history be corrected to reflect on-time payments. 



XXXX. Hard Inquiries Please remove all hard inquiries unless you can provide documentation showing I authorized them. 
I did not authorize multiple hard inquiries and request proof or removal under FCRA guidelines. 



XXXX. XXXX Accounts Please provide verifiable proof and validation for the following accounts. If not validated within XXXX  days, please remove them from my report : XXXX XXXX- {$1800.00} Unknown debt. Please provide a signed contract or itemized statement. 
XXXX XXXX  XXXX - {$300.00} I do not recognize this account. Please validate and include supporting documentation. 
Peak Property Management I have never done business with this company. Please remove unless validated with supporting documents. 
XXXX XXXX- {$420.00} Please confirm if this debt is valid and provide full documentation including billing and delinquency notices. 
XXXX XXXX- {$620.00} Requesting verification of this debt. Provide statements or any documentation with my name and address. 
XXXX XXXX  XXXX- {$1100.00} If this account is for medical debt, per CFPB guidance, it should be removed from my credit report unless validated in writing with a detailed bill and medical provider name.

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 2025-07-23 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Was out the country and someone opened a bike loan in my name, I submit ftc report and information they requested mentioning Im a victim of identity theft, and affidavit. The loan is also charged off they didnt send a 1099 either. So either way its unlawful and inaccurate, consumer law - 15 USC 1601!

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 2025-07-23 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: LA

Complaint narrative:
XXXXI sent a certified letter to Experian XXXX with a tracking number XXXX XXXX XXXX XXXX XXXX XXXX  via USPS. The letter was received on XXXX Experian did not reply to my request I proceeded to send another letter dated XXXX  which was also ignored. The account I am disputing is with bank:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
I was XXXX  for 32 years from XXXX. While XXXX  my identity was stolen and used for nefarious purposes which I had no knowledge of. I reported my identity stolen to the FTC, then submitted this to all three credit bureaus. Discover is the only company that is refusing to honor the fact that my identity was stolen and this charge off is causing my credit to suffer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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 : {$560.00} 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 : {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CO

Complaint narrative:
I opened a new business checking account. Their was a promotion to receive a {$900.00} bonus for opening the account. I met the terms of the promotion but didn't receive the bonus. I contacted US Bank on XX/XX/year> via chat and was told I didn't receive the bonus because I have an existing personal checking account. 

However, the terms state : Offer may not be combined with any other business checking account bonus offers. Existing customers ( businesses ) with a business checking account or customers ( businesses ) who had an account in the last 12 months, do not qualify. 

I did not have any other business checking account and have not had a business checking account in the last 12 months. 

I explained this to the chat representative but they weren't able to do anything further.

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 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I opened my JP Morgan Chase bank account in XXXX or XXXX of XXXX. It was closed due to them charging a service fee of XXXX dollars a month under the stipulation that my direct deposits are at least XXXX dollars. I lost my job due to them violating my HIPPA rights in XXXX of XXXX and have not been able to receive direct deposit from henceforth I noticed that I was charged their service fee because I never received a direct deposit higher than XXXX dollars due to me being able to receive some of my pay everyday from my job, but when I lost my job the bank kept taking my last bit of change. I paid the overdraft fee once knowing that I didnt need to because I understand my rights under the UCC USC and TILA but I didnt need my account closed because I was expecting my income tax credit to be deposited to the account eventually and I didnt want no need any delays or issues, but eventually after not receiving the income tax check for months due to their long verification process the bank has service feed my account into negative XXXX dollars. I scheduled a meeting with the bank last week I believe for the XXXX at XXXX but received an email stating that it had been cancelled but then received another stating that I had a meeting with the bank so in my confusion I just went with the original email stating that it was cancelled. My account was officially closed Monday XXXX XXXX and they wont reopen my account and are charging me the XXXX dollars to open a new one and extend my credit once again which they still have. I explained to them under the laws of UCC USC and TILA that it is unlawful for them to act in this manner and to reopen my account but they wont and continue to violate my rights as a consumer and natural born creditor. Ive also explained to them Modern money mechanics and they still chose to violate my rights I have spoken to them about promissory notes as well and they choose not to acknowledge them as legal tender again violating my rights and breaking the law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block 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, inaccurate, and false information consists of XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit 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