vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: IL

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation. 

I am sincerely looking forward to your understanding and kind consideration of my request. Your assistance in addressing this matter would not only help resolve the inaccuracies on my credit report but also alleviate the challenges I am currently facing due to the drop in my FICO score. Your efforts in handling this dispute would make a significant difference, and I truly value the time and attention you dedicate to reviewing and resolving this issue. I deeply appreciate your willingness to help, and I remain hopeful for a positive outcome. Thank you once again for your support and consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA XXXX XXXX. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: NY

Complaint narrative:
I am formally requesting the immediate deletion of a specific account listed on my credit report, as it is currently involved in pending litigation and therefore inaccurate and inappropriate to report at this time. 

Let me be clear : this account is the subject of an ongoing legal dispute, and no final determination has been made regarding its validity, accuracy, or legitimacy. Because it is under litigation, any reporting of this account especially as a negative or derogatory item is not only misleading but also potentially prejudicial. It presents an incomplete and unfair picture of the situation, which is still being reviewed through the proper legal channels.

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 2025-06-25 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: TN

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-25 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: VA

Complaint narrative:
I am a verified victim of identity theft and a known data breach. TransUnion is reporting a fraudulent account I never authorized. I submitted an identity theft affidavit, FTC report, and requested immediate deletion under FCRA 605B and Metro 2 compliance. They ignored my legal dispute and failed to provide validation.

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 2025-06-25 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: FL

Complaint narrative:
i recently reviewd a copy of my credit report and i was shocked to find that i have been a victim of identity theft i do not recognize this account please remove from my credit report these are hurting my ability to obtain credit

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 2025-06-25 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: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: FL

Complaint narrative:
Subject : Complaint Against U.S. Bank Account Closure Without Notice and Withheld Business Funds To Whom It May Concern, I am writing to file a formal complaint against U.S. Bank regarding a business checking account held under XXXX XXXX XXXX XXXX. On XX/XX/year>, U.S. Bank closed this account without any prior notice and has since withheld our business funds totaling {$13000.00}. 

We have contacted U.S. Bank XXXX times per week seeking resolution, but the issue remains unresolved. Each time, we are told the account is " still in the process of being closed '' and that they are " unable to release the funds '' due to a need for additional verification of the source of deposits. 

We have provided all requested documentation, including : XXXX account provider details XXXX statements clearly showing deposits into the U.S. Bank account A copy of our agreement with the merchant provider All funds deposited into this business account are exclusively from our merchant service provider, related to consulting services rendered through our business. There have been no other forms of deposits. The source of funds is legitimate and fully documented. 

Despite this, U.S. Bank continues to delay the release of funds and provides inconsistent information on each call. We are being given the runaround, and the lack of resolution is severely affecting our business operations. 

We respectfully request the CFPB 's assistance in compelling U.S. Bank to release our funds without further delay and to investigate the handling of this matter, including the lack of notice regarding the account closure and the failure to act on the evidence we have provided. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX 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 2025-06-25 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year>, I received about XXXX credit cards by mail from citi credit card opened in various different names using the feature online add authorized users. XXXX of the authorized users name is XXXX XXXX. After removing all authorized users from my account, reporting it to Citi Credit card, and then changing my password, I started receiving mail from XXXX XXXX. Using our address, this person keeps applying for several different credit cards and Im worried he has other information besides my address since he was able to get into XXXX of my credit card accounts.

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 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
Between XXXX and XX/XX/2024, Citizens Bank blocked all authorized recurring electronic withdrawals ( ACH debits ) from my checking account to my credit card companies. I was not notified of this issue. As a result, none of my credit card bills were paid, which triggered multiple late fees and negative marks on my credit report. 

When I contacted Citizens Bank in XXXX to investigate the issue, representatives acknowledged that the problem was caused by an internal flag on my account that incorrectly prevented outgoing ACH transactions. They confirmed that this was a bank error, not an action initiated or authorized by me. 

Twice, I was told that the bank would issue a formal letter acknowledging the error so that I could provide this documentation to my creditors and potentially repair the damage to my credit. This letter was never provided. 

Instead, Citizens Bank later reversed their position and said they do not typically issue letters for this type of error even if their employees promised to do so. They offered only to confirm the error verbally if I personally arranged three-way calls between myself, Citizens Bank XXXX and each of my creditors ( including the specific departments responsible for credit reporting and adjustments ). This is an extremely burdensome and unrealistic expectation that puts all responsibility for remedying their mistake onto me. 

I am now facing long-term credit damage due to the banks internal error and refusal to take formal accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NJ

Complaint narrative:
In review of my credit profile I seen that there was some hard inquiries that are not mine.

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 2025-06-25 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: Medical Data Systems, Inc.
State: PA

Complaint narrative:
This medical collection account listed on my credit report with Medical Data Systems, allegedly on behalf of XXXX XXXX XXXX. 
Collection Agency : Medical Data Systems I Original Creditor : XXXX XXXX Hospital Account Number : XXXX Balance : {$4600.00} Date Opened : XX/XX/XXXX There are multiple violations of both FCRA and HIPAA-compliant reporting, and I am requesting this account be immediately deleted for the following reasons : 1. Inaccurate Status Reporting : The status is marked as updated in XX/XX/XXXX, yet the balance was last updated in XX/XX/XXXX. This reflects outdated or incorrect data reporting. 
2. Incomplete Payment History : No reporting is shown for XXXX XXXX and XX/XX/XXXX forward, indicating incomplete data reporting in violation of the FCRA 's accuracy requirement. 
3. No Validation Received : I was never sent a debt validation notice or medical billing breakdown.

4. Violation of Medical Reporting Guidelines : I have no record of receiving a statement from XXXX XXXX XXXX or a XXXX grace period before this debt was reported. 
Additionally, I request that you ensure all reported medical debt complies with the No Surprises Act and applicable credit bureau policies for medical collection data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
I am disputing mobile loans account being reported by TransUnion that is not paid and not verified. 
Under FCRA 611 ( 15 U.S.C. 1681i ), if a consumer disputes an account and the credit reporting agency can not verify the accuracy of that information, it must be deleted. 

I submitted a dispute to TransUnion and have not received proper verification of this account. I am requesting full deletion of the account from my TransUnion credit file.

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 2025-06-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: FREEDOM FINANCIAL NETWORK
State: IN

Complaint narrative:
I terminated my contract with Freedom debt relief on XX/XX/XXXX. There customer service rep XXXX, told me specifically since I terminated my contract with them before they tried to collect there service fees of XXXX dollars and plus the settlement amount of XXXX towards the debt collects. That I would receive my full funds of my escrow savings account since being with them from XX/XX/XXXX to now XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with Professional Debt, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Financial Recovery Services, Inc.
State: NC

Complaint narrative:
Today I was speaking with a representative named XXXX who advised me they are about to take legal action against me if I do not settle the debt today. I advised it was not going to be settled today unless I received some written documentation of the debt with their company as there has been 3 different companies that have requested payment, noone has sent me paper nor when I request arrangements noone responds with written documents. I also told XXXX not to call me anymore, then he preceded to be rude telling me I had a year to pay this debt before and that they just got my debt 2 days ago but are reviewing it for legal action. I asked for written documents XXXX said I should have received something by now, and I probably just ignored it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-06-25 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: IL

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: LA

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 non-monetary relief
Consumer complaint received 2025-06-25 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: MI

Complaint narrative:
I went to check my credit and upon doing so, I noticed there were some instances or late payments on my accounts for which I have maintained on time payments. It is very crucial that credit reporting agencies accurately report consumer information. 
I have never missed a payment on accounts XXXX ( account number XXXX ) and XXXX XXXX  XXXX ( account number XXXX ). 

I request a thorough investigation into these discrepancies. I also urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to provide such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

Company response to consumer: Closed with explanation