vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
These accounts is being reported inaccurately, and I am requesting that it be investigated in compliance with the Fair Credit Reporting Act ( FCRA 611, 15 U.S.C. 1681i ).

Under FCRA 609 ( a ) ( 1 ), I also request full verification and documentation, including : 1. A copy of any contract or agreement bearing my signature showing my responsibility for the alleged debt.

2. The name and address of the original creditor.

3. A detailed account history including all charges, payments, and interest. 

Until the investigation is complete, this item should be marked as disputed on my credit report in accordance with FCRA 611 ( b ). 

If the item can not be verified, it must be deleted from my report under FCRA 611 ( a ) ( 5 ).

Please conduct your reinvestigation within the required 15-day time frame and provide a written response confirming your findings. I also request an updated copy of my credit report reflecting any changes made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report shows late payment entries that I believe are incorrect. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, my report must include only information that is accurate, complete, and verifiable. I request that these late payment entries be reviewed for verification, and if they can not be confirmed, they should be corrected or deleted.

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 2025-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: TX

Complaint narrative:
I received a text from NRA on XX/XX/year>, that included my personal information, attempting to collect a debt for XXXX XXXX XXXX. I do not owe anything to this company, as my online account shows - XXXX owed. However, XXXX has harrassed me via calls and mail for the last year for a debt that I do not owe. They did not/have not applied insurance, copay assistance and/or copay debit card correctly or appropriately. Attempts to remedy this with XXXX directly were futile, with hours on the phone with incompetent people, all of who respond in a different way, transfer you to someone else where you get no answers or call gets dropped. They dont keep appropriate records of anything, including calls. Every call was a waste of time. I am part of a lawsuit against XXXX. NRA bought a debt that doesnt exist and without correct information. I only received the one text, no regular mail, although they clearly have my address. The links they provide for how to dispute the debt DO NOT WORK, nor does the link to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NC

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: NC

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-30 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: WA

Complaint narrative:
I am raising this dispute because unauthorized and inaccurate accounts have been added to my credit report without my consent. I did not open or authorize these accounts, and I never received any notice of their addition. The fact that these accounts are being reported differently by each bureau is deeply concerning and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires that consumer reports be accurate and reliable.

This also breaches 15 U.S.C. 1681i, which requires that disputed items be investigated and corrected or deleted within 30 days, and 15 U.S.C. 1681g, which grants consumers the right to complete and accurate disclosures of their credit data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I was advised by my bank that I was 357 days delinquent on my student loans when I applied for a loan today ( XX/XX/XXXX ). They advised me to contact my Student Loan provider. After contacting my student loan provider on today ( XX/XX/XXXX ), I confirmed that the phone number they had on record for me was incorrect. Furthermore, I have never received any phone calls, written correspondence, or email notification regarding the alleged late payments or delinquency. The servicers failure to notify me through accurate and verifiable means demonstrates a lack of proper communication and due diligence on their part. 

My loans were in deferment due to my daughter being enrolled in college. I was completed unaware that the loans were no longer in deferment. 

Due to this situation, my credit score has been tremendously affect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I believe the late payments and delinquent status appearing on my credit are in error. The accounts were not late under the agreed terms, so those remarks should be deleted. Please update the accounts to Paid as Agreed and eliminate any delinquent status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
I HAVE VERIFIED MY RECORDS AND FOUND NO LATE PAYMENT.

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 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
boa acct XXXX close my accout and had money in there i dont know what i did. 
45 days of holding my money too long and Im having mental breakdowns why because what did I do to cause closure

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 monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma, LLC
State: CA

Complaint narrative:
They had closed my account not explaining why AFTER my deposit had gotten deposited so I was never able to receive that money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-30 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: MS

Complaint narrative:
I am filing this complaint to dispute the presence of inaccurate and unauthorized accounts on my credit file. I never opened these accounts, nor did I consent to their addition, and I received no notification regarding them. Furthermore, each credit bureau is reporting different and inconsistent details, which clearly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), requiring that all information be reported with maximum accuracy.

This also violates 15 U.S.C. 1681i, which mandates a timely investigation ( within 30 days ) and correction or deletion of disputed information, and 15 U.S.C. 1681g, which ensures a consumers right to full and accurate disclosures of their file.

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 2025-10-30 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: AL

Complaint narrative:
A month ago, I submitted a complaint to these XXXX, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over XXXX days since I filed my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report shows late payment entries that I believe are incorrect. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, my report must include only information that is accurate, complete, and verifiable. I request that these late payment entries be reviewed for verification, and if they can not be confirmed, they should be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am a victim of identity theft and have been disputing an account that TD Bank USA, N.A. ( Target Card ) is inaccurately reporting in my name. In XX/XX/year>, I sent TD Bank a certified letter requesting that they validate the authenticity of this Target credit card account, as I do not recognize it and believe it was fraudulently opened. 

Despite receiving my certified dispute letter ( as shown in the attached proof of delivery dated XX/XX/year> ), TD Bank failed to provide any evidence that I am the legitimate owner of this account. They did not produce a signed application, digital authorization, or IP address confirming my consent to open or use the account. 

Furthermore, TD Bank inaccurately reported a late payment on this disputed account to the credit bureaus, even though they have not verified that the account belongs to me. This constitutes furnishing inaccurate information and failure to properly investigate a consumer dispute, both violations of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I submitted a formal dispute letter to Transunion on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. 
Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Transunion has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Transunion has therefore failed to conduct a reasonable reinvestigation as required by law. 

XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I opened a new checking account with Citizens Bank on XX/XX/year>, under a promotion offering a {$400.00} bonus for receiving at least {$1000.00} in qualifying direct deposits within XXXX  days of account opening. The then-promotion page is attached. 

I met this requirement on XX/XX/year>, when my account received qualifying direct deposits totaling over {$1000.00}. However, as of today, I have not received the {$400.00} bonus. 

After contacting Citizens Banks customer service, I was told the account was ineligible because of XXXX  balance on the account during the initial period after its opening. The terms said " Your new account must have a balance greater than XXXX  and remain open and active through the payout date stated in the table below to qualify for this offer. '' It is unreasonable to expect an immediately funded balance at account opening. If an immediate XXXX  balance since account opening is not a must for the bonus, the terms didn't specify how long the grace period for XXXX  balance is. 

My first statement cycle ran from XX/XX/XXXX to XX/XX/XXXX ( attached ), at the end of which I maintained a positive balance and met the direct deposit requirement well within the promotional window. The fact that I met the direct deposit requirement on XX/XX/XXXX and have been keeping the balance well over XXXX ever since and have been actively using the account, rather than other usage behaviors ( e.g. having XXXX  balance across more than XXXX statement cycles, or immediate withdrawal all money after direct deposit ), makes me believe the denial of the bonus is unfair and inconsistent with the stated offer terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: GA

Complaint narrative:
i asked for incorrect and erroneuos report information to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: GA

Complaint narrative:
i asked for incorrect and erroneuos report information to be removed

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 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

My complaint is regarding inaccurate and inconsistent reporting by APPLE CARD/GS BANK USA 1 on my credit reports. This creditor is reporting my account with different statuses and balances across the three major credit bureaus XXXX XXXX XXXX XXXX. For example, one bureau shows the account as Charge-Off with a remaining balance, while another shows it as Closed, Paid, or Included in Bankruptcy. This inconsistency misrepresents the true status of the account and violates the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ) and 1681s-2 ( b ), which require furnishers to provide accurate, complete, and consistent information to all credit reporting agencies. I have already contacted the creditor directly and requested a reinvestigation to verify and correct the reporting. 

APPLE CARD/GS BANK USA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report contains late payment entries that I believe are inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, my report must include only information that is accurate, complete, and verifiable. I request that these entries be verified, and if they can not be confirmed, corrected or removed.

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