vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I have an account with the Citizen bank in XXXX, MA both saving and checking. There was {$710.00} taken from my checking account when I noticed this I made a claim to the bank and they put my money back into my account and told me that they were going to investigate so I didn " t hear from them again until XX/XX/year> XXXX the bank went back into my account and withdrew the same {$710.00} from my account without notifying me when I went to use my bank card it was invalid so I went back to the bank to get a print out and the teller informed me that the bank has taken XXXX out of my bank I went and called their head office and made the complaint and one of the representatives said he was refiling the report again and they would get back to me but I have not heard anything from them. So I Am reporting this because I need my money back into my account I need to pay my bills.I don " XXXX know if they denied my claim or not and if they did I need to know why because they have not contacted me they only went back into my account and took my money back. because this is very upsetting to me they have no regards for me only my money and this is wrong I believe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: Credit Corp Solutions Inc.
State: MA

Complaint narrative:
This complaint concerns three tradelines reported by XXXX XXXX XXXX XXXX XXXX for alleged debts originally owed to XXXX XXXX  ( XXXX and XXXX XXXX ) and The XXXX XXXX XXXX  ( XXXX ). 

On XX/XX/year>, I sent a formal written dispute and debt validation request via Certified Mail, Return Receipt Requested, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I requested : The original signed contracts A full itemized accounting Chain of assignment Proof of Credit Corps authority to collect in Massachusetts Credit Corp responded but failed to provide proper validationonly billing statements and generic terms. Despite this, they continued furnishing negative information to credit reporting agencies, as confirmed in my XXXX  and XXXX  credit reports dated XX/XX/year>. 

On XX/XX/year>, I issued a formal 30-day demand letter under Massachusetts General Laws Chapter 93A ( Consumer Protection Act ), citing specific violations and requesting tradeline deletion, cessation of collection activity, and a {$7500.00} good faith settlement. Credit Corp did not comply.

Violations alleged : FDCPA 1692g ( b ) : Continued collection/reporting without proper validation.

FCRA 1681s-2 ( b ) : Furnishing data after receiving dispute without investigation.

M.G.L. c. 93A : Unfair/deceptive practices after formal legal notice.

Relief requested : Immediate deletion of Credit Corp tradelines from all CRAs.

Cessation of any collection activity.

Referral to the MA Attorney General for 93A violations.

Recommendation for statutory damages under FDCPA and FCRA.

I am attaching all supporting documentation : Validation request letter Credit Corps responses 93A demand letter Credit reports showing continued reporting I request that the CFPB investigate Credit Corps policies and ensure compliance with federal and Massachusetts consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: MO

Complaint narrative:
I am reporting identity theft and requesting the removal of unauthorized accounts and inquiries from my credit report. These items were opened without my knowledge or consent.

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I ask that this information be blocked and removed from my file.

Please provide written confirmation once the corrections are complete.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint as a victim of identity theft. I discovered that multiple credit accounts were fraudulently opened in my name while I was incarcerated from XXXX XXXX XXXX through XX/XX/XXXX * *, during which time I had no ability to access credit, authorize new accounts, or engage in any financial activity. 

Upon obtaining my credit reports from the three major credit bureaus ( Equifax, Experian, and TransUnion ), I identified several accounts that I did not open, use, or authorize. These accounts were opened and in use during a time when I was in federal custody, and I have attached documentation to confirm my incarceration during this period. 

I have taken the following actions : * I filed an * * Identity Theft Report * * with the * * Federal Trade Commission * * ( FTC ) through IdentityTheft.gov. 
* I submitted written disputes to the credit bureaus requesting the removal of these fraudulent accounts. 
* I contacted the creditors directly, where possible, to dispute the accounts and request closure and removal. 

Despite these steps, some of the fraudulent accounts remain on my credit reports, and I have not received adequate resolution from the bureaus or the creditors involved.

I am requesting the CFPBs assistance in : 1. Investigating the mishandling of my dispute by the credit reporting agencies and creditors.

2. Ensuring that all fraudulent accounts opened during my incarceration are permanently removed from my credit reports.

3. Holding the responsible parties accountable for failing to properly investigate and remediate my identity theft claim.

I have included supporting documentation with this complaint, including : * Proof of incarceration ( e.g., Department of Corrections records, release papers ) I respectfully request urgent action, as these fraudulent accounts are severely damaging my credit and hindering my ability to reintegrate into society following my release. 

Thank you for your attention to this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
QWR DVR and demand under TILA, UETA, MUETA and other laws to provide me response from the real human - not unregulated XXXX XXXX- who has personal knowledge about current status of my escrow ( not a debt ) and provide direct contact information for the employee of the Creditor who is entitled to receive and who actually received my money I currently pay {$150.00} for alleged past escrow and {$190.00} for alleged present escrow- which I never had The total amount of escrow I currently pay is {$350.00} ( XXXX + {$150.00} ) XXXX  generated billing statements from undisclosed to me XXXX companies show completely different amounts : {$150.00} and {$91.00} or total {$240.00} None of my payments were not used to pay for any of my escrow expenses I demand answer from the HUMAN ( not XXXX  ) employee of the owner of escrow account where my {$350.00} are deposited to provide me verification of status of my escrow and the source of funds used to make my escrow payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am submitting a formal follow up complaint to request the removal of a XXXX  from my credit report that is the result of identity theft. After thoroughly reviewing my credit report, I have discovered that this XXXX  filing was not authorized by me and is the result of fraudulent activity. 
Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), I am entitled to request the removal of information from my credit report if it is the result of identity theft. This includes fraudulent XXXX  filings. In accordance with the FCRA, upon submission of a valid identity theft report, you are required to block this fraudulent information from my credit file. 
The XXXX  in question is listed as follows on my credit report : XXXX XXXX XXXX XXXX XXXX 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 2025-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute several items listed on my credit report that I believe are inaccurate or have been reported in error. These items do not belong to me and I am requesting that they be investigated and removed from my credit file as per the Fair Credit Reporting Act ( FCRA ) 605B, which requires the removal of inaccurate information from a consumer 's credit file. The following items are in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am filing this complaint because a debt collection agency has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g ( a ) I was contacted by Portfolio Recovery Associates on XX/XX/year> regarding a debt they claim I owe. The contact was made via phone. However, as of todays date, I have not received any written validation notice of the debt, as required by federal law.

According to the FDCPA 809 ( a ), my understanding is that debt collector must send me a written notice containing the following information within five ( 5 ) days of the initial communication : The amount of the debt, The name of the creditor to whom the debt is owed, A statement informing me that I have 30 days to dispute the debt, A statement that, if I dispute the debt in writing within 30 days, the collector will obtain verification of the debt and mail it to the me, A statement that, upon written request within 30 days, the collector will provide the name and address of the original creditor.

To date, none of this required information has been provided to me in writing, and more than five days have passed since the initial contact. As a result, I have been denied my legal right to dispute and validate the debt.

This collection agencys failure to comply with this federal obligation has created confusion, emotional distress, and placed me at a disadvantage in responding to this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-08-08 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: EQUIFAX, INC.
State: KY

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : DEPT OF EDUCATIONXXXX XXXX Balance : {$7000.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$6400.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$5300.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$4400.00} DEPT OF EDUCATIONXXXX XXXXXXXX Balance : {$4300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: GA

Complaint narrative:
Transunion is reporting an allege collection from XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion never provided me with validation that this account belongs to me. I have no knowledge of ever doing business with this company or going into any agreement for repayment. Transunion also failed to prove me with the required disclosure for me to opt out of this j formation ever being shared without my consent. This is a violation of my rights that can not be ignored. 17 CFR 248.124 - Reasonable opportunity to opt out. I want Transunion to prove me with validation of this allege 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 non-monetary relief
Consumer complaint received 2025-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am requesting the immediate and permanent deletion of all fraudulent inquiries listed below, as I did not authorize them and they are the result of identity theft : XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The credit bureau must : Block and delete these inquiries in compliance with FCRA 1681c2 within XXXX business days of receipt of my FTC Identity Theft Report and proof of identity. 

Provide written confirmation that the deletions have been completed. 

Issue an updated consumer report reflecting the removal of the fraudulent items. 

I expect these corrections to be completed promptly and in full compliance with federal 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 2025-08-08 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-08 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:
There are items on my credit report that are inaccurate, outdated, or incomplete. These errors affect my ability to obtain credit and do not reflect my true credit history. The FCRA was enacted to ensure fairness, accuracy, and privacy in credit reporting, and continued reporting of incorrect information undermines those protections. Despite previous disputes and requests for verification, the accounts remain, with no meaningful investigation or correction provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are items on my credit report that are inaccurate, outdated, or incomplete. These errors affect my ability to obtain credit and do not reflect my true credit history. The FCRA was enacted to ensure fairness, accuracy, and privacy in credit reporting, and continued reporting of incorrect information undermines those protections. Despite previous disputes and requests for verification, the accounts remain, with no meaningful investigation or correction provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief