vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: CT

Complaint narrative:
In XXXX, I attended XXXX XXXX XXXX, which was included in the XX/XX/XXXX XXXX settlement requiring XXXX to cease collection on student debt incurred before XX/XX/XXXX. Despite this, Aidvantage has continued to report my student loans to the credit bureaus. On XX/XX/XXXX, I confirmed via chat with an Aidvantage agent that my loans were placed in forbearance beginning XX/XX/XXXX and postponed until XXXX/XXXX/XXXX due to my pending XXXX XXXX application ( Case XXXX XXXXXXXX ). However, they are still showing as active and affecting my credit report. I am requesting immediate suppression of all reporting activity related to these loans until my discharge case is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: GA

Complaint narrative:
I am notifying you that fraudulent accounts have appeared on my credit file. These were created without my knowledge or permission. Under 15 U.S. Code 1681g, I demand that these entries be removed within 15 days. Supporting documentation has been included.

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 2025-06-18 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: FL

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

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$720.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: PA

Complaint narrative:
XXXX credit card us bank elan keep trying to take payments and XXXX and elaborate arent processing them correctly and they are not going through as of this date they blame one another

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 2025-06-18 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: FL

Complaint narrative:
I am writing to dispute two accounts that are being inaccurately reported under my credit profile. The accounts in question are from XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX. I have never opened, applied for, or authorized any accounts with either of these institutions. Despite multiple disputes and requests for verification, these accounts continue to show as accurate, which is completely false and misleading. 

This is a case of mistaken identity or possible fraud, and continued reporting of these accounts is causing unjust harm to my credit profile. I am requesting a full reinvestigation under the Fair Credit Reporting Act ( FCRA ) Section 611, and for these accounts to be deleted from my credit report immediately if the furnishers can not provide proper proof of ownership, such as a signed contract or application.

Please correct this error, stop reporting inaccurate information, and send me written confirmation of the deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
I am writing to dispute two accounts that are being inaccurately reported under my credit profile. The accounts in question are from XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX. I have never opened, applied for, or authorized any accounts with either of these institutions. Despite multiple disputes and requests for verification, these accounts continue to show as accurate, which is completely false and misleading. 

This is a case of mistaken identity or possible fraud, and continued reporting of these accounts is causing unjust harm to my credit profile. I am requesting a full reinvestigation under the Fair Credit Reporting Act ( FCRA ) Section 611, and for these accounts to be deleted from my credit report immediately if the furnishers can not provide proper proof of ownership, such as a signed contract or application.

Please correct this error, stop reporting inaccurate information, and send me written confirmation of the deletion.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally express my concern regarding the removal or deactivation of my accounts without my prior knowledge or consent. To the best of my understanding, I did not violate any terms of service, nor was I notified in advance about any issues requiring action on my part. I was surprised to discover that my account had been removed, and I respectfully request a full explanation of the cause, along with immediate reinstatement.

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 2025-06-18 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: ID Analytics, Inc.
State: NJ

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: MI

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : DEPTEDXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX -- -- Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2025-06-18 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : DEPTEDXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX -- -- Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2025-06-18 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-18 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: CT

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/year> 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 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was a victim of identity theft. In early [ XXXXXXXX  Year ], my purse was stolen with my phones password my social & child social Shortly after, someone gained unauthorized access to my Citibank account and attempted to deposit a fraudulent check. I did not authorize or initiate this transaction and reported the issue as soon as I became aware of it. 

Despite being the victim, Citibank closed my account and reported me to XXXX XXXX XXXX as being involved in fraudulent activity. This has severely impacted my ability to open or maintain banking relationships with other institutions, through no fault of my own.Never have they once seen me at the atm depositing anything I open this account to save money for my XXXX old for college I contacted Citibank to dispute this report and explained the situation, but they refused to remove the fraudulent information. I also submitted documentation to XXXX XXXX XXXX including a reinvestigation request. However, XXXX XXXX indicated that they can only act on instructions from the reporting bankCitibank. 
I am requesting that : Citibank conduct a proper reinvestigation of this incident, in compliance with the Fair Credit Reporting Act ( FCRA ) ; The fraudulent record be removed from my XXXX XXXX XXXX file ; Any incorrect reporting that continues to label me as a fraud risk be fully corrected I receive written confirmation that the account was closed due to identity theft, not because of wrongdoing on my part. 
am the victim of a crime. I am not the individual who committed fraud. Being reported as such has caused harm to my financial life and emotional well-being. Under the FCRA, I have a legal right to fair and accurate reporting, and to dispute inaccurate information. Citibanks refusal to correct this is unjust and damaging.

I am aware that Citibank has previously been the subject of regulatory action and lawsuits related to mishandling consumer fraud and account closures. This reflects a broader pattern of negligence in how they treat identity theft victims. My experience appears to follow this pattern XXXX, Citibank was fined {$400.00} XXXX by the Office of the Comptroller of the Currency for deficiencies in risk management and internal controls including how they handle consumer accounts. My situation reflects these same internal control issues, as I was misidentified as a fraud risk after reporting identity theft.

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 2025-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
b"I sent documents to LVNV FUNDING and requested a investigation in to identity theft. I've been fighting with them for a while to prove these debts aren't mine. XXXX XXXX XXXX XXXX XXXX XXXX. Starting in XXXX  of XXXX  through XXXX  of XXXX.\nAmounts of XXXX XXXX XXXX. I've also contacted XXXX XXXX regarding this. They received documents as well as a police report in the past."

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: TN

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

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TN XXXX INQUIRIES XXXX XXXX  Date : XX/XX/scrub>XXXX XXXX  XXXX XXXX Date : XX/XX/year> XXXX  Date : XX/XX/scrub>XXXX XXXX XXXX  Date : XX/XX/year> XXXX XXXX Date : XX/XX/scrub>XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year>

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 2025-06-18 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 respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-06-18 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 letter serves as a dispute of unauthorized accounts reported under my name. I had no involvement in initiating these accounts and request their deletion in compliance with 15 U.S. Code 1681g. Please act within 15 days and refer to the attached documents.

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 2025-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
U.S. Bank, N.A. foreclosed based on false statements XXXX XXXX attorneys. U.S. Bank, N.A. is located in XXXX. I was paying mortgage to XXXX XXXX XXXX. And I was illegaly evicted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTED/XXXX  XXXX DEPTEDXXXX XXXX DEPTED/XXXX  XXXX DEPTED/XXXX  XXXX DEPTED/XXXX  XXXX DEPTEDXXXX XXXX DEPTED/XXXX  XXXX DEPTED/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
Consumer complaint received 2025-06-18 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and 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 2025-06-18 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: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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