vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 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: CT

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am submitting this complaint to request the immediate deletion of several unauthorized hard inquiries appearing on my TransUnion credit report. These inquiries were not authorized by me and are a direct result of identity theft, likely stemming from multiple data breaches in which my personal information was compromised. 

I have already taken the proper steps to address this issue : I filed an official FTC Identity Theft Report I enrolled in XXXX identity protection services I gathered the documentation required to have these inquiries blocked under FCRA 605B I have also made multiple attempts to contact TransUnion by phone to resolve this but have been unable to speak with a live representative. The calls are disconnected or routed through unhelpful automated systems with no way to reach a person. 

Since the hard inquiries were not authorized, and I have provided the appropriate documentation ( FTC Report, government ID, and proof of address ), I am exercising my rights under the Fair Credit Reporting Act 605B to have this information immediately blocked from my credit file without reinvestigation.

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 2025-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
What happened : I opened a Citibank account in XX/XX/XXXX. Shortly after opening the account, access was blocked. I was overseas at the time, so I couldnt resolve the issue. 
In XX/XX/XXXX, after returning to the XXXX, I contacted Citibank multiple times. They gave inconsistent reasons for the block and said they needed to verify my identity but they have been unable to do so despite several attempts. 
On XX/XX/XXXX, a Citibank representative said they mailed a reference code to an address I dont recognize. They then ended the call without assisting further. 
On XX/XX/XXXX, I spent over 30 minutes on the phone again, and they still failed to verify my identity. They told me I would be contacted at a " verified '' address or phone number which I dont have access to. I offered to verify my identity in person at a Citibank branch, but the representative dismissed it, saying, You can try, but I dont guarantee you can restore your account. 
At this point, my account remains blocked, I have no access to my funds, and Citibank is not taking clear or reasonable steps to resolve the situation. This is causing me serious inconvenience and financial 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 explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX  {$800.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$710.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$820.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$550.00} XX/XX/XXXX NOT PROVIDED XXXX XXXX XXXX  {$750.00} XX/XX/XXXX NAMES NOT RECOGNIZED XXXXXXXX XXXX XXXX XXXXXXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXX - XX/XX/XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XXXX - XX/XX/XXXX Equifax, XXXX - XX/XX/XXXX Equifax, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Experian, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion, XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXX - XX/XX/XXXX Equifax, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion, XXXX XXXX XXXXXX/XX/XXXX Equifax, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX - XX/XX/XXXX Equifax, XXXX XXXX XXXXXX/XX/XXXX Equifax 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I recently received a copy of my credit and noticed that I had a hard inquiry on my credit report that I didn't authorize.

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 2025-06-08 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: CT

Complaint narrative:
I recently received a copy of my credit and noticed that I had a hard inquiry on my credit report that I didn't authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Sign-up failed for experian online account. This is due to a " technical error '' on their website. I can not place a freeze or view my free credit report due to this. I have called numerous times and there is always " no agents available '' so i am unable to create an account and view my 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 2025-06-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> To Whom It May Concern, I am writing to formally dispute and request validation of certain negative entries currently appearing on my credit report. These items appear to be inaccurate, incomplete, and unverifiable, and as such, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, to request full validation and removal. 
Please provide the following documentation for each disputed account : XXXX. A copy of the original signed contract or instrument creating the alleged obligation. 
XXXX. XXXX XXXX XXXX ( XXXX ) showing the relationship and ongoing account transfer terms between the original creditor and any debt purchaser ( XXXX ). 
XXXX. Chain of Assignment detailing every transfer of ownership, including dates and parties involved, from the original creditor to the current entity reporting the debt. 
XXXX. Account-Level Documentation including billing statements, payment history, account notes, charge-off history, and any records used to substantiate the balance being reported. 
XXXX. The name and contact information of the original creditor, if applicable. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$1900.00} According to 15 U.S.C. 1692g ( b ), you must cease collection efforts until these debts are fully validated. Reporting unverifiable or inaccurate data to the credit bureaus constitutes a violation of FCRA 623 and FDCPA 809. 
If the above items can not be verified with the requested supporting documentation within XXXX days, I request the immediate deletion of the disputed entries from all credit reporting agencies ( XXXX XXXX XXXX XXXX ) per FCRA XXXX. 
Failure to comply will result in my pursuing all available legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and State Attorney General, and, if necessary, seeking relief through the courts as permitted under 15 U.S.C. 1681n and 1681o, which provide for damages for noncompliance. 
Thank you for your prompt attention to this matter. Please respond to the address listed above with the requested documentation and an updated status of the disputed accounts. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am submitting a complaint against Wells Fargo regarding two separate fraud claims on my account, both involving unauthorized transactions on the same debit card ending in XXXX. The bank has been inconsistent in handling these claims, approving past similar disputes while denying recent ones without sufficient explanation. 

Claim # XXXX ( Denied on XX/XX/XXXX ) This claim included multiple unauthorized charges between XX/XX/XXXX and XX/XX/XXXX, such as : {$30.00} at XXXX XXXX ( XX/XX/XXXX ) {$50.00} at XXXX XXXX ( XX/XX/XXXX ) {$50.00} at XXXX ( XX/XX/XXXX ) {$5.00} and {$3.00} at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX ) {$10.00} at XXXX ( XX/XX/XXXX ) {$29.00} at XXXX ( XX/XX/XXXX ) These transactions were not authorized by me. I promptly reported them through the Wells Fargo mobile app. 

