vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). 

More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ).

This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights. 

The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 

XXXX XXXXXXXX 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 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I contacted XXXX  and started a monthy payment for their services.. 
They contacted City Bank about the Identity Theft of {$27000.00} Last week... I think XX/XX/XXXX... I saw my bank online info and saw my XXXX credit score drop to XXXX at the end of XXXX.... I have perfect credit my whole life. 

XX/XX/XXXX I joined XXXX  and XX/XX/XXXX I called the bank that handed XXXX to a person using my name ... and talked to XXXX girls about the fraud... they said that City Bank will take it from there.... 

The Bank name and address is CBNA XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XX/XX/XXXX I got an XXXX page document from City Bank to fill out including to get an ID from you guys. 

And they are Citybank N.A. 
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX want me to fill out forms with the police and send all the info to CityMortgage, Inc Fraud prevention and Investigation XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 2025-07-10 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: FL

Complaint narrative:
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 on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
Upon routine review of my credit report, I noticed a hard inquiry that I did not initiate. This is extremely concerning, and I suspect the inquiry may be fraudulent or placed in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I recently received a bank statement from an account that I in the past, a certificate of deposit IRA. 
I already got confirmation when I closed the account months ago in XXXX and now I have been set up on quarterly statement by the financial institution when I have previously opted out of mail from them of any kind especially with my personal information being sent to my mailbox where I have had mail stolen and tampered with. The financial institution was aware of mail situation in the past and they did confirm on several occasions and a prior complaint that I made against them that I was removed from any mailings from their institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XXXX XXXX : XX/XX/XXXX Phone : XXXX Date : XX/XX/XXXX To : NCB Management Services , Inc .

XXXX XXXX XXXX XXXX, PA XXXX RE : Formal Dispute & Legal Demand for Validation Account # XXXX | Amount : {$5400.00} To Whom It May Concern, This letter serves as a formal dispute of the above-referenced account and a demand for immediate validation under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i and 1681s-2. 

I do not recognize or acknowledge any legal obligation to NCB Management Services , Inc. for this alleged debt. The reporting of this account to the credit bureaus is false, inaccurate, and legally unverified. 

DEMAND FOR COMPLETE VALIDATION : You are required by law to provide the following documentation within 15 calendar days : A copy of the original contract or agreement bearing my wet signature, which establishes any legal responsibility for the alleged {$5400.00} balance. 
A complete itemized accounting of the debt, showing how the balance was calculated and any fees, interest, or charges applied. 
Proof of legal assignment and full chain of custody of this debt from the original creditor to NCB. 
Proof of your legal authority to collect debts in the State of Illinois, including license and registration. 
A copy of your companys privacy policy and how you obtained my personal information. 
LEGAL FRAMEWORK : You are now officially notified under 15 U.S.C. 1692g ( b ) to cease all collection activity until this debt has been properly validated.

Using XXXX automated responses is not a valid investigation under 15 U.S.C. 1681s-2 ( b ).

Continuing to report unverifiable or inaccurate information constitutes willful noncompliance with federal law.

Under the UCC 1-308, I reserve all rights not to be bound by any contract or obligation I did not personally authorize. 
IMMEDIATE ACTION REQUIRED : DELETE this account from all credit bureaus ( XXXX XXXX XXXX, and XXXX ) Cease and desist all collection activities immediately Respond in writing within 15 calendar days Failure to comply will result in complaints filed with the CFPB, FTC, Illinois Attorney General, and potential civil legal action for violations under the FDCPA and FCRA. I will also seek monetary damages and injunctive relief. 

You are now on legal notice. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Everything on FTC and XXXX is fraud Remove immediately! 

15 USC 1681c-2 block and remove immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
For seven months I have been able to access my Transunion credit report. I get emails saying that negative information was reported on my Transunion credit report, I log into transunion and try to request my credit report it says that I cant access it and to try again, I try to dispute information on my credit report It does not allow me to dispute. I reach out to customer service and all they say is clear your browser history and try it on another browser. None of these fix the issue, it has been 7 months now and I still cant see what is on my credit report and cant dispute anything on my credit report. I tried to access it through my free annual credit report and out of the three bureaus Transunion is the one that it blocks, so I cant even access it through there. This is a direct violation if my rights not being able to see what is on my credit report and not being able to fix incorrect information on my report. Transunion doesnt allow me online access to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
I am writing to dispute a hard inquiry that appears on my credit report, which I did not authorize or initiate. I have not applied for credit with any company that would justify this inquiry, nor have I provided any personal information for such purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
I previously disputed an account reported by TransUnion under the name XXXXXXXX XXXX XXXX XXXX  with the original creditor listed as XXXX XXXX XXXX. After my dispute, TransUnion removed the account from my credit report. 

However, without any notice or legal justification, TransUnion reinserted the same account back into my report. I never received a written notice within five business days, as required by law under the FCRA. They also failed to provide any verification such as the original signed contract, a detailed breakdown of the debt, or a 1099-C form showing the debt was canceled or still legally valid.

I know my rights and I am not new to this. Reinserting a previously deleted account without proper process is a serious violation of the Fair Credit Reporting Act. This feels like an intentional disregard for my rights as a consumer. 

This is negatively affecting my credit and I will not accept it quietly.

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 2025-07-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas, XXXX XXXX ( XXXX ) XXXX XX/XX/year> Experian, XXXX. XXXX XXXX XXXX, TX XXXX Re : Request for Method of Verification per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Account name : XXXX XXXX Account Number : XXXX * * * * To Whom It May Concern, I am writing in regard to a recent investigation you conducted concerning information I disputed in my credit file. I previously submitted a formal dispute about the accuracy of certain items on my credit report, and I have since received your response indicating that the information was " verified as accurate. '' Pursuant to my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting that you provide me with a detailed description of the method of verification, including : The name, address, and telephone number of each furnisher of information you contacted ; The method by which the information was verified ; Any supporting documentation provided by the furnisher ; and The name of the person or department at the furnisher that confirmed the information.

As a consumer, I am entitled to know how you verified the disputed information, and I request a response within the time required by law. 

Please send the requested information to my address listed above. I appreciate your cooperation and attention to this matter. 

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 explanation
Consumer complaint received 2025-07-10 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: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX has violated my rights. 

15 USC 1681 section 602 states I have right to privacy. 

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as a late for and purpose.

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 2025-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
On or around XX/XX/XXXX, I went to XXXX XXXX XXXXXXXX in XXXX Tn and purchased a buy here pay here vehicle. XXXX XXXX XXXX, VIN XXXX. The car lot handled the sales tax, vehicle registration, etc XXXX XXXX XXXX. I received 3 different temp tags from them before they gave me a tag for it. Ive since have registered it in XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Ive still yet to recieve a title w lien holder on in. XXXX DMV XXXX XXXX DMV have both requested a title and theres been nothing provided. Its now XXXX, my current registration on it expires XXXX this year. Years have passed and I havent been able to provide proof of ownership. I have emailed Credit Acceptance more than once about this and have emailed the car lot. Ive gotten no response.

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 2025-07-10 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: NY

Complaint narrative:
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. 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 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 2025-07-10 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:
After reviewing my credit report, I discovered a hard inquiry that was placed without my permission. I want to make it clear that I did not apply for credit with this company nor did I authorize any inquiry into my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-10 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: WA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-07-10 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: WA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to file a formal complaint against Citibank , N.A . for the unjust closure of my account, failure to verify a federal check, and for withholding a promotional bonus I am actively earning in good faith. 

On Monday, XXXX XXXX I deposited a legitimate U.S. Treasury check issued by the Internal Revenue Service ( IRS ) in the amount of {$8100.00} into my personal Citibank account. Rather than following standard verification proceduressuch as contacting the IRS to confirm the authenticity of the checkCitibank flagged the deposit as fraudulent and blocked my access to the account. I was later informed the account would be closed entirely. 

I have received no documentation, no communication outlining the evidence behind their fraud claim, and no opportunity to respond. The check was valid and issued to me directly by the IRS. 

Additionally, I had enrolled in a Citibank promotion that offers a {$320.00} bonus for maintaining direct deposits for 3 months. I have already completed two of the three required months, and XXXX would have been the final month needed to fulfill the promotion terms. By abruptly and wrongfully closing my account, Citibank is effectively preventing me from completing the final requirement through no fault of my own.

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 2025-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief