vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: OH

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I requested bank statements to be sent via e-mail and new address from Bank of America at XXXX XXXX XXXX, Downtown, XXXX XXXXXXXX XXXX. 

My banker, XXXX XXXX, did not provide access code or bank card or credit card linked to my XXXX CD account opened XX/XX/year> at Bank of America XXXX The total amount deposited was {$60.00}, XXXX, XXXX. 

The banker stalked for years. But she did not set up payment of ALL bills as agreed. Only payment of mortgage for six homes. 

Now, she doesn't provide any information via phone or email. And she did not introduce me to a new banker after she was moved to another location in XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Re : Request for Account Information Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : 1. Date the account was opened 2. Date the account was closed ( if applicable ) 3. Date the account was sold or transferred ( if applicable ) 4. Date the account was charged-off ( if applicable ) 5. Date of first delinquency reported 6. Date of last payment received 7. Current balance and balance at the time of charge-off ( if applicable )

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 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This complaint is a continuation of a previously filed CFPB complaint that was closed as Company Responded, even though the bank did not provide a substantive or adequate response. 

Previous CFPB Complaint ID : XXXX Citis prior response was a generic template. It did not address the specific issues raised, did not explain the cause of the repeated false fraud blocks, and did not provide any corrective action to prevent the ongoing disruption of my card use. 

The prior response did NOT answer the following required items : 1. Which specific fraud-risk rules, models, or settings triggered these repeated false declines?

2. What internal review was performed on my fraud-risk profile?

3. What specific corrections or adjustments ( if any ) were made to prevent future false positives?

4. Why did Citi fail to contact me through a channel that allows two-way communication before suspending my card?

5. Why does Citi not provide a human-accessible digital channel for resolving urgent fraud reviews?

These are direct questions that require technical and factual answers. Citis previous response did not address any of them.

Because the bank avoided all substantive questions, the underlying problem remains unresolved and continues to affect my ability to use the card safely and reliably.

I request the CFPB require Citibank to provide a non-templated, detailed response that includes : A clear identification of the fraud-rules or algorithms that caused the repeated declines.

A description of what changes or overrides were applied to my account.

A written corrective plan to prevent these false blocks from repeating.

A human-accessible communication path for fraud resolution, rather than outbound-only channels that do not allow replies.

Citi must also confirm whether it can or can not permanently correct this issue.

If the bank can not provide reliable card use without repeated false fraud blocks, Citi should acknowledge that in writing.

Finally, please note that if this pattern of unresolved, templated responses continues, I will provide the information to the CFPB Ombudsman and the Office of Public Engagement for further review of possible systemic issues.

The problem is NOT resolved. I am requesting a deeper review and a substantive reply that addresses these specific questions.

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 2025-12-08 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: TX

Complaint narrative:
I have no link to these accounts and insist they be removed within 15 days per the FCRAs guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft and this account is fraudulent. XXXX XXXX is furnishing information that it can not verify. I have attached my FTC Identity Theft Report, my formal Furnisher Accountability Notice, and supporting documents. I am requesting immediate deletion of all reporting related to this account under FCRA 605B and 623 ( b ). XXXX XXXX has failed to provide original signed documentation to establish this debt.

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 2025-12-08 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: GA

Complaint narrative:
I am a victim of identity theft and this account is fraudulent. XXXX XXXX is furnishing information that it can not verify. I have attached my FTC Identity Theft Report, my formal Furnisher Accountability Notice, and supporting documents. I am requesting immediate deletion of all reporting related to this account under FCRA 605B and 623 ( b ). XXXX XXXX has failed to provide original signed documentation to establish this debt.

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 2025-12-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am reporting unauthorized hard inquiries on my Experian credit report, which I did not initiate, authorized or consent to. These inquiries are tied to identity theft and violate the Fair Credit Reporting Act, specifically 15 U.S.C. 1681b ( 2 ), as no permissible purpose exists. Per 15 U.S.S. 1681c-2, I'm requesting the immediate blocking and deletion of these fraudulent inquiries. I have suffered emotional distress and mental anguish as a result of this ongoing identity theft. I demand a fair and lawful resolution. If you refuse to take action, I will not hesitate to pursue the same course of action. I have filed an FTC before however these hard inquiries are still showing.

PLEASE DELETE THE INQUIRIES AND ISSUE AND UPDATED REPORT. AND I AM ASKING CFPB TO ENFORCE EXPERIAN TO DELETE THESE INQUIRIES IN MY CREDIT FILE. 
( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX NA XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
In late XXXX I was awarded 100 % VA service connected XXXX for injuries sustained in XXXX. As part of this, the State of Oklahoma exempts property taxes. In early XXXX, around the XXXX I submitted the county assessor and state forms noting this. 
Within 12 hours an 'analysis ' was done of my escrow account, INCREASING my monthly bill by {$300.00}! 
Newrez is in violation of State of Oklahoma tax laws, and is in servicer non-compliance with tax exemption by the Department of Veteran Affairs. 
As part of being 100 % permanent and totally XXXX, I have a very limited income and can not afford to pay more, and demand proper evaluations and analysis that reflect my tax exemptions. Newrez over the years has shown to not be able to handle an escrow account. 
Newrez taking advantage of XXXX XXXX is very low.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I pulled my credit for a home loan and discovered the inaccuracies.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Credit Card Opened by the TXXXX XXXX  or Organization : XXXX XXXX XXXX XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$9800.00} Credit Card Opened by the XXXX XXXX or Organization : XXXX XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$0.00} Credit Card Opened by the XXXX XXXX or Organization : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$750.00} Credit Card Opened by the XXXX XXXX or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$300.00}

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 2025-12-08 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/year> a credit card XXXX was opened in my name. It included a false email address, an old mailing address, and an incorrect name. 
On XX/XX/year>, I contacted XXXX Bank, the issuer of the credit card, and informed them that the card I applied for was fraudulent. I was asked for the credit card number because I stated I didn't have the card, and I didn't have the account number. They said it would be reported to their fraud group. 
On XX/XX/year>, the fraud group acknowledged that it was fraudulent and issued a retraction to EQUIFAX. They notified me that it would take 45 days to complete the issue. About the middle of XXXX, just over XXXX  days, I checked the credit report for the removal of the credit card. It had not been removed. 
On XX/XX/XXXX, I called XXXX back to ask why it was still on my credit report. They stated that it had been submitted and that it would take XXXX XXXX days to be removed from my credit report. 
Today, XX/XX/year>, I called XXXX back because the credit report still showed it as remaining on my credit report. They asked me for the account number for the credit reporting account. I told them that back on XX/XX/XXXX. They said the problem was that the fraud group had cancelled the wrong card. Now I have to wait XXXX more days ( XXXX? ) for it to be removed from my credit report. Meanwhile, someone could use the fraudulent credit card to purchase items. 
I have been trying to get this corrected for 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
For the past couple of months I have been trying to make payments to XXXX to try and lower my debt that I owe. It seems every time I try to make a payment it says its processing for a couple days than the payment just cancels and never goes through, no email explaining why, no charges charged from my card. I havent been able to pay at all and its effecting my credit score.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I formally request that the referenced accounts be deleted from my record. I never authorized them, and they appear fraudulent. A proper inquiry is requested. Documentation is provided.

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 2025-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear TransUnion, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : DOE XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reported Late Payments : XX/XX/year> Account in Question : Creditor Name : DOE XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reported Late Payments : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 non-monetary relief