vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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:
I am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are fraudulent accounts and inquiries listed on my credit report that I did not authorize or open. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting immediate action. 

Details of the Dispute : I am disputing the following information currently appearing on my credit report, which I believe to be the direct result of identity theft : A collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, showing a balance of {$1800.00}. 

Two unauthorized inquiries dated XX/XX/XXXX from XXXX XXXX and XXXX. 

I did not open these accounts or authorize these credit inquiries. I have never given anyone permission to open or use accounts on my behalf. 

Formal Request for Investigation and Debt Verification : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that all credit reporting agencies immediately block and delete these fraudulent items from my credit report.

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I am requesting formal debt verification. This includes documented evidence that I personally authorized these accounts. If such evidence can not be produced such as a signed contract or credit agreement the accounts must be permanently removed from my file. 

Compensation for False Verification : Per FCRA 616 ( 15 U.S.C. 1681n ), if any of these fraudulent accounts are falsely verified despite this identity theft claim, I am entitled to statutory damages of {$1000.00} per violation. 

Supporting Documentation Attached : Copy of my police report or FTC Identity Theft Affidavit Government-issued photo ID Requested Actions : Immediate deletion of all fraudulent accounts and inquiries Debt verification for all disputed accounts Written confirmation of deletions Notification to furnishers to cease reporting unverifiable information An updated copy of my corrected credit report I expect prompt confirmation that my request has been processed in full compliance with the FCRA. Please be advised that failure to comply may result in further legal action.

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 2025-04-14 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: CA

Complaint narrative:
I am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are fraudulent accounts and inquiries listed on my credit report that I did not authorize or open. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting immediate action. 

Details of the Dispute : I am disputing the following information currently appearing on my credit report, which I believe to be the direct result of identity theft : A collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, showing a balance of {$1800.00}. 

Two unauthorized inquiries dated XX/XX/XXXX from XXXX XXXX and XXXX. 

I did not open these accounts or authorize these credit inquiries. I have never given anyone permission to open or use accounts on my behalf. 

Formal Request for Investigation and Debt Verification : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that all credit reporting agencies immediately block and delete these fraudulent items from my credit report.

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I am requesting formal debt verification. This includes documented evidence that I personally authorized these accounts. If such evidence can not be produced such as a signed contract or credit agreement the accounts must be permanently removed from my file. 

Compensation for False Verification : Per FCRA 616 ( 15 U.S.C. 1681n ), if any of these fraudulent accounts are falsely verified despite this identity theft claim, I am entitled to statutory damages of {$1000.00} per violation. 

Supporting Documentation Attached : Copy of my police report or FTC Identity Theft Affidavit Government-issued photo ID Requested Actions : Immediate deletion of all fraudulent accounts and inquiries Debt verification for all disputed accounts Written confirmation of deletions Notification to furnishers to cease reporting unverifiable information An updated copy of my corrected credit report I expect prompt confirmation that my request has been processed in full compliance with the FCRA. Please be advised that failure to comply may result in further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: AZ

Complaint narrative:
Subject : Illegal XXXX XXXX Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against XXXX XXXX, XXXX, Equifax, and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. 
XXXX XXXX XXXX  Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 
3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). 
I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: MA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-14 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: MA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-04-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a formal written dispute regarding the account listed as XXXX, which is still appearing inaccurately on my credit report. The dispute letter was dated, time-stamped, and mailed with proper documentation, yet no investigation was conducted, and I received no response. I have attached a copy of that original dispute for reference. 

Furthermore, under FCRA Section 623 ( a ) ( 3 ), you are required to place a notice of dispute on any account under investigation. This legal obligation was not fulfilled, as no such notice appears on the reported tradeline. 

This account also displays materially inconsistent datamost notably conflicting dates of last activity and continued monthly charge-off reporting on a settled and inactive accountclear violations of the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 and 15 U.S.C. 1681c regarding re-aging and reporting limits. 

Due to your failure to investigate and failure to properly flag the account as disputed, I am demanding immediate removal of the XXXX account 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 explanation
Consumer complaint received 2025-04-14 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: PA

Complaint narrative:
Inaccurate accounts from the Equifax data breach remain on my report despite evidence. These errors are harming my finances and must be removed within 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am following up on Complaint ID XXXX regarding Ally Banks handling of my dispute case. 

I have reviewed their response, and I strongly disagree with their conclusion. While Ally claims the transactions were authorized, they are completely ignoring the context of the dispute that I paid over {$2800.00} for a XXXX XXXX XXXX XXXX after purchase due to pre-existing health conditions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I provided veterinary records, text message evidence, and extensive documentation to support my claim, including the fact that the seller ( XXXX XXXX became defensive, attempted to deflect responsibility, and even tried to offer a replacement puppy after claiming I had no credibility. 

Allys refusal to provide a provisional credit or honor their obligations under Regulation E reflects a failure to properly and fairly evaluate the evidence. Their internal communication has been inconsistent at one point saying the cases were closed, only to later admit that two of them were still under review. 

I am requesting that the CFPB take further action to ensure that Ally Bank is held accountable for their mishandling of this dispute and their failure to protect consumers from fraudulent and unethical merchants. At minimum, I expect Ally to fully refund the {$2800.00} paid in total and to provide me with a clear explanation of why my substantial documentation has been disregarded. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-04-14 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: CT

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
On XX/XX/XXXX I attempted to log in to my checking account via mobile app only to find it was restricted. I called Citibank on XX/XX/XXXX and spoke to a representative who told me the account was scheduled to close and that all incoming deposits would be rejected ( including a transfer I had initiated from an external account of mine as well as two XXXX refunds ). The next day, XX/XX/XXXX, I woke up to see that the transfer had fully cleared from my other bank and the XXXX refunds were marked as completed. I still could not and can not currently log in to my own Citibank account, but I called on XX/XX/XXXX and the rep said I had been misinformed the day before and the transfer and refunds had in fact posted to the account. 

