vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rozlin Financial Group, Inc.
State: NY

Complaint narrative:
I am writing to formally request validation of the debt referenced in your recent collection notice. Please be advised that this is my first request for verification regarding this alleged debt, and I have not previously received any documentation substantiating its validity. 
Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to request and receive verification of any debt you are attempting to collect.

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 2025-08-14 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: MA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-08-14 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: MA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-08-14 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: PA

Complaint narrative:
I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX Inquired on XX/XX/2024 PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : 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 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist Bank issued a credit card to a complete stranger in my wife 's name without conducting any due dilligence to confirm her identity. Said card had a {$13000.00} credit limit. Upon discovering the fraud I called Truist and asked how they could issue a credit card over the internet without rquesting any verification. They had my phone number and address. The Truist rep said that my wife 's credit was so good that they probably issued the card. They filed the complaint and initiated an investigation. Truist Bank concluded we were the victims of identity theft. Truist cancelled the credit card and noified credit agencies. 

Truist then determined that due to the situation, the checking account I have had with them for over 20 years was at risk of fraud. Truist closed the account which had a balance of {$100.00}. 

1. I called customer service and received a letter advising I would receive a check for the balance of {$100.00} in the account within two weeks.

2. A month later I called and they said it was under investigation 3. I called a month later and they advised that they were confiscating the funds to reimburse themselves for the fraud. I requested to speak to a supervisor and was advised one would call back shortly. They never called 4. I called the identity theft department and they said the funds would be released but I had to call customer service and make a claim.

5. I called customer service and they advised I needed to call the identity theft department. I told them that is who referred me to them.

6. Customer sevice told me I had to speak to account security and verification department and they would transfer me. Instead they disconnected me. 

This all started in XXXX It is now 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 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IN

Complaint narrative:
I am filing this complaint against I C System, a collection company that has placed a collection account on my credit report without my knowledge or consent. I have no contractual agreement, no account history, no business relationship, and no wet signature authorizing this company to collect any alleged debt on my behalf. 
This account is reporting inaccurately and in violation of my rights under the Fair Debt Collection Practices Act FDCPA 15 USC 1692g. They have failed to provide the legally required validation of the alleged debt including the original signed agreement and a complete itemized accounting. The company has also violated the Fair Credit Reporting Act FCRA 15 USC 1681s-2 by furnishing information they know or should know is inaccurate. 
I C System is continuing to report this unverified account to the credit bureaus, causing harm to my credit profile and reputation. This is willful noncompliance with federal law and I demand immediate removal of this account from all credit bureaus. 
I am requesting that the CFPB investigate these violations and require I C System to produce full legal proof of the alleged debt including : The name and address of the original creditor A copy of the original signed contract with my wet signature An itemized accounting of the alleged amount owed Proof of their legal authority and licensing to collect in my state If they can not provide these documents, the account must be deleted in its entirety. Continued reporting of unverified information will result in my pursuing legal action against I C System in state and federal court for statutory damages, costs, and attorney fees. 
I request that the CFPB take immediate action to ensure this inaccurate account is permanently removed from my credit file and that I C System ceases all collection activity.

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 2025-08-14 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: MA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been a Bank of America credit card customer for over 10 years with no history of missed, late, or returned payments. 

On XX/XX/2025, an identity thief gained access to my accounts. I became aware on XX/XX/2025, and immediately filed a police report and contacted Bank of America. I informed a representative that fraudulent transactions had occurred and that my checking account was frozen for security reasons, which might cause a payment to be returned. I was told this would not result in account closure or penalties. 

Within days, I visited a Bank of America branch to restore online access. I discovered that the fraudster had attempted to pay my credit card in full from my frozen checking account, causing the payment to be returned. This return was the direct result of the fraud incident I had already reported. 

Shortly after, I was again locked out of online banking. A supervisor told me my credit card account was closed but could not provide a clear reason. Days later, I received a letter stating the closure was due to the returned payment. 

Bank of America closed my account because of a returned payment that was : Initiated by an identity thief, not me. 

Disclosed to the bank before it occurred. 

Caused solely by the security freeze on my checking account following the fraud. 

I believe this action was unfair and punitive toward a victim of identity theft. I am requesting : Removal of any negative credit reporting related to this incident. 

Written confirmation that the returned payment is not being reported as a delinquency. 

Review of Bank of Americas handling of accounts impacted by verified fraud to prevent similar harm to other consumers. 

I no longer wish to do business with Bank of America, but I want my credit report and record corrected.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 60

5B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$2300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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:
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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: NC

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the fair credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C.1681g ), and 604 ( 15 U.S.C.1681b ). 

After reviewing my recent credit report, I have identified the following inquiries that Ido not recognize or authorize : XXXXXXXX XXXX XXXXXXXX XXXX XXXX IN XXXX XXXX XXXX XX/XX/XXXX Personal Loan Companies TransUnion Account Not Found XXXX XXXX XXXX XXXX XXXXXXXX WI XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXe TransUnion XXXXXXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XX/XX/XXXX Personal Loan Companies TransUnion

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 2025-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/year>, I used PayPal to send {$3800.00} to a seller named XXXX XXXX for three bathtubs. The seller instructed me to pay via XXXX, and I followed those instructions because I assumed PayPal would still protect the transaction. The seller never shipped the products and gave me a fake tracking number from a non-existent shipping company. This is a clear case of fraud. 

I opened a dispute with PayPal ( Case ID : XXXX ) and submitted evidence showing the sellers intent to defraud. However, PayPal denied my claim, stating the transaction went through a third-party and was therefore not covered under their Buyer Protection policy.

Now, despite multiple follow-upsincluding a direct escalation to their executive officePayPal still refuses to help. They closed the case and wont consider reopening it. Their most recent response ( dated XX/XX/year> ) confirmed that they wont issue a refund even though the transaction was funded by my credit card. 

I am now asking the CFPB to investigate whether PayPal is violating consumer protections by : Refusing to acknowledge credit card chargeback rights under the Fair Credit Billing Act ( FCBA ).

Failing to support customers when their platform facilitates clear fraud.

Using internal policies to sidestep legal protections that apply to credit-card-funded transactions.

Im happy to provide all supporting evidence, including PayPals most recent denial, the fake tracking info, invoice, and proof that the sellers Payoneer account was later shut down. 

Please help me recover my funds and ensure that PayPal is held accountable for how they treat cases like this. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation