vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: NJ

Complaint narrative:
I am a victim of identity theft under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ).

I mailed TransUnion a full 605B Identity Theft Affidavit with proof of my identity and address via certified mail on XX/XX/XXXX. The affidavit included a detailed list of fraudulent accounts and unauthorized hard inquiries that I never opened or approved.

Because the FTC IdentityTheft.gov portal was temporarily unavailable, my sworn affidavit serves as my formal identity theft report under 605B. Despite receiving my documentation, TransUnion has failed to block or delete the fraudulent items within the required four-business-day period.

Fraudulent items reported : XXXX XXXX XXXX Balance {$1400.00} / Limit {$700.00} Reported 150 Days Late XXXX Account Past Due {$1800.00} Collection / Charge-Off XXXX ( XX/XX/XXXX XXXX ), XXXX XXXX  ( XX/XX/XXXX ) , XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) These accounts and inquiries were the result of identity theft and continue to damage my credit.

Under FCRA 605B, TransUnion is legally required to block and permanently delete fraudulent information within four business days after receiving an identity theft report and proof of identity.

I am requesting that the CFPB enforce TransUnions compliance and ensure all fraudulent accounts, collections, and inquiries are permanently removed from my file, and written confirmation is provided to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi Bank Approved me for a credit card. I spent XXXX and made XXXX dollars worth of payments in a month and a half to qualify for the XXXX XXXX XXXX points. I applied for another Home Depot credit card and was approved as well. The very next day, they closed both my accounts and sited missed payment when the most recent missed payment was 4 years ago. They closed my credit line and bank account and locked me out of my account with no means by which to pay my balance. I reached out to them several times and no one could give me access to my account back. Now theyve hit me with a 30 days past due when they are the ones that locked me out of my account and then had the audacity to hit me with the {$790.00} annual fee in the process of taking a dump on my credit. Im trying to avoid a suit. This needs to be remedied expeditiously.

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 2025-10-31 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Unauthorized Hard Inquiries Under 15 U.S.C. 1681 To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries appearing on my consumer credit report. These inquiries were not authorized by me in writing, nor do they appear to serve any permissible purpose as defined under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ).

I have never given written consent to the companies responsible for these inquiries to access or obtain my credit report. Because the FCRA requires that a consumers credit file only be accessed with a legitimate permissible purpose and written authorization, these inquiries represent violations of my consumer rights under federal law.

Accordingly, I am demanding that your agency : 1. Conduct a full investigation into each disputed hard inquiry ; 2. Provide the name, address, and permissible purpose of every entity that obtained my credit file ; and 3. Delete all unauthorized inquiries that can not be verified as having a valid written authorization or permissible purpose under 15 U.S.C. 1681b.

Please be advised that failure to comply with the FCRAs provisions may subject your agency and the furnishers of this information to civil liability under 15 U.S.C. 1681n and 1681o.

I expect written confirmation of your investigation and an updated credit report reflecting any deletions within 30 days of your receipt of this dispute, per FCRA 611 ( a ) ( 1 ).

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 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX Phone : XXXX Subject : Cease and Desist Regarding Debt Collection Dear XXXX XXXX XXXX XXXX XXXX, I am writing to formally dispute the validity of a debt you claim I owe, identified by account number XXXX. I have no obligation to pay this debt, as I believe it is not legitimate and does not belong to me. Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you cease all communication regarding this alleged debt until you can provide verification of its legitimacy.

Please provide documentation showing that I am responsible for the debt in question. If you continue to pursue this matter without appropriate verification, I will have no choice but to take further action to protect my rights. Thank you for your attention to this matter. I expect your prompt response. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: WA

Complaint narrative:
I received a prepaid card in mail from netspend.com. the card is addressed to me and I have made no request f9r such a card. I believe I am being targeted for identity theft.

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 2025-10-31 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several items that appear on my Equifax credit report. I request that you review and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute : Requesting verification of the charged-off status and balance. Please verify and provide supporting documentation. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$21000.00} Dispute : The balance and the date opened for this account appear inconsistent with my records. Please correct this information. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Dispute : I request verification of the balance and date opened for this account. It does not appear accurate based on my records. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} Dispute : Requesting verification of the account balance and date. Please confirm the reported details. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Dispute : Please verify the reported balance and charged-off status for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: LA

Complaint narrative:
Charged-Off Accounts XXXX XXXX Acct # : XXXX Date : XX/XX/XXXX Balance : {$460.00} I dispute this account. Please verify directly with the creditor and remove it if it can not be fully validated. 

Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX I dispute the accuracy and authorization of these inquiries. Please verify and remove any inquiries that can not be confirmed as authorized. 

Late Payments XXXX  Acct # : XXXX XXXX Acct # : XXXX XXXX Acct # : XXXX I dispute the accuracy of these late payments. Please verify with the creditors and remove any unverifiable information.

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 2025-10-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
Well it was back in XXXX  my ex bestfriend used my name on a lease with me knowing I didnt know they used my name until I seen it on my account the crazy part is I didnt even live there the apartment was in my name Ive been trying to get it removed off my credit for years I cant afford to pay XXXX I feel like I shouldnt have to pay it I know its in my name but I want it removed off my credit profile please I need help removing it like a forgiveness Ive contacted the Genesis debt collector company to get it removed numerous times no help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
-I opened a new bank account with Citizens Bank online on XX/XX/XXXX -On XX/XX/XXXX I received a settlement check from my lawyer -On XX/XX/XXXX I went to my local branch to cash check -A few days later I received a letter from Citizens stating that my check would be on hold until XX/XX/XXXX - ( N/A Date ) I called customer service to ask why was the hold extended and was told that large checks must be verified - ( N/A Date ) Received letter from bank stating the hold would be extended and lifted on XX/XX/XXXX -On XX/XX/XXXX I called the citizens customer service line to verify that the funds would be available. I was told that the funds would be on hold until XX/XX/XXXX without a clear explanation. 
-On XX/XX/XXXX I went into my local branch to discuss the issue and bring in documents to verify the check. I was told by a teller that the issue could not be resolved in the branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: IN

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 2025-10-31 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: ZWICKER & ASSOCIATES
State: GA

Complaint narrative:
I had a health scare that put me out of work for some time, and have never been late on any of my accounts .had thought my payments were paid in full to later discover it was not of course I havent talked to anyone or have known what was going on, to discover it was sent to a debt law firm, the managers are very nasty omgoodness I pray the god they dont ever experience what I been through .this company Zwicker & Associates P.C cares about nothing the manager that assisted me could care less what I was going through and we ended no where

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Complaint Summary : On XX/XX/year>, the credit bureaus ( Equifax, and TransUnion ) illegally reinserted a XXXX XXXX  account ( Account No. XXXX XXXX XXXX XXXX ) into my credit file. This account had previously been disputed, investigated, and deleted.

Under FCRA 611 ( a ) ( 5 ) ( B ), if deleted information is reinserted, the bureau must notify the consumer in writing within five ( 5 ) business days, provide the furnishers contact information, and comply with 609. I received no such notice.

Illegal reinsertion of deleted account.

No written notice of reinsertion.

Failure to ensure maximum possible accuracy ( FCRA 607 ( b ) ).

Requested Relief : Permanent deletion of the XXXX XXXX account from all credit files.

Written confirmation that safeguards are in place to prevent further illegal reinsertions.

A free updated credit report reflecting the deletion.

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 2025-10-31 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am a victim of identity theft. My information was stolen. I did not consent to authorize or benefit from any of the following accounts. All are being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked until the investigation is complete. Since 4 business days from the receipt of this communication allowed under federal law to block these orders, failure to do so within 4 business days after receiving this letter constitutes a reason to promptly delete the information from my credit file in refer to FCRA ( USC ) 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: IL

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 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On XX/XX/2025, I had a Chase card benefits claim ( claim # XXXX ) for a trip delay reimbursement of {$220.00} approved. I provided my bank account information, and the following day received an email stating that the funds have been deposited into my account. However, my account never received these funds. I also called my bank to verify and they stated there was nothing pending or deposited into my count in this amount. Additionally, I received an email from chase benefits saying that there were updates made to my saved account, which I never requested or verified.

I have reached out to Chase card benefits multiple times and they say they are unable to track or reissue the payment. 

Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
My bank account was closed wrongfully by citi bank for suspicious activity without reasonable cause and lock me out of my account and refuse to give me access to my money in my bank account and locked out my access even though my count is still open they told me its closed for me. I dont have access to my balance and I reached out several times and my card is wrongfully restricted/ shut down and I dont have access to my bank account online log in and its remains open but I can not get my funds or have a check mail to me immediately even thought they explain several times the closed my account and the bank refuse to mail out my check with my balance

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 2025-10-31 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: HI

Complaint narrative:
Charged Off Accounts : XXXX  XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$0.00}. Please verify and provide the correct status for this account. 

XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$0.00}. Please verify and update the status. 

XXXX XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$0.00}. Please verify and provide the correct status for this account. 

XXXX XXXX  ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$0.00}. Please verify and provide the correct status for this account. 

XXXX XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$0.00}. Please verify and provide the correct status for this account. 

XXXX  ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$0.00}. Please verify and provide the correct status for this account. 

XXXX XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$680.00}. Please verify and provide the correct status. 

XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$900.00}. Please verify and update this account. 

XXXX XXXX  ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$780.00}. Please verify and provide the correct status.

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