vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I am a documented victim of identity theft and multiple national data breaches, including the XXXX  breach. My consumer file now reflects numerous unauthorized inquiries and incorrect address data that I never approved, authorized, or initiated. These violations are ongoing and in direct conflict with the Fair Credit Reporting Act ( FCRA ). 

First, ChexSystems and affiliated data brokers ( XXXX, XXXX ) allowed financial institutions to pull my consumer file without my consent and without a permissible purpose, violating FCRA 604 ( a ) and 607 ( a ). The following institutions accessed my file unlawfully : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX & XX/XX/XXXX, XXXX, GA XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ( XXXX, GA ) & XX/XX/XXXX ( XXXX, SC ) XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX, CA XXXX XXXX  XX/XX/XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX, CA XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX, OH XXXX XXXX XXXX via XXXX XXXXXX/XX/XXXX, XXXX, IL I have no relationship with these entities and did not apply for credit with any of them. My only authorized relationship is with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These institutions used public record data from XXXX and XXXX to make inquiries without consent, violating FCRA 605B by failing to block identity-theft-based access.

Second, my file also shows an unauthorized address : XXXX XXXX XXXX, XXXX, GA I have never lived at this address. My only lawful and accurate address since birth is : XXXX XXXX XXXX, XXXX, GA XXXX The continued publication of this false address is a severe violation of FCRA 1681e ( b ) and a breach of my privacy, exposing me to additional fraud and credit harm. 

I am now seeking full accountability under FCRA 604, 605B, 607, 616, and 617.

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 2025-05-21 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-21 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
As a loyal customer since XXXX, Amex closed all my credit cards on XX/XX/XXXX without a good/specific reason. I contacted them via online chat and then a phone call asking for them to cash out my reward points and refund the annual fee charged on one of the cards 1 day before closing. They refused both requests both times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Vehicle had already been reposed however prior to repossession I tried to work with the company. I called advised them my mother passed away. I tried paying {$1000.00} which they did not take from account called bank and they advised no attempt made. They then refused to speak with me and I advised to have power of attorney for my father since he has had a XXXX and XXXX XXXX XXXX XXXX XXXX. This was all prior to the repossession. They finally accepted for me to send the POA it was review by a supervisor who denied the POA because the seal was expired. I advised the document still holds power indefinitely. I have been hung up on, the customer service people have been rude. Last person I spoke to was a supervisor my the name of XXXX, he was extremely rude. He asked for me to allow him to finish but refused to return the courtesy. He hung up on me. I have called trying to gain information so that I may at least get my belongings such as money, medication, keys to my home and other. The company has made it extremely possible to speak to anyone or help with a resolution. Attempts were made before repossession took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NY

Complaint narrative:
i found out there is fraudulant activity on my report i requested it be removed, after XXXX disputes nothing was done. please help. thank you

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 2025-05-21 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On Saturday, XX/XX/XXXX XXXX, My wife, XXXX noticed for the first time that our XXXX checking a/c balance decreased by {$26000.00}. The only indication on our XXXXXXXX XXXX  online transaction history was a pending transfer of {$26000.00} with no further details. She immediately called our XXXX XXXX, for assistance. 
Later on the day, our XXXX XXXX got back to us with further details. He said that CitiBank ( our creditor ) placed a Marshal hold on our personal XXXX XXXX checking a/c for {$26000.00} After our Chase Banker completed his investigation within XXXX XXXX XXXX he got back to us with the following findings : Citi Bank placed a Marshal hold on our Checking account for {$26000.00} He also gave us the Hold Reference id, o Name and Address of the Law Firm representing XXXX XXXX Our only interaction with Citi Bank was through Freedom Debt Relief, who are assisting us with debt relief. XXXX XXXX relief uses a XXXX firm named XXXX XXXX who handle negotiations with their clients creditors. At the time of this XXXX hold, XXXX XXXX, was in negotiation with Citi Bank regarding our approx. {$20000.00} Citi Card debt. 

I contacted the attorney at XXXX XXXX, explaining the situation with the XXXX hold on our XXXX checking a/c. XXXX XXXX responded that we need to follow-up with Citi Bank and XXXX XXXX XXXX representing Citi. This was very disappointing as it was clearly a legal matter and this is why XXXX XXXX is involved in the negotiations with our creditors. 

We are still pursuing this matter with XXXX Bank and the law firm representing Citi Bank. Our XXXX Bank XXXX has not been responsive. We asked via email ( sent to him on XXXX, XXXX ), why was the hold placed on our XXXX checking account and how were the funds withdrawn from our account without any notification to us or our approval? There has been response yet, even after multiple phone calls on Friday, XXXX. 
We eventually contacted our XXXX XXXX on Friday, XXXX and had a call at XXXX ET. He told us that XXXX Bank informed XXXX of the Marshal Hold by Citi Bank on our Chase Checking. He said that XXXX Bank mailed us a letter via XXXX ( by regular XXXX postage ) on XXXX ( not requiring any confirmation of receipt, etc. ).

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 2025-05-21 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: LA

Complaint narrative:
Please delete this unauthorized account from my credit report, as it is not associated with me. I also request a prompt investigation to identify and correct any other errors.

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 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Im keep getting contacted by a collection agency. LVNV funding LLC saying that I owe money and I keep telling them. I dont know what they are talking about. They would not provide me with any agreements that Ive had with them. I keep telling them they have the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TX

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

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 2025-05-21 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: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: LEXISNEXIS
State: IL

Complaint narrative:
I give Experian permission to proceed with this complaint Re : Formal Dispute Failure to Remove Inaccurate Address, Bankruptcy, and Fraudulent Account | Violation of FCRA & FDCPA To Whom It May Concern, I am formally demanding immediate action pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, regarding multiple unresolved and unlawful entries on my Experian credit report. 
XXXX. Obsolete and Inaccurate Address Despite several disputes and formal requests, you have failed to remove an outdated and incorrect address from my credit report : XXXX XXXX XXXX, XXXX, IL XXXX This address is not my current residence and has no valid reporting basis on my file. Keeping this address listed violates FCRA 1681e ( b ), which mandates that you maintain only accurate and up-to-date information. Your repeated refusal to correct this error constitutes negligence and willful noncompliance with federal law.

2. Inaccurate Public Record Chapter 7 Bankruptcy My Experian report lists a Chapter 7 bankruptcy that is either outdated or misreported. You are required under FCRA 1681i to verify public record entries with original sources. Your failure to provide a valid source or confirmation of direct verification ( as per FCRA 609 ( a ) ( 1 ) ) is a breach of your legal responsibilities. Unless you can furnish evidence of lawful reporting and verification from the original court ( not LexisNexis or third-party sources ), this entry must be deleted immediately. 
XXXX. Identity Theft XXXX  Account # XXXX This account belongs to XXXX XXXX XXXX XXXX XXXX XXXX and is listed under account number XXXX. This entry is the result of identity theft, and I have no contractual or financial relationship with XXXX. 
I am invoking my rights under the FCRA and the Identity Theft Enforcement and Restitution Act. This account must be blocked and removed immediately per FCRA 1681c-2, which requires the blocking of fraudulent information once identity theft is reported. 
I am attaching all supporting documentation, including : Copy of my government-issued ID Proof of my current address Police report or FTC Identity Theft Affidavit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I give Experian permission to proceed with this complaint Re : Formal Dispute Failure to Remove Inaccurate Address, Bankruptcy, and Fraudulent Account | Violation of FCRA & FDCPA To Whom It May Concern, I am formally demanding immediate action pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, regarding multiple unresolved and unlawful entries on my XXXX  credit report. 
XXXX. Obsolete and Inaccurate Address Despite several disputes and formal requests, you have failed to remove an outdated and incorrect address from my credit report : XXXX XXXX XXXX, XXXX, IL XXXX This address is not my current residence and has no valid reporting basis on my file. Keeping this address listed violates FCRA 1681e ( b ), which mandates that you maintain only accurate and up-to-date information. Your repeated refusal to correct this error constitutes negligence and willful noncompliance with federal law.

2. Inaccurate Public Record Chapter 7 Bankruptcy My Experian report lists a Chapter 7 bankruptcy that is either outdated or misreported. You are required under FCRA 1681i to verify public record entries with original sources. Your failure to provide a valid source or confirmation of direct verification ( as per FCRA 609 ( a ) ( 1 ) ) is a breach of your legal responsibilities. Unless you can furnish evidence of lawful reporting and verification from the original court ( not XXXX or third-party sources ), this entry must be deleted immediately. 
XXXX. Identity Theft XXXX  Account # XXXX This account belongs to XXXX XXXX XXXX XXXX XXXX XXXX  and is listed under account number XXXX. This entry is the result of identity theft, and I have no contractual or financial relationship with XXXX. 
I am invoking my rights under the FCRA and the Identity Theft Enforcement and Restitution Act. This account must be blocked and removed immediately per FCRA 1681c-2, which requires the blocking of fraudulent information once identity theft is reported. 
I am attaching all supporting documentation, including : Copy of my government-issued ID Proof of my current address Police report or FTC Identity Theft Affidavit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: FL

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

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 2025-05-21 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: NJ

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-21 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: NJ

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: MI

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
This complaint is a follow-up to ensure that Equifax complies with the FCRA by conducting a complete and legitimate reinvestigation of XXXX XXXX XXXX XXXXXXXX charge-off accounts currently reporting on my Equifax credit report. The accounts include XXXX XXXX XXXX account number XXXX * * * * for {$4700.00} and XXXX XXXX  XXXX account number XXXX * * * * for {$4800.00}. These accounts were previously disputed, yet Equifax has continued to report them without providing original documentation or evidence of a reinvestigation. It is unclear whether Equifax reviewed actual source documents from the creditor or merely echoed unverifiable data from an automated furnisher response. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifaxs failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law and undermines consumer trust. In this case, the continued reporting of these accounts without substantiation represents both noncompliance and consumer harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
This CFPB complaint is submitted pursuant to FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) and requests that the Equifax credit reporting agency block the following fraudulent accounts from my consumer credit file within XXXX business days : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX opened on XX/XX/XXXX Capital XXXX ( XXXX accounts ) opened on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Bank opened XXXX XX/XX/XXXX XXXX  opened on XX/XX/XXXX XXXX Bank XXXX opened on XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX XXXX opened on XX/XX/XXXX Credit XXXXXXXX XXXX  opened on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Portfolio XXXX XXXX XXXX on XX/XX/XXXX These XXXX XXXX XXXX result of identity theft and were not opened or initiated by me. I have attached a copy of my consumer XXXX credit report, as well as an FTC Identity Theft Report # ( private case number ) for validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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 requesting the removal of fraudulent accounts and inquiries from my credit report due to identity theft. In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I am asking the credit bureau to block and delete these unauthorized items. I have provided supporting documentation, including an FTC Identity Theft Report, a government-issued ID, and proof of address. I also request written confirmation once the corrections are completed.

Company response to consumer: Closed with non-monetary relief