vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
Subject : Urgent Identity Theft and Data Breach Dispute under 15 U.S.C. 1681s-2 Immediate Action Required To Whom It May Concern : I am filing this formal dispute and complaint with the Consumer Financial Protection Bureau pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, due to unauthorized and fraudulent accounts appearing on my credit reports resulting from confirmed massive data breaches including but not limited to : XXXX XXXX XXXX ( XXXX ) over XXXX XXXX customers exposed Equifax ( XXXX ) XXXX XXXX records compromised XXXX ( XXXX ) personal info of XXXX XXXX customers stolen XXXX XXXX XXXX XXXX ) paralyzed hundreds of dealerships nationwide XXXX XXXX XXXX XXXX XXXX largest health data breach in U.S. history These events exposed my personally identifiable information ( PII ), making me a target of identity theft, which has now materialized in the form of fraudulent accounts and inquiries on my credit profile.

Legal Authority : 15 U.S.C. 1681s-2 As established in 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information have a legal obligation to report accurate data to consumer reporting agencies. Under 1681s-2 ( b ), once a dispute is filed, they must promptly investigate, correct, and cease reporting unverifiable or inaccurate information. Failure to comply constitutes a direct violation of federal law.

Additionally, FCRA 605B requires that items resulting from identity theft must be blocked within four business days upon receipt of proper documentation. 



Actions Demanded I am demanding that the CFPB enforce the following actions immediately : XXXX. Investigate and permanently remove any and all fraudulent accounts, inquiries, or collections related to the above-mentioned breaches. 
XXXX. Hold Equifax, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and their data handlers accountable for allowing my PII to be compromised, then willfully or negligently reporting fraudulent data to CRAs.

3. Sanction any furnishers found to be in violation of 15 U.S.C. 1681s-2 for continuing to report disputed accounts without conducting proper investigations or failing to respond timely. 



Attached Documentation Identity Theft Affidavit ( FTC Form ) Copy of Government-Issued ID Proof of Address Breach Notification Credit Report Highlighting Fraudulent Entries Police Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/year>, I purchased a handbag from a merchant in XXXX while traveling in XXXX. XXXX days after purchase, I discovered that the bag had visible rusting. The " XXXX '' logo showed signs of corrosion, indicating it was of poor quality. I never used the bag as it was a gift for my sister in the U.S. and was left in it's original packaging until I packed for my next destination. 

I contacted Bank of America while I was in XXXX on XX/XX/XXXX and they advised me to contact them when I reached the states as that was my only form of payment at the moment. I also contacted the tourist police in XXXX, who said I had to be in XXXX for anything to be done. When I reached the states, I filed a dispute with Bank of America, but they denied my claim without requesting any photos or follow-up information from me. They accepted the merchant 's claims and documents- including a vague sales receipt - without giving me a chance to present proof. Their notes stated that I never returned the item or reported an issue at the time of sale, but I was not given the opportunity to do so as the receipt didn't include an address and I was unfamiliar with the area as I was taken to the destination by a XXXX  which is known as the XXXX scam ( which I came to find out at a later time ). 

I have photo evidence showing the bag 's condition after two days of purchase. I believe I was sold a defective product and was completely dismissed by my bank. I was never contacted for supporting documents or asked to clarify anything, which I feel was incredibly unfair. 

This is in relation to a previous complaint that I've filed on XX/XX/year>. Complaint ID : 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 2025-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: GA

Complaint narrative:
I am filing this complaint because multiple personal loan accounts from XXXX XXXX have been reported on my credit report, but I did not open or authorize any of these accounts. These accounts were opened without my knowledge or consent, and I believe I am a victim of identity theft. The accounts were : Opened in XXXX  without my authorization. Reported as closed but still appear on my credit file. Not associated with any payment delinquencies, yet are contributing negatively to my credit profile. I have reached out to the credit bureaus and Affirm to request the removal of these accounts, but no resolution has been provided. These accounts are damaging my credit score and do not reflect my financial history. Legal Grounds ( FCRA Citations ) : According to the Fair Credit Reporting Act : FCRA 611 [ 15 U.S. Code 1681i ] requires credit reporting agencies to conduct a reasonable investigation if a consumer disputes any item in their file. I formally disputed these accounts and provided evidence that they were opened fraudulently. FCRA 605B [ 15 U.S. Code 1681c-2 ] entitles victims of identity theft to request that fraudulent information be blocked from appearing in their credit report. I submitted a fraud claim and supporting documents requesting that these accounts be permanently blocked. FCRA 602 ( A ) emphasizes the need for consumer reporting agencies to adopt reasonable procedures to assure maximum possible accuracy. Continuing to report accounts that do not belong to me violates this obligation.

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 2025-07-02 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: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXXXXXX XXXX  Date Opened : XX/XX/year> Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
ONLINE INFORMATION SERVI Account number XXXX Account type Fraudulent ACCOUNT OPENED IN MY NAME WITHOUT MY knowledge OR CONSENT Collection Responsibility Individual Date opened XX/XX/year> Status Collection account. {$170.00} past due as of XX/XX/year>. 
Status updated XXXX XXXX  XXXX {$170.00} Balance updated XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: MD

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$180.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$6600.00} XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$23000.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$7700.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$5200.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$17000.00} XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2400.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$230.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$150.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$500.00} INQUIRIES : XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
LVNV Funding has called me at least 4 times every day for the past six months. They claim to own XXXX of my charged off debts, XXXX for XXXX and XXXX for XXXX. They refuse to show proof of ownership of the debt. I had previous dealings where they tried to sue me and when I fought them they dropped the suit. They can not and will not provide accurate and standard proof they own any of my charged off debts. They report missed payments every month on these supposedly contracted debts. I have ZERO contracts with LVNV Funding. I am XXXX and on only Social Security income.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: SC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$62.00} XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00}

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 2025-07-02 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: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
I have requested multiple times for documentation on the alleged debt and they did not provide the said documents and also took accountability that they did not provide within the 30 days and the alleged debt is still on my report. I will be attaching documents

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX XXXX, I opened a Macys credit card at the recommendation of a Macys sales associate at XXXX XXXX XXXX, based on her promise that I would receive 30 % off my entire purchase on my statement, as well as 30 % off any purchases made that same day or the next day. Based on that representation, I agreed to open the card and combined my purchases with my mother and sister, who were also shopping that day, expecting the full 30 % off for all transactions within that time frame. 



The total purchases I made were : {$600.00} on the first transaction {$250.00} later that same day {$170.00} the next day I was told by the associate that 30 % off would be reflected on my statement, which she even calculated at around {$180.00} off the first purchase, and I expected a total of approximately {$310.00} in savings across all three purchases. However, I was shocked to find only {$100.00} taken off, and upon calling customer service, I was told there is a {$100.00} cap on the discountwhich was never disclosed by the associate. 

Had I known the discount was capped at {$100.00}, I would not have opened the credit card or made the additional purchases. My mother even had her own Macys card she could have used, but we relied on the associates clear and persuasive representation that the 30 % would apply without a cap. 

This is not only extremely misleading but also violates fair consumer practice. I respectfully request that Macys honor the full 30 % discount as promisedamounting to the expected ~ $ XXXX otherwise offer a remedy for this issue.

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 2025-07-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have recently reviewed my credit report and found several inaccuracies and unauthorized inquiries listed on my credit report. I have sent several letters to all three credit bureaus requesting the removal of these inquiries over two months ago and i have not received a resolution to my request, even after sending in the supporting documentation. I would like the listed hard inquiries removed from all three bureaus due to my personal information being exposed in multiple data breaches. The inquiries are : XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXXXXXX ( Bank ) XXXX XXXXXXXX XXXX XXXXXXXX ( Bank ) XXXXXXXX XXXX XXXX XXXXXXXX ( Finance ) 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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 am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a complaint against Experian for violating my rights under the Fair Credit Reporting Act ( FCRA ). Despite submitting a formal dispute on XX/XX/XXXX, XXXXincluding a copy of my government-issued ID and a recent gas bill to verify my identity and addressExperian continues to report XXXX inaccurate and unauthorized variations of my name on my credit report. The letter was received by Experian on XX/XX/2025. 

I have made it clear that there is only XXXX correct legal name that should be listed on my credit report. Experians continued inclusion of these erroneous names is both misleading and damaging to my credit profile. This failure to correct inaccurate personal information within a reasonable timeframe is a direct violation of the FCRA. 

I am requesting that Experian be required to : Remove all incorrect name variations from my credit report ; and Ensure that only my correct legal name appears on all versions of my report moving forward. 
I am including supporting documentation such as my original dispute letter, proof of delivery, a copy of my ID and utility bill, and a copy of the credit report showing the name discrepancies. 

I respectfully request that the CFPB take immediate action to address Experians 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 2025-07-02 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank has reported to XXXX  that I committed suspected fraud and closed an account on XX/XX/2022 with an unpaid balance of over {$24000.00}. I was never informed of this, never contacted regarding any investigation, and I have not received any supporting documentation despite my dispute. I deny any fraud activity and have asked both Citibank and XXXX  to provide evidence. As of now, they have not. I am requesting immediate investigation and removal of this unverified and damaging 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 2025-07-02 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:
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 non-monetary relief
Consumer complaint received 2025-07-02 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: NY

Complaint narrative:
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