vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 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: GA

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 : 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 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 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 2025-11-08 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: GA

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 : 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 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 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 2025-11-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am reaching out because my credit report still shows multiple unauthorized inquiries, even after I already submitted an identity theft report to the bureau. I never gave permission to these companies to access my credit report, nor have I applied for any credit with them. It is extremely frustrating and stressful to see that despite submitting proof of identity theft, these fraudulent inquiries remain on my report. This ongoing inaccuracy makes me feel unprotected as a consumer and continues to damage my peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
XXXX accounts that belong to someone else have been incorrectly mixed into my credit file. I never opened, authorized, or managed any of these accounts, yet they are being reported under my name and creating a false and damaging representation of my financial history. This improper mix-up has harmed my creditworthiness and is a serious reporting failure that I can not ignore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FULTON FINANCIAL CORPORATION
State: MD

Complaint narrative:
I found a seller on XXXX XXXX  that made handmade clothing that I liked. I reach out to them and they asked me to message them on XXXX then XXXX. I wanted to buy a XXXX XXXX  black and white skirt and a pair of distressed pants with lace on the bottom. After making the initial payment. They told me they do deliveries and they live close so we agreed to do a delivery. The day of they ask for {$50.00} more dollars to make the delivery. Which I didn't have at the time so I rescheduled it. They hit me up saying I need to make another purchase make the delivery requirement. So I buy a handmade black and white distressed crop top with lace for {$120.00}. They then ask for more money for the delivery. And make me almost close my account just go keep asking for more money and saying they won't deliver unless I give them {$100.00} more dollars. At this point in just wanted my money back which they refused to give me. Ended up being a total of {$400.00}. Then I first reach out to XXXX. And they refuse to give me my {$100.00} back even though it was stolen. So I go directly to my bank. They then send me a letter saying I can't get my money back because I paid for the product. That doesn't even make any sense. They STOLE {$400.00} from me and it's okay because I gave them the money?? There is even an option for " merchandise not received '' on the dispute form. Then when I file a dispute because I didn't recieve the merchandise I was promised they can't help me with ANY of it?

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 2025-11-08 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Some time between XX/XX/XXXX and XXXX, XXXX, a XXXX lock was placed on my Truist checking account after I sent a {$2000.00} transfer. I called Truist support on XXXX when I tried to log into my account but received an Account Locked message. I spoke with XXXX different representatives across multiple calls. Each representative asked me to verify details about the transaction ( amount, recipient, and my most recent deposit ), all of which I correctly provided. 

Despite fully verifying my identity and account information, I was told the only way to unlock my account was to visit a Truist branch in person. I live in XXXX, where Truist has no physical branches. When I explained this, I was told there was no alternative process no remote verification option, no temporary unlock, and no escalation path. 

As a result, I have been unable to access my own funds even though I met all verification requirements. From the reviews Ive since read, this appears to be a recurring issue affecting customers outside Truists branch footprint. Truists current policy effectively prevents certain customers from regaining account access, leaving their funds inaccessible for an indefinite period.

Im requesting that Truist be required to provide a reasonable, remote method for identity verification and account restoration for customers who can not physically visit a branch.

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 2025-11-08 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-11-07 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: 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.

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 2025-11-08 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
This tradeline is incomplete and inaccurate under the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting guidelines. Specifically : Under FCRA 1681i ( a ) ( 5 ), furnishers of information ( such as AMEX ) must delete tradelines that are incomplete or can not be verified as accurate upon investigation. The discrepancies in dates ( e.g., date opened, last activity, and last payment vary across bureaus ), credit limits/high credit amounts, and inconsistent XXXX payment histories indicate that AMEX is not reporting complete and verifiable information. For instance, the credit limit is reported as {$0.00} by XXXX XXXX XXXX but {$8000.00} by XXXX, and the high credit similarly conflicts. Additionally, the last activity and payment dates are inconsistent, with XXXX  showing activity as recent as XX/XX/XXXX while XXXX  shows XX/XX/XXXX, rendering the reporting unreliable. 
Metro 2 guidelines ( as established by the Consumer Data Industry Association ) require furnishers to report data in a standardized, accurate format. Fields such as Account Status ( reported as " XXXX '' and " XXXX '' ), Date of Last Activity, and Payment History must be consistent and verifiable. AMEX 's reporting violates Metro 2 by providing conflicting data across bureaus, including mismatched compliance condition codes and incomplete payment ratings ( e.g., no months/terms reported ). Metro 2 Field 17A ( Account Status ) and Field 8 ( Date of Last Activity ) are not uniformly applied, leading to incomplete reporting that harms my credit profile. 

I have previously disputed this account with the credit bureaus, as noted in the comments ( e.g., " Consumer disputes after resolution, '' " Subscriber reports dispute resolved - consumer disagrees '' ), but AMEX has failed to correct or delete the tradeline despite these inconsistencies. This ongoing inaccurate reporting is negatively impacting my credit score and ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am executing my final dispute before litigation against XXXX XXXX XXXX  for systematic FCRA violations and catastrophic data integrity failure. This represents willful disregard for federal consumer protection laws. 

XXXX XXXX account XXXX XXXX is reporting across all three credit bureaus despite being a clear mixed file case. I have never had an XXXX credit card or any relationship with XXXX XXXX XXXX. This account belongs to someone else with a similar name, and your failure to maintain reasonable procedures has contaminated my credit file.

This violates multiple federal statutes : FCRA SECTION 611- You have failed to conduct proper reinvestigation FCRA SECTION 607 ( b ) - Failure to maintain maximum possible accuracy FCRA SECTION 623 - Furnishing information known to be inaccurate TRUTH IN LENDING ACT ( TILA ) - Unauthorized credit relationship FACTA - Identity theft protection violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
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.

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 2025-11-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: CT

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectify these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BC SERVICES, INC.
State: CA

Complaint narrative:
I received a nonitemized bill from XXXX for {$170.00} with statement that my account is going to an outside collection agency. When I contacted the company about why, they claimed that my bills haven't been paid in over a year. They claimed that they sent me bills, which is a lie, since I never received any bills from them for over a year. This company is dishonest and deceitful in its billing practice and the claims they make. 
Today I also received an email from BC Services claiming that they are trying to collect {$54.00} on behalf of XXXX XXXX XXXX ( subsidiary of XXXX ). 
I was never made aware of any pending bills or debt that I may owe, while at the same time they regularly call my phone number trying to convince me to order more medical supplies, so they can charge insurance company and myself. 
The XXXX customer representative used evasive tactics, but eventually agreed to send me an itemized bill statement. The fact that XXXX sent me a bill without specifying any details and at the same time sent the debt to collection agency reflects the fraudulent behavior that the company has been involved in for many years. This company is well known for its dishonest behavior in the past and they keep lying that they sent me bills, even though I haven't received any communication from them for over a year. Moreso, they claimed that I could use their web-based patient portal to see my bills, but when I tried to create an account with the customer ID they provided I couldn't do it, and they claim that's because the customer ID is from their subsidiary - XXXX, XXXX XXXX who they bill for. They keep lying while telling me to pay year-old bills ( allegedly ) that I have no knowledge of, while at the same time involving a collection agency.

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 2025-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
On XXXX I got a call from a company called XXXX on behalf of Acima leasing, the call was from a private number. The person on the phone was extremely aggressive and threatened to sue me if I didnt pay $ XXXX immediately. When I requested the details they wouldnt tell me anything and asked for my social security number. This same company is now calling my husband and other family members asking for my address and telling them that they are suing me. They are claiming that they have reached out multiple times but I havent received any calls, emails or letters from them before the first time they contacted me on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: GA

Complaint narrative:
The account being reported is not mine and contains 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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Subject Line : Debt Collector Unable to Prove Ownership - Illegal Collection & Credit Reporting I am submitting this complaint regarding CREDIT COLLECTION SERVICE in connection with their attempts to collect on an alleged account that they have failed to validate under federal and state law. The company is furnishing negative information to the credit bureaus and contacting me about a debt they can not legally prove they own or are authorized to collect.

Specifically, I submitted a timely request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In response, the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the CREDIT COLLECTION SERVICE containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in Texas Without proof of ownership or a chain of title, CREDIT COLLECTION SERVICE has no legal standing to pursue collection, report to credit bureaus, or claim any right to payment. Furthermore, furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

I am requesting the following : 1. Immediate deletion of any credit reporting related to this account.

2. Cessation of all collection activity unless and until full validation and legal standing are established.

3. A complete investigation by your agency into CREDIT COLLECTION SERVICE 's practices of reporting and collecting on debts without proper documentation. This complaint is being submitted in good faith to protect my consumer rights. The failure to provide ownership documentation while attempting to collect or damage my credit is not only unethical-it 's unlawful.

Account Details ( if required by platform ) Collector : CREDIT COLLECTION SERVICE Original Creditor : Progressive Alleged Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Date of alleged charge-off or transfer : [ Month/Year ] Date of collector 's first contact : [ Month/Year ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I tried to send a {$1000.00} XXXX on XX/XX/year>. I have previously XXXX 'd this XXXX with no issue. I called Chase and spent 30 mins on the phone with their account verification team. I verified everything and they said the money should be sent in an hour. Instead they denied it and blocked me from my account. I called back to get access to my account and explained the situation. I sent a second XXXX, which got rejected again and I got blocked out of my account again. I called a 3rd and the 4th time. I got disconnected/hung up on the 3rd time and the 4th time I spoke to a supervisor they hung on me as well.

Company response to consumer: Closed with explanation