vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EGL US, LLC
State: NM

Complaint narrative:
I had a loan of {$9000.00} with BMG money as starting XXXX of XXXX. I made regular payments of {$160.00} bi weekly which was on a payment plan for the next 4 years. In XXXX of XXXX I had made extra money from work and decided to pay off my debt. In the month of XX/XX/XXXX, I made my regular payment of {$160.00} on XX/XX/XXXX and the following additional payments : {$230.00} on XX/XX/XXXX, {$650.00} on XX/XX/XXXX, {$4200.00} on XX/XX/XXXX, {$3500.00} on XX/XX/XXXX. 
My last reported balance for BMG money was {$8600.00} as of XXXX of XXXX on all credit bureaus and the report has remained untouched since that time. The amount I paid in XXXX of XXXX was {$8700.00}. My issue with this company neglecting to report my paid off status has prevented me from being able to get financial assistance for helping my wife be a XXXX XXXX XXXX  mom temporarily and is causing tremendous hardship. Below is attached a bank statement of my payments to BMG money with the amounts specified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Unifin Inc.
State: MI

Complaint narrative:
I was sent a collection notice and Upon review of the Michigan Department of Licensing and Regulatory Affairs ( LARA ) and consumer access resources, I have confirmed that UNIFIN, Inc. is not licensed, bonded, or otherwise authorized to conduct debt collection activities in the State of Michigan. 

Despite this, they have attempted to collect by sending mailed correspondence regarding this alleged account. Such actions are in violation of : The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Michigan Occupational Code, MCL 339.901 et seq.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing a complaint against Citibank regarding the freezing of all my Citi credit card accounts without valid justification. 

A few weeks ago, I was approved for a Citi XXXX XXXX card. I began using the card normally, with the expectation of continued access. Without warning, Citibank froze not only this account, but also every one of my Citi credit cardsincluding an account I have held for more than 10 years. Their stated reason is that some information was not collected during the application process and they are now demanding that I submit a Form 4506-C for my tax returns.

As a frequent credit card user, I know this application process was the same as any other Ive completed, so their claim that required information was missed is dubious. I have never been asked to provide my tax returns to a general credit card company. This request is excessive, unnecessary, and exposes sensitive private information without adequate justification. 

More troubling, Citibank has frozen all of my credit card accounts, not just the new one. It does not follow logically that verifying information allegedly missed on one application requires freezing and blocking access to long-standing accounts in good standing.

The unexpected freezing of these accounts has created significant financial hardship, as it restricts my flexibility to use already-approved credit and has caused negative impacts on my credit report.

I believe Citibanks actions are arbitrary, excessive, and harmful to consumers. I request that the CFPB investigate Citibanks practices regarding retroactive demands for IRS Form 4506-C and the freezing of established accounts without due cause.

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 2025-09-06 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: TrueAccord Corp.
State: CA

Complaint narrative:
I do not recognize this debt, nor have I received any prior validation or documentation proving that I owe this balance. This account appears to be erroneous or fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2025-09-07 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: EQUIFAX, INC.
State: DC

Complaint narrative:
After recently receiving an email from XXXX  notifying me that my personal information had been compromised in a data breach, I am now even more concerned because Equifax also previously notified me that my personal data was exposed in their breach. Since both XXXX  and Equifax have acknowledged breaches of my personal information, it is directly relevant that Experian is now reporting incorrect and fraudulent information on my credit file Becase my personal data was illgeally accessed during the XXXX  and Equifax data breach, and equifax. 

Following these breach notifications, I discovered negative and unauthorized information on my credit reports and immediately contacted Experian, Equifax, and XXXX  to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and are tied to fraudulent activity resulting from the data breaches. 

Despite my efforts, Experian, denied my disputes, asserting that the information had been verified and leaving fraudulent entries, inaccurate addresses, and unauthorized inquiries on my credit reports. This denial has caused me significant distress, negatively impacting my financial stability and mental well-being, as the inaccurate information continues to harm my credit profile. I have faced multiple denials for essential services, including credit applications and other financial opportunities. 
Experian have not fully investigated the potential fraudulent activity linked to the Equifax and XXXX  data breaches, also Experian has blocked me from making online disputes this not only stressful but inconvenient, and I am seeking immediate assistance to correct these errors. I remain committed to resolving this matter and protecting my financial well-being. 

Unauthorized Accounts Listed : Dept of Education XXXX XXXX XXXX : {$2000.00} Date : XX/XX/year> Dept of Education XXXX XXXX XXXX : {$3500.00} Date : XX/XX/year> INCORRECT ADDRESSES LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
BMO Harris is reporting inaccurate information and deceptive 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
Consumer complaint received 2025-09-06 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: SC

Complaint narrative:
After reviewing my credit report, it has come to my attention a collection account from XXXX XXXX XXXX XXXX XXXX account # XXXX * * * is being inaccurately reported as open on my credit report. Inaccuracies in date of last activity, date reported, date open, and original creditor. This is misleading and violates the Fair Credit Reporting Acts accuracy requirements. I am requesting that this account be removed from my credit report.

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 2025-09-06 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: IL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$310.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$590.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$250.00} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/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 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
Account name SOURCE RECEIVABLES MNGMN Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$2100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$2100.00} Highest balance - Terms 1 Month On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: AL

Complaint narrative:
am a Veteran whose XX/XX/XXXX ER/inpatient care at XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL ) was processed through the VA XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX EOBs show the episode was paid to the providers with Veteran Responsibility = {$0.00} and the standard remark payment in full; out-of-network providers shall not balance bill the Veteran. 

Despite this, XXXX is collecting and credit-reporting two medical debts that are not owed : XXXX acct XXXX XXXX Original creditor : Emergency Services of XXXX, XXXX ( XXXX  ). Original {$2100.00} ; now {$2300.00}. Opened XX/XX/XXXX. 
XXXX acct # XXXX Same original creditor. Original {$1300.00} ; now {$1500.00}. Opened XX/XX/XXXX. 

Evidence that VA/XXXX  paid this episode ( Im uploading the EOB pages ) : Claim XXXX ( facility, XXXX XXXX ) Paid to provider {$11000.00} ; Veteran Responsibility {$0.00}. 
Claims XXXX, XXXX ( surgical ) Paid ; Veteran Responsibility {$0.00}. 
Claim XXXX ( radiology, XXXX  XX/XX/XXXX ) Paid ; Veteran Responsibility {$0.00} ; remark states no balance-billing. 
A XXXX/XXXX  bill ( Bill ID XXXX, XXXX XX/XX/XXXX, {$2100.00} ) and a XXXX XXXX XXXX statement ( XXXX XX/XX/XXXX, note : VA XXXX XXXX XXXX ClaimID XXXX ) tie the same hospitalization. 

I disputed with the CRAs and also emailed both XXXX and XXXX requesting recall/deletion and provided these EOBs. The collections remain and continue to harm my credit and increase my auto-loan costs. 

Requested resolution : Order XXXX to cease collection, recall both accounts, and delete both tradelines from all CRAs ; provide claim-level validation if they believe any balance remains after VA XXXX payment XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
Ive had an checking account with TD Bank and deposited a check for XXXX They held the check for a period of time because of the amount, that's understandable but when the check cleared, and the money was in the account, they decided to close my account and end all banking relationships. But, I haven't received my funds for XXXX in the form of an Official Check from there. They closed my account and refuse to send my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA

Complaint narrative:
I am disputing the mortgage companys validation to collect an alleged debt from me and proof that they funded the alleged loan according to the Fair Debt Collection Practices Act and 15 U.S. Code 1692g. Ive attempted to obtain this information from the mortgage company twice with 2 separate Dispute Letters and they failed each time to produce the requested documents and now they are threatening me with foreclosure if I dont pay the alleged debt that they have yet to prove they own and that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: LA

Complaint narrative:
To Whom It May Concern I am submitting this formal complaint under the Fair Credit Reporting Act regarding multiple inaccurate addresses, late payments, and unauthorized inquiries appearing on my credit report. These entries are unverifiable, misleading, and violate federal law. I request immediate reinvestigation and permanent deletion XXXX XXXX XXXX XXXX LA XXXX Wrong Address Issue Inaccurate address reporting Law FCRA 607 ( b ) requires maximum possible accuracy Story This address has never been associated with me. I have no lease, utility bills, or documentation connecting me to this property. Reporting this incorrect address is misleading, harms my credit profile, and violates federal law. This item must be deleted XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Wrong Address Issue Incorrect address reporting Law FCRA 611 requires reinvestigation Story I have never resided at this property and no documents support its inclusion on my credit report. Its presence is inaccurate, misleading, and violates federal law. Immediate deletion is required XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance XXXX Late Payment Issue Unverified late payment Law FCRA 623 applies XXXX XXXX XXXX reports a late payment without providing signed agreements, statements, or proof of notice. Reporting unverifiable late payments misrepresents my credit history and violates federal law. This item must be deleted XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiry Issue Unauthorized inquiry Law FCRA 604 ( a ) applies Story I did not provide consent to XXXX XXXX to access my credit. This inquiry is unlawful and must be removed XXXX XXXX XX/XX/XXXX Inquiry Issue Duplicate unauthorized inquiry Law FCRA 604 ( a ) applies Story This is a duplicate of an unauthorized inquiry by XXXX XXXX. Duplicate reporting exaggerates negative effects on my credit profile and must be removed XXXX XXXXXX/XX/XXXX Inquiry Issue Improper inquiry Law FCRA 604 ( a ) applies Story I did not authorize Onemain to pull my credit report. Reporting this unauthorized inquiry is inaccurate and violates federal law Final Statement Under FCRA 604 ( a ), 607 ( b ), 611, and 623 all addresses, late payments, and inquiries listed above are inaccurate, unverifiable, and harmful. The credit bureaus are legally obligated to reinvestigate and delete all unverifiable or misleading entries. Continued reporting without proper verification constitutes willful noncompliance and violation of consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: CA

Complaint narrative:
I am writing to dispute unauthorized hard inquiries on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I did not authorize the following inquiries 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