vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a Citi checking account through their offer page, which advertised a {$750.00} bonus for maintaining a {$30000.00} balance for 90 days after account opening. I deposited the required amount and kept it in the account for almost a month. When I contacted customer service to confirm my enrollment, they informed me that the promo code was not applied and refused to apply it manually. This offer has been publicly available since XX/XX/year> and is open to all applicants. 

Here 's the link to the offer : 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 2025-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I solemnly affirm Under the risk of legal consequences that I am making an allegation against an individual or a company. According to this claim they utilized my social security number and card along with other personal identifying information without my consent to apply for goods services or succeeded in creating several accounts through this unauthorized action. I want to emphasize that I have no knowledge of these activities and the matter is currently under investigation by the FTC Unauthorized Accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: NC

Complaint narrative:
I am filing this complaint to report the continued inclusion of fraudulent and unverifiable accounts across all three of my credit bureau reports Equifax, Experian, and TransUnion despite having provided complete documentation establishing my status as both a victim of identity theft and a victim of human trafficking. 

Under Section 605C of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), the listed accounts and inquiries must be blocked and deleted within XXXX business days after receiving my supporting documentation. The credit reporting agencies have not yet complied with these federal requirements Fraudulent Accounts Resulting from Identity Theft and Human XXXX The following accounts were opened or misused without my authorization and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are identified in both my FTC Identity Theft Report and my FCRA Section 605C XXXX XXXX XXXX XXXX XXXX signed by XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX ( Violating FCRA 604 and 1681C-2 ) The following inquiries were performed without my knowledge or consent and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am a certified XXXX XXXX XXXX XXXX. The letters from both organizations, along with my XXXX XXXX, request immediate removal of all adverse items resulting from trafficking. 
According to 12 C.F.R. 1022.142, credit bureaus are prohibited from reporting any negative information resulting from severe trafficking within XXXX business days of receiving valid documentation. None of the bureaus have complied within the required timeframe. 

Failure to Conduct Proper Reinvestigation Despite sending formal dispute and deletion requests to all three bureaus, including proof of identity, address verification, and my FTC Identity Theft Report # XXXX, the disputed items remain on file. 
This constitutes a violation of FCRA 611 ( a ) ( failure to reinvestigate ) and FCRA 607 ( b ) ( failure to ensure maximum possible accuracy ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint to report the continued inclusion of fraudulent and unverifiable accounts across all three of my credit bureau reports Equifax, Experian, and TransUnion despite having provided complete documentation establishing my status as both a victim of identity theft and a victim of human trafficking. 

Under Section 605C of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), the listed accounts and inquiries must be blocked and deleted within XXXX business days after receiving my supporting documentation. The credit reporting agencies have not yet complied with these federal requirements Fraudulent Accounts Resulting from Identity Theft and Human XXXX The following accounts were opened or misused without my authorization and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are identified in both my FTC Identity Theft Report and my FCRA Section 605C XXXX XXXX XXXX XXXX XXXX signed by XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX ( Violating FCRA 604 and 1681C-2 ) The following inquiries were performed without my knowledge or consent and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am a certified XXXX XXXX XXXX XXXX. The letters from both organizations, along with my XXXX XXXX, request immediate removal of all adverse items resulting from trafficking. 
According to 12 C.F.R. 1022.142, credit bureaus are prohibited from reporting any negative information resulting from severe trafficking within XXXX business days of receiving valid documentation. None of the bureaus have complied within the required timeframe. 

Failure to Conduct Proper Reinvestigation Despite sending formal dispute and deletion requests to all three bureaus, including proof of identity, address verification, and my FTC Identity Theft Report # XXXX, the disputed items remain on file. 
This constitutes a violation of FCRA 611 ( a ) ( failure to reinvestigate ) and FCRA 607 ( b ) ( failure to ensure maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
In XX/XX/year>, I discovered a collection account on my TransUnion credit report showing the original creditor as University XXXX Maryland XXXX XXXX ( UMGC ) and the collection agency as Maryland XXXX XXXX XXXX ( CCU ). I have never applied for admission, enrolled in courses, or authorized anyone to act on my behalf with XXXX. I was never contacted by XXXX or CCU regarding this account. I only became aware of its existence after discovering a collection entry on my TransUnion credit report. This is a clear case of identity theft On XX/XX/year>, I reported this incident of identity theft to the police XXXX XXXX XXXX XXXX, and I was assigned Case Number XXXX. I am requesting that this incident be documented as an identity theft police report, so I can provide the police report to XXXX, XXXX, and the credit reporting agencies in order to clear this fraudulent debt from my records. 

On XX/XX/year>, I submited a dispute on the TransUnion website and on XX/XX/year>, the dispute completed and showed result is " We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ''. This account does not belong to me. I am a victim of identity theft, but TransUnion has refused to remove this account 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 non-monetary relief
Consumer complaint received 2025-10-15 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: MI

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 
All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: NY

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: MI

Complaint narrative:
DIV ADJ SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research DIV ADJ SERV is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Mortgage — USDA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc.
State: OK

Complaint narrative:
To summarize the situation : I took out a loan around XXXX to purchase property and construct a shop building. The property was later sold, and I believed the loan had been fully paid off by my ex-husband. Unfortunately, a remaining balance of around {$2500.00} was left unpaid without my knowledge. I noticed a significant drop in my XXXX XXXX after that time and contacted XXXX XXXX when seeing the non payments on my credit report. At that time, I was informed that the loan had been written off in XXXX of XXXX and COULD NOT BE PAID. Since then, my credit report has reflected a non-payment on this loan every month for the past XXXX years. This ongoing delinquency has negatively impacted my ability to secure credit and has cost me thousands of dollars in higher interest rates on other loans. I have made multiple attemptsmost recently on XX/XX/XXXX, XXXX reach the contact listed in a letter I received this XXXX ( XXXX XXXX, XXXX ext. XXXX ). I have left several voicemails without receiving any response. I also reached out several times in XXXX, XXXX, XXXX, and now XXXX, offering to pay the remaining balance if possible, because it was still hurting my XXXX XXXX, but was again informed that the loan had been written off and could not be settled. * Around a month ago, I was told by XXXX operator that yes now I could pay it, but it had gained over $ XXXX in interest so I would have to pay somewhere around $ XXXX? This is still ongoing. In XXXX YEARS, not XXXX representative from XXXX has called me back after several promises of a call back. I am stuck in a doublewide trailer and can not get a home loan because my credit is so low. PLEASE, PLEASE, PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: NC

Complaint narrative:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: IL

Complaint narrative:
This letter serves as a formal dispute under FCRA 607 ( b ) and 611 for both a tradeline and several unauthorized inquiries. 
XXXX XXXX and XXXX ( Account XXXX XXXXXXXX ) : Your report shows the account as charged off with a current balance of {$880.00} and payment history beyond the charge-off date. These errors conflict with XXXX fields XXXX, XXXX, XXXX, and XXXX. Please obtain the furnishers complete ledger and delete if not verifiable per XXXX v. 
TransUnion ( XXXX XXXX XXXX ). 
Inquiry Dispute Lack of Permissible Purpose : XXXX XX/XX/XXXX SETTLEMENT O XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Provide documentary evidence of my authorization or remove these entries under 611 ( a ) ( 5 ) ( A ). 
If you can not fully verify within XXXX  days, delete all unverifiable information or face escalation to the CFPB, FTC, and XXXX XXXX for violations under 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 non-monetary relief
Consumer complaint received 2025-10-15 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
There was fraud on the accounts around XXXX of XXXX. I submitted my complaint, everything went great, I submitted the documentation of the fraud with proof of emails and such. Months go by no problem, then all of a sudden my accounts are closed around XXXX. I changed primary addresses but could not update the settings since I had no account access. My mail was being forwarded and I received everything months later in XXXX of XXXX, statements that further proof was needed ( which was provided ), then collections letters came for the negative balance, and they reported my account to XXXX  which has prevented me from banking with anyone now and my accounts are being closed at banks because of their unwillingness to cooperate with me at a human level and resolve the issue. I have tried to reach out to their support team but am being ghosted for weeks, I was told my inquires were forwarded to the relevant team and still have not heard back.

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