vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Equifax immediately block and permanently remove multiple fraudulent accounts, including collections, charge-offs, late payments, and hard inquiries, that were added to my credit report without my knowledge or authorization. These accounts are the result of identity theft and fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report # XXXX together with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. XXXX  is currently reporting an unauthorized XXXX XXXX account, number beginning XXXX, opened in XX/XX/year> with a reported balance of {$0.00}. I never applied for, opened, or authorized this account, and I request that it be immediately blocked and permanently removed from my XXXX  credit file in accordance with my rights under the FCRA. I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO credit report, which I do not recognize and which is the result of identity theft and fraud. This fraudulent account consists of a child support account reported by XXXX  ( XXXX ), opened on XX/XX/year> with a balance of {$0.00}. This account has resulted in fraudulent hard inquiries and negative information appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection or enforcement activity related to said item cease pursuant to my rights under the FCRA and FDCPA laws. It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: IN

Complaint narrative:
I AM DEMANDING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT, AS THEY WERE NEVER AUTHORIZED AND THEIR CONTINUED REPORTING IS A CLEAR VIOLATION OF MY FEDERALLY PROTECTED RIGHTS UNDER THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681I ). DESPITE MONTHS OF DISPUTES AND THE SUBMISSION OF AN FTC IDENTITY THEFT REPORT, THESE FALSE ENTRIES REMAIN, WHICH IS UNLAWFUL. ENCLOSED IS AN INVOICE FOR {$1000.00}, ISSUED IN XXXX, FOR THIS VIOLATION. IF THIS MATTER IS NOT RESOLVED IMMEDIATELY, I WILL FILE SUIT IN SMALL CLAIMS COURT IN MY CITY AND STATE TO RECOVER DAMAGES. BE ADVISED THAT LATE FEES OF {$1000.00} PER DAY HAVE BEEN ACCRUING SINCE XXXX AND WILL CONTINUE TO ACCRUE FOR EACH DAY PAYMENT IS DELAYED. I EXPECT IMMEDIATE CORRECTIVE ACTION AND PERMANENT DELETION OF THESE ACCOUNTS WITHOUT FURTHER DELAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I AM DEMANDING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT, AS THEY WERE NEVER AUTHORIZED AND THEIR CONTINUED REPORTING IS A CLEAR VIOLATION OF MY FEDERALLY PROTECTED RIGHTS UNDER THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681I ). DESPITE MONTHS OF DISPUTES AND THE SUBMISSION OF AN FTC IDENTITY THEFT REPORT, THESE FALSE ENTRIES REMAIN, WHICH IS UNLAWFUL. ENCLOSED IS AN INVOICE FOR {$1000.00}, ISSUED IN XXXX, FOR THIS VIOLATION. IF THIS MATTER IS NOT RESOLVED IMMEDIATELY, I WILL FILE SUIT IN SMALL CLAIMS COURT IN MY CITY AND STATE TO RECOVER DAMAGES. BE ADVISED THAT LATE FEES OF {$1000.00} PER DAY HAVE BEEN ACCRUING SINCE XXXX AND WILL CONTINUE TO ACCRUE FOR EACH DAY PAYMENT IS DELAYED. I EXPECT IMMEDIATE CORRECTIVE ACTION AND PERMANENT DELETION OF THESE ACCOUNTS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
The consumer reporting agency has violated FCRA 1681b by reporting information on my credit file without a permissible purpose or my consent. I did not authorize these entries. The continued presence of this information is an unlawful act that has compromised the integrity of my credit file and caused me financial and emotional distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I received a notification that I had a new collection account from PayPal monthly loan that was supposedly opened in XX/XX/year> and that was currently with XXXX XXXX. The amount is {$260.00}. I reached out to PayPal and no one was able to get to the bottom of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I recently looked at my credit report from TransUnion and I found several hard inquiries that are the result of identity theft. 

These inquiries were not authorized by me and should be removed. 

Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), which states that these must be removed within 4 business days of receipt.

These inquiries are causing me hardship and are preventing me from obtaining new credit. 


List Hard Inquiries : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX These inquiries have no permissible purpose. Delete these inquiries pursuant to FCRA 605B.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank , N.A . 
XXXX XXXXXXXX XXXX XXXX XXXX, SD XXXX Subject : Request for Removal of Late Charges on XXXX, XXXX, XXXX  Macys Credit Card Macys Account Ending in XXXX XXXX and XXXX. 

Dear Citibank Customer Service, I am writing regarding my Macys credit card account ending in XXXX ( Past Due XXXX and XXXX. 
( XXXX XXXX ) XXXX ) Recently, I noticed late charges applied to my account on XXXX occasions. I respectfully request that these charges be reviewed and removed. 
I have been a loyal Macys customer and have made consistent efforts to maintain my account in good standing. These late payments were not intentional, and I value my relationship with Macys/Citibank . I kindly ask for a goodwill adjustment as a courtesy for these late fees so that I may continue managing my account responsibly. 
I would greatly appreciate your assistance in this matter and look forward to your favorable response. Please confirm in writing that the late charges have been waived.

Iam asking for the late notices to be removed on both cards Thank you for your time and consideration. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I reported my money XXXX  from my account XX/XX/year> fraud department explain to me it will take up to 45 calendar days to complete investigation, during that time if I am eligible I will receive temporary credit within 10 business calendar days fine the following day XX/XX/year> my access was blocked for online banking it rerouted me to contact customer service which I did hold length was up to XXXX hours once I got a hold of a representative they then redirected me to the fraud department and the fraud department said they have decided to close my account and I should receive a letter in 30 to 60 days, Money was taking out of my account I reported to my bank and they abruptly close it as soon as I report missing funds and multiple transactions on my account

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 2025-09-23 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
I contact the company Harris and Harris debt collector pay in which was stated by XXXX. I contact Harris and Harris I asked if the debt and collection in the amount of {$850.00} would clear my registration stop in the state of XXXX. The representative explained to me that upon making the payment I would receive a clearance on my XXXX  driver registration for my motor vehicle. I asked the representative was she sure if I made the payment that the amount would reflect on my account and release the registration, and if XXXX had a on my registration for my vehicle and she stated yes that he pass and Sunpass are both debt collectors and they both had a Registration stop and guarantee me playing the amount would release the registration stop. Upon in the payment, I contacted the XXXX service and they explained that was fast Not XXXX, Registration stop. It would have been a pass at the amount due would be owed to. I contacted Harrison Harris and requested a refund in the amount of {$850.00} and they decline the refund stating I authorize the payment however, I authorize the payment under false information from the representative.

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 2025-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit report from XXXXTransUnion ( generated XX/XX/XXXX ) shows several hard inquiries that I did not authorize. These inquiries negatively impact my credit score and are inaccurate under the Fair Credit Reporting Act ( FCRA ). 

Details of the Problem : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  ( XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-09-23 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: GA

Complaint narrative:
I am submitting this formal complaint against multiple furnishers and credit reporting agencies for reporting inaccurate, incomplete, and damaging information on my consumer credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable federal consumer protection laws. 

The following items have been reported inaccurately and must be investigated : XXXX XXXX XXXX XXXX  ( Account : XXXX ) Date Opened : XX/XX/XXXX Reported High Credit : {$1500.00} Issue : Reported late payment history that I dispute as inaccurate and unverifiable. 

XXXX  ( Account : XXXX ) Date Opened : XX/XX/XXXX Reported High Credit : {$2600.00} Issue : Reported late payment history that is not accurate, unverifiable, and outside standard reporting guidelines under the FCRA. 

XXXX XXXX XXXX XXXX XXXXXXXX ( File : XXXX ) Issue : A bankruptcy record that has been inaccurately associated with me. I was not party to this bankruptcy case, and it is erroneously damaging my credit file. 

These entries are : Inaccurate and unverifiable. 

Causing irreparable harm to my credit standing, financial stability, and ability to obtain fair credit opportunities. 

Reported in direct violation of FCRA Sections 602, 607, 609, 611, and 623.

I am demanding : A full and thorough investigation into these accounts.

Immediate removal of any unverifiable, inaccurate, or obsolete information from my credit file. 

Written confirmation of corrective actions taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: EQUIFAX, INC.
State: AZ

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 2025-09-23 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: FL

Complaint narrative:
I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE, IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW XXXX, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF XXXX XXXX WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I am filing a complaint regarding U.S. Banks handling of a fraudulent balance transfer check. 

A U.S. Bank promotional balance transfer check mailed to me was stolen and fraudulently cashed for {$8700.00}, plus a {$430.00} fee ( total {$9100.00} ). I did not receive, authorize, or use this check. I also did not receive any verification or notification from U.S. Bank when the transaction occurred. 

I reported the fraud to U.S. Bank immediately upon discovering the charge, but the bank has refused to credit back the fraudulent amount. 

U.S. Bank failed to ( XXXX ) verify the identity of the person cashing the check, and ( XXXX ) comply with consumer protection requirements under the Fair Credit Billing Act ( FCBA ) by not removing this unauthorized charge.

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 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are late payment entries on my credit report that I believe are inaccurate. As outlined in 15 USC 1681e ( b ) and 15 USC 1681i, my report must contain only accurate, complete, and verifiable information. I am requesting verification of these entries, and if they can not be confirmed, they should be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
Security Credit Services has failed to provide legally sufficient validation for a debt they are attempting to collect and report, in violation of the FDCPA. I exercised my rights under 15 U.S.C. 1692g and sent a final demand letter on XX/XX/year>, requesting full validation. In their written response dated XX/XX/year>, they explicitly refused to provide the chain of assignments or purchase agreement necessary to prove their legal standing to collect this debt. Instead, they cited case law in an attempt to intimidate me and evade their legal obligations. Providing old statements and a simple seller notification is not adequate validation. This constitutes an unfair and deceptive collection practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Brock & Scott, PLLC
State: TN

Complaint narrative:
I am disputing a XXXXXXXX XXXX XXXXXXXX XXXX credit card account that Brock & Scott , PLLC is attempting to collect through litigation. This account was used fraudulently by my abusive ex-partner during a period of documented domestic violence and financial coercion.

I submitted a police report documenting the abuse and unauthorized use of my credit cards. I also notified both XXXX and Brock & Scott directly of the fraud. Despite this, XXXX continues to report the account as valid, and Brock & Scott is actively suing me in court for a debt I do not owe. 

This conduct violates my consumer rights : FCRA ( 15 U.S.C. 1681s-2 ( b ) ) : XXXX, as a furnisher, failed to conduct a reasonable investigation after being provided notice of fraud and a police report. 

FDCPA ( 15 U.S.C. 1692e and 1692f ) : Brock & Scott continues to attempt collection and pursue litigation on a fraudulent debt, despite being given evidence of abuse and fraud. 

This situation has caused me significant emotional distress, including anxiety attacks, loss of sleep, and further harm to my credit profile.

Company response to consumer: Closed with explanation