vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
To Whom It May Concern : RE : Formal Demand for Deletion of All Negative Items Under 15 U.S. Code 1681s-2 ( c ) ( 2 ) This letter serves as formal notice and demand pursuant to 15 U.S. Code 1681s-2 ( c ) ( 2 ) for the immediate removal of all inaccurate, obsolete, unverifiable, and misleading negative information being reported on my credit file. I have submitted a complaint and supporting documentation to the Consumer Financial Protection Bureau ( CFPB ), and this demand is being made in parallel. 

Under federal law, you are now in receipt of direct notice that the items in question are inaccurate, not properly verified, and in violation of federal reporting standards, and you are legally obligated to conduct a reinvestigation and remove such items if they can not be verified with documented proof. 

You are hereby notified that failure to remove these negative items within 4 calendar days of this notice and my CFPB upload will constitute willful noncompliance with the Fair Credit Reporting Act, and I will take the next legal steps, including but not limited to : Filing a formal complaint with the FTC, State Attorney General, and other regulatory bodies, Initiating civil action for damages under 15 U.S.C. 1681n and 1681o, Seeking statutory damages for each violation and legal remedies for emotional distress, defamation, and negligent enablement of identity fraud ( where applicable ). 

This is your opportunity to remedy the situation voluntarily. You are instructed to : 1. Delete all negative accounts, inquiries, and derogatory entries that are unverifiable, inaccurate, or outdated ; 2. Provide me with a written response within 4 business days confirming the deletions ; 3. Update the credit reporting agencies accordingly to reflect the deletions.

This is not a requestit is a statutory demand for compliance. I am asserting my rights under FCRA, and your failure to act promptly may expose you to federal liability. 

Sincerely, [ Your Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I " am formally disputing the following collection account on my credit report, which i believe Creditor/Collector : [ Kimball ] XXXXXXXX XXXX XXXX  Reason for Dispute : [ e.g. Not mine, incorrect Under the Fair Credit Reporting Act ( FCRA ) Section 611, you are required to verify the verity it within 3o days, it must be deleted.

Please send me written confirmation of the results or your reinvestigation the collections couldnt provide this information to me. Please remove this off my report. 12 CFR 1006.34C 12 CFR 1006.6C 15 USC 1681e ( b ) 15 USC 1681s-2 ( A )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was charged {$300.00} total for a purchases that I did not make. I addressed the issue with them, and they said that they would give me a temporary credit until it is resolved. When I spoke to a representative on XX/XX/XXXX, they stated that it may take two billing cycles for the credit to be issued back, and that the company that charged the account agreed to issue the funds back. 

However, I need a temporary credit because they also stated that there would be interest charged and a late fee charged if it is not paid. I have contacted them about disputing another charge, which is related to the same issue. 

I would like an immediate credit to my account until things are completely resolved so I can avoid any late fees or extra charges. 

Reference # : XXXX 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 monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I disputed a collection account from IC Systems ( original creditor : XXXX XXXX ) due to inaccurate and conflicting information across credit bureaus. The date opened, last active, and last reported dates do not match between XXXX XXXX XXXX XXXX The status comments are vague and not supported by proper documentation. Despite my dispute, the account was not corrected or deleted. This violates the Fair Credit Reporting Act ( FCRA ). I am requesting full deletion of this account from my XXXX  report due to unverifiable and inconsistent reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: Experian Information Solutions Inc.
State: MD

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 explanation
Consumer complaint received 2025-07-06 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:
I have filed many disputes with all the credit reporting agencies about a secured credit card that was gotten in my name by an illegal immigrant who was attempting to steal my identity and create a better credit score then I had for myself. They have " investigated '' this issue and it always comes back verified. I have asked for the original paperwork and gotten nothing. I have asked them to remove this because even XXXX, who was the original grantor of this credit, says it is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: CA

Complaint narrative:
I have filed many disputes with all the credit reporting agencies about a secured credit card that was gotten in my name by an illegal immigrant who was attempting to steal my identity and create a better credit score then I had for myself. They have " investigated '' this issue and it always comes back verified. I have asked for the original paperwork and gotten nothing. I have asked them to remove this because even XXXX, who was the original grantor of this credit, says it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX XXXX XXXX BALANCE : {$0.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/XXXX, I submitted a formal dispute to TransUnion regarding inaccurate and incomplete information on my consumer credit report. As of today, XX/XX/XXXX, TransUnion has failed to respond, investigate, or correct the erroneous data within the 30-day statutory period mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). This failure constitutes a direct violation of federal law and has caused ongoing harm to my creditworthiness and financial standing. Their lack of reinvestigation and verification obligations under 1681i mirrors the precedent established in XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), which requires consumer reporting agencies to conduct a reasonable investigation rather than simply parrot data from furnishers. 

Additionally, TransUnions continued publication of false and inaccurate information violates 15 U.S.C. 1681e ( b ), which mandates the use of reasonable procedures to ensure maximum possible accuracy. TransUnions disregard for this statutory requirement and their non-response to my written dispute indicates willful noncompliance, as addressed in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), and potentially entitles me to statutory, actual, and punitive damages under 15 U.S.C. 1681n and 1681o. I am requesting immediate enforcement action against TransUnion and a directive to correct or delete the disputed data immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: OH

Complaint narrative:
Discover card closed my account and refuses to re open it after someone obtained my login information and used the chat feature. They claim I requested the account because closed when I clearly didn't. In that chat transcript the person who requested their account closed even says that is not me and gives their name and address and clearly tells the customer support agent you closed the wrong account that's not me. Even after that Discover card left my account closed and is saying I made the request to have my account closed. It makes absolutely no sense. I can't seem to text anyone at this company with some basic common sense. They clearly do not take fraud or identity theft very seriously. They allowed another person to close my account even verifying my information. When taking with fraud department they said the agent should have sent me a verification text with a code before closing my account which they did not do. They also did not ask for any info to verify my identity before closing my account. If they would have done either one of these things it would have prevented this mistake from happening

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi bank let over {$5000.00} from fraud get stolen from my account without ever sending an alert or locked account. I called and reported and the were well aware I was waiting on a police report to be approved. They prematurely closed the cases and cited standard use and no further explanation. They didn't wait for my police report and closed 2 days before credits were legally required to be deposited. They could not have done a proper investigation on the cases. Plenty of possibilities for video surveillance in the locations stated. They then proceeded to lock my my account for fraud today XXXX for trying to buy coffee at which pointe they told me it was locked for an undisclosed amount of time while it was investigated. XXXX access to my own funds and no answers. Locked legitimate purchase and allows fraud the deny fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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:
Consumer Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : FRAUDULENT 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 ( REMOVE IMMEDIATELY ). These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX  Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID XXXX Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft 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 2025-07-06 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: FL

Complaint narrative:
This credit dispute is being submitted as a new evidence dispute. The accounts that are being XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) disputed do not belong to me. The below is my sworn statement concerning these credit issues. 
It is my sworn statement that, I declare under penalty of perjury ( " under the laws of the United States, '' if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( XXXX ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, ( XXXX ) which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts within 4 days these accounts has been blocked before and put back thats is unconstitutional and this has affected my livelihood

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
i just opened an account with chase a week ago, today i get a text saying randomly that they were going to close my account. they didnt provide me a reason as to why. now i am unable to get my money or make any transactions due to it being restricted and permanently closed. i need my money thats in that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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:
XXXX XXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, TRANSUNION credit reporting agency block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of receiving this complaint. This false, inaccurate, and fraudulent information consist of auto loans, personal loans, collections 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  {$1800.00} These accounts have resulted in several fraudulent inquiries and accounts on my consumer FICO report. I've attached a list of the accounts. I do not recognize the aforementioned accounts, collections, and inquiries reported.The aforementioned accounts you have on file on my consumer report was not initiated by me nor opened ; they are a result of identity theft. I have attached my FTC report as a result that the mentioned accounts were opened fraudulently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief