vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/year>, {$780.00} was withdrawn from my checking account by Fifth Third Banks installment loan department without my authorization. My Auto-Pay was turned OFF, and I did not initiate or approve this transaction. When I first contacted the bank few days after the withdrawal ( since I didnt have access to my phone due to hospitalization the past XXXX  days ) I was told to wait XXXX business days and call back to check the status of a dispute. At that time, the transaction was not clearly explained. It was only after escalating further that I was told the withdrawal was an offset due to a past-due installment loan. I was given no advance warning, no written notice, and was not given a chance to discuss repayment or resolve the issue before the funds were taken. Furthermore I was at the XXXX  with no phone access when the money was taken out on XX/XX/XXXX, so this withdrawal left me in shock. I requested a copy of the offset clause or policy in writing, and the bank refused to send it via email or online access. I was told Id need to wait XXXX or more business days to receive it via postal mail only. This unexpected withdrawal caused financial hardship, leaving me unable to cover essential expenses, especially medical expenses. I believe the banks actions were non-transparent, misleading, and procedurally unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: SC

Complaint narrative:
I have no idea what this account is and its in represent of identity fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputes to TransUnion, Equifax, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2025-09-17 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: TX

Complaint narrative:
I sent disputes to TransUnion, Equifax, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2025-09-17 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Central Research Inc
State: OR

Complaint narrative:
I have never applied or asked for a XXXX XXXX. Both my XXXX classes in XXXX and XXXX were paid by social services. I have never received a student loan and didn't ask for one. When I noticed the 2 loans I disputed them the loan has been sold like 3x and now is yet another company basing it's information on the previous companies information. I have tried to explain to these people these are not mine. I didn't sign for or apply for any student loan ever. This is either misinformation or fraud. But they dropped my credit score by XXXX for non payment recently. They have never done this my credit score pretty much has been XXXX for years now that I'm trying to buy a house with my XXXX XXXX  XXXX payout suddenly my score is taken from me. Why now? Pull my credit report this is not my debt and no one will listen. I never signed any paperwork I never fill out any paperwork I never asked for a student loan. And why are they suddenly choosing now to say I'm not paying I've never made a payment this isn't mine yet it's being paid? And suddenly a missed payment and it's my credit score that suffers. Go after who ever made the payments. It wasn't me and never will be. Please leave me alone I didn't ask for a loan I never received any money never took any classes I had to pay for. I just want to not be homeless and be able to buy a little house to take care of my recently XXXX husband. And my credit is being attacked. Everything else on my report is accurate and all are my debts. All expect the XXXX XXXX XXXX that I did not apply for, I didn't receive any money or take any classes pull my background. Someone please listen. I didn't sign anything, I didn't ask for any loan. This is not mine and it's killing my chance of owning a house to care for my XXXX. My age the fact that I raised XXXX out of my XXXX XXXX  and still have XXXX to go. I was a stay at home mom a homemaker for most of their lives. When did I have time for this loan and where is the money I supposedly borrowed I never got any money and I could probably get bank statements to my XXXX and only account at the time to prove I never got any money.. 
Please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Hello, this is my XXXX ( XXXX  ) complaint regarding Amex 's illegal actions. Previous ones : # # XXXX, XXXX and XXXX. 
I am filing a formal complaint regarding American Expresss mishandling of a fraud case involving an Amex XXXX  Credit Card issued in my name. Now they are harassing me with spam calls from XXXX. 

I applied for the card in XX/XX/year> but never received it. On XX/XX/year>, the XXXX, XXXX  Police ( Case # XXXXXXXX XXXX XXXX  XXXX, XXXX ) informed me the card had been found in another individuals possession. I then discovered numerous unauthorized transactions in states I have never visited. Amex admitted the card had been pre-activated and that a second card was issued without my request. 

I immediately reported the fraud, asked that all cards be cancelled, and provided police information. Despite this, Amex falsely claimed I had not cancelled the stolen card, left the account active, and later refused to reverse the charges. Fraudulent transactions continued in XXXX  and elsewhere, even though I had also submitted an FTC Identity Theft Report and a second police report from the XXXX ( Case # XXXX ). Both were ignored. 

Amex repeatedly sent contradictory letters, closed my case citing insufficient information, and claimed they were unable to reach medespite my documented calls and records proving otherwise. Their failure to cancel the account, disregard of police investigations, and refusal to reverse fraudulent charges demonstrate gross negligence. There's a pending XXXX  XXXX complaint as well. Their actions contradict the last letter I received here ( attached response ). Ref : XXXX Accounts Ending in XXXX & XXXX I respectfully request your office investigate this matter and refer it to the CFPB as appropriate. I JUST WANT THEM TO LEAVE ME ALONE. I have preserved all communications, call recordings, and documents and can provide them upon request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XXXX boa was served with a writ of execution against my account. I totally take responsibility and understand why that occurred however on XX/XX/XXXX, I paid the debt info. The debt shared Bank of America with the satisfaction letter showing that was paid. It is XXXX and I am still unable to access my funds, leaving me with no money at more several items returning on paid. I have made several attempts with Bank of America and a debt collector to get this resolved. It is now a week and a half and I dont understand why this isnt fixed.

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 2025-09-17 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: HI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: HI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 explanation
Consumer complaint received 2025-09-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian P.O. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate and Unverified Credit Information Pursuant to FCRA Sections 609 and 611 Dear Sir or Madam, I am writing to formally dispute all collections, charge-offs, and late payments reported on my Experian credit report related to accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under my name, XXXX XXXX XXXX XXXX This dispute is submitted in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), Sections 609 and 611.

I request a comprehensive investigation, validation, and verification of these negative entries. Please provide complete and verifiable documentation proving the accuracy and legal right to report these debts, including but not limited to : Copies of original signed contracts or agreements bearing my signature Detailed payment histories and transaction records related to these accounts Documentation establishing the legal ownership or assignment of the debts to any collectors or creditors Evidence of the chain of title demonstrating lawful transfer of the debts If Experian can not provide this complete documentation within the 30-day investigation period mandated by the FCRA, I demand the immediate and permanent removal of all unverifiable or inaccurate negative information associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accounts from my credit report.

Furthermore, considering the recent data breaches impacting Experian and the lawsuits involving XXXX XXXX XXXXXXXX, I ask you to carefully scrutinize the accuracy and integrity of all reporting sourced from these entities. 

Please provide a written response detailing your findings, any corrections made to my credit report, and confirmation that all recipients of my report will be notified of such changes in compliance with FCRA requirements. 

This letter serves as a formal demand for deletion of unsubstantiated negative items, and I expect your compliance within the legally mandated 30-day timeframe. 

Sincerely, XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX SSN ( Last XXXX digits ) : XXXX. Please remove all items negatively impacting my credit profile immediately!!!!!

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 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am writing to inform you that there has been an account on my credit report for too long that I do not recognize, nor did I open or authorize. This account is the result of identity theft. 
Since this situation unfairly affects my credit history, I request the immediate removal of this account from my report. 


Name Creditor : BANK OF AMERICA - Account Number : XXXX XXXX : {$11000.00} - Date : XX/XX/year> 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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$140.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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 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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX-XXXX XXXX XXXX '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-09-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on that date.

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 2025-09-17 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: NJ

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX  XXXX XX/XX/XXXXXXXX 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 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 XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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