I received an auto-generated email on XX/XX/XXXX saying my accounts would close within 60 days and I would be mailed a check for the remaining balance ( which per my conversation with Citibank is somewhere in the vicinity of {$1100.00} though I can not access my own account to verify the balance ).

I called the executive office and filed a complaint but have not heard back.

I called an alternate phone number that Id never seen before listed in the account closure email on XX/XX/XXXX. This representative told me that my only option for potentially receiving my funds back faster than within 60 days would be visiting a branch where I may or may not be successful in obtaining my own money. The closest branch to me is 2 hours away. I can make the drive but I asked if there was any way to confirm that if and when I do I will be successful. Citibank told me there is no way to confirm that prior to making the 2 hour drive. 

I am a XXXX XXXX XXXX XXXX and I am just looking for my own money that is needed for myself and my XXXX XXXX. I can not wait months. 

Citi Reference Number : 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 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Account # XXXX To Whom It May Concern, I am writing in response to a debt collection from your office regarding an alleged debt. I do not recognize this debt, and I am formally requesting validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F ( 12 CFR Part 1006 ).

Debt Validation Request Under Regulation F To comply with Regulation F, I request that you provide : 1. Creditor Information : The name and address of both the original creditor and the current creditor who owns the debt.

2. Debt Verification : A breakdown of the debt amount, including principal, interest, fees, and other charges as required under 12 CFR 1006.34 ( c ).

Proof of a valid contract or agreement establishing the alleged debt.

3. Itemization Date : Provide the specific reference date you used in your itemization ( such as the last statement date, charge-off date, or last payment date ).

4. Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency.

5. Proof of Permissible Purpose : Explain the permissible purpose under which you accessed my credit report under 15 U.S.C.

1681b ( Fair Credit Reporting Act ).

6. Cease Collection Until Validation Is Provided : If you can not provide proper validation, I request that you cease all collection activities and remove this alleged debt from your records. 
Specifically, I do not want to be contacted via email or by phone ( call or text message ). I only want to be contact by mail in response to my request. 
7. Credit Reporting Restrictions : If this alleged debt has been reported to credit bureaus, I request that it be updated as disputed by consumer under 15 U.S.C. 1681s-2 ( a ) ( 3 ).

I request confirmation that no negative information will be furnished to the credit bureaus during the validation process, per Regulation F guidance.

If you transfer or sell this account to another agency, they must also be informed of my dispute per 12 CFR 1006.30 ( d ) ( 1 ). 
Next Steps Please provide a written response to this request within the timeframe required by law. If you fail to validate the debt, I expect you to cease collection efforts immediately. 
Thank you for your prompt attention to this matter. 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX XXXX : XX/XX/XXXX SSN ( Last 4 ) : XXXX Date : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian and Equifax credit reporting agencies, block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. It has been confirmed by Experian that my personal information was compromised in a data breach. I am a victim of identity theft and did not open or authorize any of the following accounts : XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance : {$1000.00} Collection XXXX XXXXXXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance : {$930.00} Charge-Off XXXX XXXXXXXX XXXX XXXX Acct XXXX XXXX Opened XX/XX/XXXX Balance : {$3300.00} Charge-Off XXXX XXXX XXXX Acct XXXX XXXX Opened XX/XX/XXXX Balance : {$760.00} Collection XXXX XXXX XXXX Acct XXXX XXXX Opened XX/XX/XXXX Balance : {$180.00} Charge Account XXXX XXXXXXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance : {$310.00} Charge-Off XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance : {$400.00} These are fraudulent accounts that have resulted in several charge-offs and collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned accounts, collections, or charge-offs as reported. The aforementioned accounts, collections, and charge-offs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint Reports # 's XXXX and XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have also attached a copy of my Driver 's License for identification purposes.

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 2025-04-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
on XXXX, I missed a payment with commenity bank/ XXXX XXXX. I realized that I had missed the payment on XXXX. I went to the website and looked at my account. the account showed a late fee of {$30.00}. I paid my entire available balance of {$200.00} on that day. the account showed {$0.00}. on XX/XX/XXXX, I received a call from community bank stating that I had a {$62.00} balance. he offered to waive one late fee, but I felt that this was disingenuous. I spoke with customer service tonight, XX/XX/XXXX and began a call with the supervisor at XXXX she said the most she could do was remove {$15.00}. I told her that the gentleman on the phone last week offered to waive {$30.00}. this changed her story and she then offered to remove {$30.00}. 
I told her that anything less than a XXXX balance was unacceptable as I had already paid the entirety of my account, and only through clever practices was I unable to pay my account off entirely. 
this is not about the money, it is about the principle. I thought I had already paid this late fee of {$30.00}, after all. at this point, I will escalate this to my full ability to resolve this without them getting this full amount. I don't know if you can help with this, but I would certainly appreciate any assistance or information. 
: updated : after reexamining the screenshot, I actually made the payment on XXXX, but it was late in the day and didn't post to my account until the next day : thank you in advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
XX/XX/scrub> 2025 sent Equifax dispute still havent heard from them or been updated and these inaccuracies still on my credit report hurting and damaging my credit report & damaging me personally causing stress & XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: PA

Complaint narrative:
Today I came across some inaccurate accounts on my credit report and have no clue how they got there. I checked it like I normally do, but to my surprise, there were errors that hadnt been there before. I refreshed the browser just in case it was a display issue, but the incorrect accounts stayed. XXXX therefore requesting a thorough review of the documents Ive provided to ensure this is resolved and doesnt cause further concern.

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