vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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 you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-05 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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 you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: PA

Complaint narrative:
I have recently reviewed my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report they were not open by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: GA

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to dispute inaccurate billing and reporting errors affecting my credit. Under the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately apply payments and provide proper billing notices.

Payments I made were not correctly credited, and there are clear calculation errors in the reported balances. Additionally, I was not given the required 21-day notice before payments were due, rendering any late marks invalid.

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 2025-08-05 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Navy Federal Credit union reported my car loan balance 30 days past due. It was paid before the 30 days due date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine.

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own.

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: NC

Complaint narrative:
I signed a contract with XXXX for dental treatment and continued care. They filed bankruptcy and ceased operations before my treatment was complete, voiding their end of the contract. TekCollect is attempting to collect payment on behalf of the now-defunct XXXX despite the nullification of the contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: MO

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$31.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX/2020, Balance : {$31.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: IL

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Equifax immediately block and permanently remove multiple fraudulent accounts ( XXXX XXXXXXXX XXXX ALL XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX for {$240.00} ; XXXX ALL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX for {$4200.00} ; XXXX XXXX XXXX XXXX EQ : XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX for {$600.00} ; XXXX ALL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$760.00} ; XXXX XXXX EQ : XXXX * * * * * * opened XX/XX/XXXX for {$0.00} ; XXXX XXXX XXXX XXXX EQ : XXXXXXXX XXXX XXXX  opened XX/XX/XXXX for {$9900.00} ; and XXXX XXXX  XXXX ALL : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX for {$2300.00} ) that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report # XXXX, # XXXX, # XXXX & # XXXX along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. 

I am filing this FTC Identity Theft Affidavit to report seven fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize and are the result of identity theft and fraud. These include : XXXX XXXX XXXX ( {$240.00}, XX/XX/XXXX, # XXXXXXXX XXXX XXXX XXXX  ), XXXX  ( {$4200.00}, XX/XX/XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX ( {$600.00}, XX/XX/XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$760.00}, XX/XX/XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX  ( {$0.00}, XX/XX/XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX ( {$9900.00}, XX/XX/XXXX, # XXXXXXXX XXXX XXXX ), and XXXXXXXX XXXX XXXXXXXX ( {$2300.00}, XX/XX/XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts caused fraudulent hard inquiries and unauthorized collection activity. I demand immediate removal from all credit reports and a halt to collection efforts pursuant to the FCRA and FDCPA. 

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
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 agency , block 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.

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 2025-08-05 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: FL

Complaint narrative:
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 agency , block 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: RENASANT CORPORATION
State: TN

Complaint narrative:
This is not about opening an account, but there was no other option to choose from. XXXX XXXXXXXX XXXX  in XXXX, Ga was changed over to Renasant Bank. I am on my XXXX  Aunts account so I am able to handle her banking matters. Previous with XXXX XXXX XXXX I was able to access the account via app and online. For a week, I have been trying to login to the account and the app. No matter what I do, I can not login to either. I was on hold for an hour yesterday waiting for a rep. She told me she couldnt figure out what to do and that she would call me back, that never happened. I was on the line this morning with customer service waiting for an hour and 13 minutes and no one ever picked up. I have called several branches, you wind up on the same hold loop. The nearest branch is in XXXX, Tn, over an hour away from me. I need to pay bills and do other banking but I can not get online or use the app! Their customer service number gives you an option for them to hold your place in queue and call you back, I tried to do that and no one ever calls. No matter what number you call with Renasant, you get on the hold loop. This is so frustrating! Please help me. All I need to do is get online and the app to handle my banking matters.

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 2025-08-05 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: KY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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 you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-05 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: GA

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: Omega RMS, LLC
State: CA

Complaint narrative:
I am submitting this formal complaint against OMEGA RMS, a third-party debt collector, regarding their reporting of a collection account originally from XXXX XXXX XXXX XXXX XXXX Account No. XXXX ). The account was opened on XX/XX/year>2023, with a reported balance of {$20000.00}. Despite my formal disputes contesting the accuracy, validity, and proper verification of this debt, OMEGA RMS has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically violating 15 U.S.C. 1681s-2 ( b ).

Under 1681s-2 ( b ) ( 1 ), OMEGA RMS is required to conduct a reasonable investigation upon receiving notice of a dispute from a credit reporting agency. This includes reviewing all relevant information, verifying the accuracy of the debt, and correcting or deleting any information found to be inaccurate or unverifiable. Despite my repeated requests, OMEGA RMS has failed to provide any verifiable documentation, such as a valid contract, billing statements, or chain of title from the original creditor, to substantiate their claim. Their continued reporting of this alleged collection account, without proper investigation or verification, is a direct violation of the FCRA.

Additionally, under 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. By ignoring my disputes and failing to provide any concrete evidence validating the debt, OMEGA RMS is knowingly furnishing unverified and potentially inaccurate information, which has resulted in substantial harm to my credit profile, financial opportunities, and overall creditworthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I I opened a Citi checking account this month, and my account has been frozen multiple times without clear explanation. Despite calling Citi three separate times to verify my identity, each time the security team confirmed that I was fully verified.

However, my funds remain locked in the account. Citi has informed me that the matter needs to be reviewed by a back office management team and that I must simply wait without any estimate of when the issue will be resolved. They have refused to escalate my calls or provide me with direct access to anyone who can resolve the situation.

It is unacceptable for Citi to freeze access to my own funds without providing a clear reason or timeframe for resolution. They had no issue accepting my {$2000.00} deposit, yet they are now preventing me from accessing it to pay off my credit card or transfer funds elsewhere.

I have had a prior relationship with Citi, including a credit card that was only recently closed. All my personal information on file is current and accurate, and I have repeatedly confirmed this during identity verification calls. Despite this, Citis internal systems continue to indiscriminately flag and freeze my account. I never received a letter on the freeze either and it's been opened for several weeks.

This is now the second time this has happened in a month, and Citi has failed to communicate proactively or offer transparency about the cause of the freeze or what steps are being taken to resolve it. I believe Citis actions are unfair, deceptive, and abusive, constituting a violation of consumer protection principles under UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ).

I am requesting that Citi immediately release the hold on my account or provide a specific and reasonable timeframe for resolution. The current handling of this situation is causing financial harm and undue stress.

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