Wells Fargo reviewed and denied the claim, closing it on XX/XX/XXXXXXXX No clear explanation was provided beyond a generic message stating the review was complete. 

Claim # XXXX ( Also Denied, on XX/XX/XXXX ) This claim involved similarly unauthorized transactions on the same card, including : {$100.00} at XXXX XXXX XXXX ( XX/XX/XXXX ) {$43.00} at XXXX ( XX/XX/XXXX ) Totaling {$150.00} Again, these were reported promptly and later denied, despite their close proximity in date, type, and pattern to the other charges listed above. 

Concern Wells Fargo has previously reimbursed similar fraudulent activity on this same card, yet is now inconsistently denying claims for nearly identical cases. The denials appear arbitrary, and I do not believe a full or fair investigation was completed. This raises concern that my rights under the Electronic Fund Transfer Act ( Regulation E ) have not been honored.

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 2025-06-08 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within XXXX ( XXXX ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : 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 XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year>. 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. 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 2025-06-08 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: LEXISNEXIS
State: PA

Complaint narrative:
I ask this company for a report in the mail to prove to me that this account wasn't on my report as you can see this company is not reporting verified information as they are required by law. I have attached proof that this company still have this bankruptcy number XXXX on my report Lexisnexis as there report show the bankruptcy is clearly on my report and they needs to be held accountable for failing to properly investigate my disputes, resulting in the inclusion of inaccurate information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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:
Equifax XXXX. Box XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX RE : Formal Dispute and Request for Verification FCRA 609 ( a ) ( 1 ), 611 ( a ), 613 ( a ) | Charge-Off Account Removal Request To Whom It May Concern : I am formally requesting a detailed procedural investigation and verification under my rights granted by the Fair Credit Reporting Act ( FCRA ), specifically Sections 609 ( a ) ( 1 ), 611 ( a ), and 613 ( a ). This request is in regard to inaccurate and unverified charge-off accounts listed on my consumer report. 

The accounts in question are : Creditor Name : XXXX XXXX Account Number : XXXX Date Opened/Reported : XX/XX/XXXX Creditor Name : XXXX Account Number : XXXX Date Opened/Reported : XX/XX/XXXX Creditor Name : XXXX XXXX, XXXX Account Number : * XXXX Date Opened/Reported : XX/XX/XXXX Creditor Name : XXXX XXXX Account Number : XXXX Date Opened/Reported : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened/Reported XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX I am requesting that you provide all of the following in compliance with federal law : A copy of the original signed contract or application with my wet-ink signature. 

The full name, contact information, and method used to verify the account with the original data furnisher. 

An outline of your CRA procedures used to verify and investigate the information per 15 U.S. Code 1681i ( a ) ( 7 ) ( Procedural Request ).

If this account originated from public records, per FCRA 613 ( a ), you are legally required to provide the name and contact information of the courthouse or public source used to report this item. 

Provide any documentation regarding whether this debt was canceled or forgiven via a 1099-C, which would make it uncollectible and ineligible for continued reporting under IRS guidelines .

NOTICE OF NONCOMPLIANCE CONSEQUENCES : If you are unable to verify this account with original, signed source documentation and full procedural disclosure, you are required by 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) to delete the account from my credit file within 30 days.

Electronic verification or responses from third-party databases are not sufficient under federal law. 

If this item is not removed or properly verified within 30 days of receipt of this letter, I will file complaints with the : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) My States Attorney General I am also reserving my right to pursue legal action for continued inaccurate reporting in violation of the FCRA. 

Please respond in writing to the address above. Do not call me by phone. All future communications must be in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: AZ

Complaint narrative:
I dont recognize the address please remove it from my file thank you. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I am a victim of Identity Theft and have notified the creditor as well as the credit reporting agencies. I have provided police reports as well as FTC ID Theft reports. The creditor, Apple Card has failed to provide me one piece of documentation to validate these accounts. Apple Card has been notified on multiple occasions that these accounts were fraudulently obtained using my information. The credit reporting agencies have removed the fraudulent accounts with my police report, yet Apple Card continues to readd the fraudulent account to my credit report. They have yet to provide me sufficient documents to validate that I opened and authorized this account. The account is closed and charged off and after they were notified that the account was due to my Identity being stolen, it should not be readded to my credit file. Apple has received a copy of my Police report as well as ID Theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: GA

Complaint narrative:
To the Consumer Financial Protection Bureau, I am writing to confirm that I, XXXX XXXX XXXX, am the person who submitted the attached debt validation letter regarding Zions Debt Holdings and the account related to XXXX XXXX XXXX I submitted this letter myself in good faith, and it is not on behalf of anyone else. 

If there is any confusion or need for verification, I am happy to confirm my identity. You may reach me directly at XXXX or by email at XXXX. 

Thank you for your time and for helping ensure that my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act are protected. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Ct XXXX, GA XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation