vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian, Transunion, and Equifax to reinvestigate these accounts : FAIR COLLECTIONS & OUT XXXX * * XXXX XXXX XXXX XXXX * * * * XXXX XXXX XXXX XXXX * * * * However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to delete accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-03 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: AZ

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Account name : XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX Account number : # XXXX Account name XXXX XXXX XXXX XXXX  OR XXXX XXXX XXXX XXXX Account number : # XXXX Account name : XXXXXXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX Account number : # XXXX HARD INQUIRY : XXXX ( Finance ) XXXX HARD INQUIRY : XXXXXXXX XXXX ( Bank ) XXXX The Federal Credit Report Act promotes the accuracy, fairness, and privacy of information in a credit report. 
Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, 15 USC 1681s-2 ( a ) ( 1 ) reasonable cause to believe that the information is inaccurate, 15 USC & 1681s-2 ( a ) ( 7 ) negative information,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies,15 USC 1681a ( q ) ( 4 ) Definition : identity theft report,15 U.S. Code 1692k - Civil liability and send the required notifications to all Furnishers of this 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 2025-05-03 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Account name : XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX Account number : # XXXX Account name XXXX XXXX XXXX XXXX  OR XXXX XXXX XXXX XXXX Account number : # XXXX Account name : XXXXXXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX Account number : # XXXX HARD INQUIRY : XXXX ( Finance ) XXXX HARD INQUIRY : XXXXXXXX XXXX ( Bank ) XXXX The Federal Credit Report Act promotes the accuracy, fairness, and privacy of information in a credit report. 
Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, 15 USC 1681s-2 ( a ) ( 1 ) reasonable cause to believe that the information is inaccurate, 15 USC & 1681s-2 ( a ) ( 7 ) negative information,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies,15 USC 1681a ( q ) ( 4 ) Definition : identity theft report,15 U.S. Code 1692k - Civil liability and send the required notifications to all Furnishers of this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 
XXXX ) that you block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned consumer credit accounts, collections, and hard inquiries are the result identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 
XXXX ) that you block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned consumer credit accounts, collections, and hard inquiries are the result 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 2025-05-03 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: TN

Complaint narrative:
A copy of my credit report arrived recently, and I discovered a number of errors as well as unapproved inquires and information that were reported to it. The negative Impact these comments have had on my life and credit health

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 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a Citibank notice in the mail advising me they needed to speak to me regarding fraudulent activity on my account and providing me a security code as I was security locked from the account for about 10 days. I went directly to Citibank in XXXX XXXX with the letter and had the branch XXXX to have her unlock the account, only to find several fraudulent transactions made with my debit card that was lost. XXXX of the transactions was made on a Best Buy account XX/XX/XXXX in the amount of XXXX for a XXXX XXXX which was shipped to my address and marked as delivered but not received by me. Another was a purchase on XX/XX/XXXX from XXXX XXXX XXXX in the amount of XXXX. My drivers license was also used to rent a car at XXXX in XXXX and charged several times there. There are a total of XXXX transactions equaling a loss of XXXX from my account in less than a month. I do not know who was using my information but they have caused me a great loss of money that Citibank refuses to reimburse. I filed my initial claim on XX/XX/XXXX and had it denied on XX/XX/XXXX per the XXXX XXXX XXXX supervisor who cited the reason for the denial was because my card was used. ( I wasnt notified of the denial or asked to provide any evidence and when I called the regular fraud department to follow up they couldnt locate the claim so I had to file all over again on XX/XX/XXXX before speaking with the supervisor. ) I told her that didnt make sense as my card being stolen and used fraudulently is the reason I was filing the claim. She said she would notate that in an appeal that was filed without my knowledge. I have been left with {$0.00} or an overdrafted account for XXXX weeks at this point due to criminal activity occurring on my account/debit card and have been unable to pay my rent or any other bills. Furthermore, fraudulent activity has occured on the account previously which was reported on XX/XX/XXXX. I was notified the account would be closed, a new one opened, and my funds transferred to the new account so this fraud should have never been possible.

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 2025-05-03 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: IL

Complaint narrative:
On XX/XX/year> i.C Systems inc added a derogatory mark on my credit report per XXXX Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, I.C systems inc has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

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 2025-05-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( equifax ) 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 filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, another credit card account opened at XXXX XXXX on XX/XX/XXXX under the same account number XXXX, a credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> EXPERIAN XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXdentity Theft Affidavit and Request for Permanent Removal of Incorrect Information under 15 U.S.C. 1681c-2 ( FCRA 605B ) Dear EXPERIAN I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request. 

Enclosed, please find the following supporting documentation : XXXX copy of my credit report XXXX. Copy of my FTC report XXXX XXXX copy of identification I am requesting that you block and remove the fraudulent account and any associated negative information as mandated by law. The accounts in question are : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA 605B. 

Thank you for your prompt attention to this matter. 

Sincerely,

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Servicer under contract with Federal Student Aid
State: WA

Complaint narrative:
I am a victim of identity theft. Someone used my information to open fraudulent accounts. I XXXX XXXX XXXX Filing this CFPB complaint request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX, XXXX  and XXXX  credit reporting agencies, 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. These accounts consist of DPTED/XXXX XXXX XXXX XXXXhave resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX  credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America reported my XXXX  payment to them as 30 days late. I reported credit fraud on my account with them. They shut the account that the fraud occurred on and shipped me a new card. While shutting the old account down they also removed the online account and anyway of paying the account. I was on auto-pay and would have figured that they would transfer the pertinent information to the new account number. 

They did not and then reported me as late. I called in the speak to someone that could help and was told there is nothing they could do. They all agreed that it wasn't fair but it was out of their hands. 

So, I am a victim of credit card fraud and I get a blemish on my credit report. The only blemish I have ever had. This mistake has cost me higher rates on some loans already. 

All I am asking is for this 30 day late to be removed or the whole account removed. I am a business man and use my credit to help fund my business, now you are interfering in that.

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 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I wrote a check from my XXXX XXXX account to XXXX XXXX XXXX for {$100000.00} She deposited it to her checking account at M & T Bank. Branch in XXXX, MD M & T bank called me to verify that I wrote it. They did not accept the check. XXXX XXXX received a letter from M & T that check was not accepted and her account was being closed XX/XX/year>. The letter also stated that after investigation funds would be returned to XXXX XXXXXXXX XXXX account at XXXX XXXX. It has now been one month and funds have not been returned to my account. On my request XXXX XXXX did attempt to investigate this but got no results. 
Could you help in having those funds returned to me very soon. I do not understand the delay from M & T Bank in not returning my funds. Thank you. 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 2025-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
XX/XX/XXXX received a false scam letter from TSI there was a complaint filed aginst them XX/XX/XXXX and it was closed and that the matter should be addressed with the company if I had questions they are violating consumer laws with stalking and Haressment they were able to find my new cell phone number which I did not give out I have received collection calls at XXXX XXXX and they don't need leave messages I do not want any further contact this needs to investigated by the attorney general and the FTC as well the Washington State Federal Burea of investigation i might add i will be fileing a restraining order for stalking

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
I paid for flights with Chase points and cash. I cancelled the ticket with 24 hours of purchase ( it was also a refundable ticket ). They money got returned to my account, but the points never have. Ive asked several times over the course of at least a month and nothing has happened. They dont address my messages properly either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: OH

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-04 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: OH

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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