vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: IL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report are transaction ( s ) that I did not make. It is a result of 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 2025-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Macys has written or charged off the debt that I owed, yet there are still reporting it on my credit report as charge off/ written off. I never received a copy of a 1099C so that I was allowed to report this to the IRS as income. Macys took a tax break for writing this amount off. I need to be sent a 1099C form so I can report this to the IRS or they need to remove this erroneous information from my credit report or they will be sued for statutory damages because they are reporting it on my credit report as written off. Per the FRCA this is fraud and it should be removed 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 non-monetary relief
Consumer complaint received 2025-04-03 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: SC

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
XXXX XXXX 2025 XX/XX/year>2025 XX/XX/XXXX XX/XX/year>2025 I tried reaching out to them and nobody replied until I sent email directly to their company that processes payments in order to cancel my membership, also I tried contacting their support as stated in their policy via phone on XX/XX/year> XXXX in order to cancel membership as well and nobody picked up after waiting a really long time, I also tried calling my local gym and nobody picked up either. It is very ridiculous to not be able to pursue my cancelation and have this gym company take this matter all the way to a debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XXXX/XXXX/2020 -- {$10000.00} XXXX XXXX XXXX # XXXX XX/XX/scrub>/2020 -- {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Request for Assistance Regarding Experians Non-Compliance with FCRA Section 605B Dear CFPB Representative, I am writing to request your assistance in addressing an issue with Experian regarding their failure to comply with Section 605B of the Fair Credit Reporting Act ( FCRA ). Despite submitting the required documentation to Experianincluding my Identity Theft Report, evidence of fraudulent accounts, my government-issued ID, a recent utility bill, and a copy of the XXXX data breach noticeExperian has not blocked the fraudulent information on my credit report, as mandated under the law. 

This matter is particularly urgent because the fraudulent accounts on my credit file are a direct result of identity theft, which was caused by the XXXX data breach. Section 605B of the FCRA clearly requires that, upon receiving proper documentation, a credit reporting agency must block any information resulting from identity theft within four business days and promptly notify the furnisher of that information. Experians failure to take the required action has left these fraudulent accounts unblocked on my credit report. 

I respectfully request that the CFPB intervene in this matter. I am seeking assistance to ensure that Experian provides the specific methodology they used to determine the results of their investigation and proof of my signature on the documentation they claim verifies these accounts as accurate. Furthermore, I urge you to help expedite the process for having these fraudulent accounts blocked on my Experian credit report immediately. 

I appreciate your prompt attention to this matter and look forward to your guidance on the next steps. Please feel free to contact me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should you require any further information or documentation. 

Thank you for your assistance. 

Sincerely, 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 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
My Account as flagged Fraud as of XX/XX/year>2025. The specialist ask me what any of the charges mine. I replied yes. USAA still froze my account and will not release my funds even after I confirmed the transaction were mine. They as stated those funds could be handle up to 60 days. Which has caused me to not be able to pay my monthly bills. I spoken to several parties, no one is able to give me an answer why my funds a frozen and why they are closing my account.

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 2025-04-03 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:
Dispute of Potential Fraud and Request to Block Reporting I am writing to formally dispute certain items on my credit report that I have no knowledge of and to exercise my right to block the company from reporting this information again. Due to the Equifax data breach, I am concerned that my personal information may have been compromised, leading to potential fraud and unauthorized accounts or inquiries appearing on my report. 

The following items appear to be the result of potential fraud and should be removed immediately : [ XXXX XXXX XXXX XXXXXXXX [ XXXX XXXX XXXX XXXXXXXX [ XXXX XXXXXXXX [ XXXX XXXX XXXX XXXX I have no knowledge of these accounts or inquiries and did not authorize them. Under the Fair Credit Reporting Act ( FCRA ), I request that these items be investigated and removed from my credit report. Additionally, I am exercising my right to block [ Creditors Name ] from reporting this potentially fraudulent information again. However, I do not wish to have a fraud alert placed on my credit report at this time. 

Enclosed, I have included copies of my identification and any supporting documents to assist in resolving this matter. I expect written confirmation once these items have been removed and blocked, or a detailed explanation if you determine otherwise.

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 2025-04-03 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:
Dispute of Potential Fraud and Request to Block Reporting I am writing to formally dispute certain items on my credit report that I have no knowledge of and to exercise my right to block the company from reporting this information again. Due to the Equifax data breach, I am concerned that my personal information may have been compromised, leading to potential fraud and unauthorized accounts or inquiries appearing on my report. 

The following items appear to be the result of potential fraud and should be removed immediately : [ XXXX XXXX XXXX XXXXXXXX [ XXXX XXXX XXXX XXXXXXXX [ XXXX XXXXXXXX [ XXXX XXXX XXXX XXXX I have no knowledge of these accounts or inquiries and did not authorize them. Under the Fair Credit Reporting Act ( FCRA ), I request that these items be investigated and removed from my credit report. Additionally, I am exercising my right to block [ Creditors Name ] from reporting this potentially fraudulent information again. However, I do not wish to have a fraud alert placed on my credit report at this time. 

Enclosed, I have included copies of my identification and any supporting documents to assist in resolving this matter. I expect written confirmation once these items have been removed and blocked, or a detailed explanation if you determine otherwise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Hello, reaching out to see if someone can help me. My employer sent me an ACH on XX/XX/2025 to the wrong account. My job put in a request to have the funds returned and were denied after trying twice. My job was told we could not make another request due to insufficient funds in the wrong account. Reference Number : XXXX Trace Number : XXXX ACH Transaction Number:XXXXXXXX on XX/XX/2025 The Incorrect Account Number : XXXX ( XXXX XXXX XXXX Bank of America made a mistake by hard posting the ACH to the wrong account. I have spent over a week to correct these mistakes. I have been told there is nothing Bank of America can do to correct this. I have not been able to pay my rent. I am on a fix income and really need my funds. Yes, over twelve times and, also visited a branch in person. The bank the branch manager tried to fix it and was denied. When my job requested the funds back due to ACH error. Bank of America move the funds back to my employers bank on a pending status and then took the funds back and my job was told they can not request the funds back again. The Bank of America manager told me that they have never seen this situation before and that the back made a mistake. She called and spoke to the ACH department, and they told us there is nothing they can do to correct the mistake. Bank of America XXXX XXXX XXXX  XXXX XXXX Email : XXXX. XXXX XXXX file a formal complaint within Bank of America and I'm trying to get an update and copy of the complaint. Please let me know if you or anyone will help. I now must go to court on XX/XX/2025 to fight being evicted. Please call me at XXXX. Thanks!

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I asked on XXXX for a copy of my credit report and was told that as I only have an XXXX, I couldn't get it online, only through mail. It never got through mail. I tried to open a credit card with XXXX and they couldn't pull my credit profile, saying the information wasn't matching. I tried calling in and was told by the rep that it's impossible to have a credit report without an SSN.

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 2025-04-03 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: OH

Complaint narrative:
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

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with [ Equifax Information Services LLC ] due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : 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 ] Creditor Name : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Incorrect information identified XXXX reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section XXXX ( XXXX ) - XXXX U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures. 
Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 
Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo bank has charged off or written off the debt that I owe them. I never received a copy of a 1099C. By law if a company writes off or charge of debt and take a tax break they need to send a 1099 so the other party can claim it through the IRS as income. Wells Fargo wrote this debt off and took a tax break and its still reporting on my credit report that I owe them this amount which is fraud if this information is not removed from my credit report, I will be sewing this company for statutory damages under the FCRA.

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 2025-04-03 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
GM financial collectors pressured me in to a payment by give me false information and misleading and misguiding. I was told if I paid the account in full that it wouldnt say charge off and that they will send me a certified letter in writing. Not only that they call and left me 9 voicemail in 4 days which in fact violated my right and the 7in7 law when it comes to collecting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Initial contact occurred in XXXX of 2024. I inquired about the validity of the debt from the collection agency but I never received a response. In late XXXX, I called the company requesting a debt validation letter showing that I owed the debt but I did not get all requested documents

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: MD

Complaint narrative:
I am writing to file a formal complaint against Experian for its continued noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which mandates that information identified as resulting from identity theft be blocked within four business days of receiving proper documentation.

On [ insert date ], I submitted all necessary documentation to support my claim of identity theft, including : A complete FTC Identity Theft Report A government-issued photo ID Proof of my current address A written statement identifying the fraudulent accounts in question Experian has confirmed that all of my documents had been received and were properly on file. However, no action had been taken on my case. This is not a case of delayed processing this is clear evidence that Experian is willfully refusing to fulfill its legal obligation to remove fraudulent data from my consumer report.

Under FCRA 605B ( c ), consumer reporting agencies are legally obligated to block the disputed identity theft information within four ( 4 ) business days after receiving the appropriate documentation. As of today, that statutory period has long passed, and TransUnion remains in violation of federal law.

This negligent and deliberate inaction has had a severe negative impact on my credit profile and has caused me ongoing financial and emotional harm. I consider this not only a gross failure of duty but an intentional obstruction of my consumer rights.

I am demanding the following immediate actions : Block and permanently remove all information identified in my FTC Identity Theft Report in accordance with FCRA 605B ; Provide written confirmation of the deletion from my credit report ; Deliver a detailed written explanation for the delay or refusal to act ; Send me an updated copy of my corrected credit report reflecting the removal of the disputed accounts.

If this matter is not resolved to my satisfaction within 4 calendar days of this letter, I will escalate the issue and file formal complaints with the following agencies : Federal Trade Commission ( FTC ) My State Attorney Generals Office I expect prompt, lawful action from your team. This is a final opportunity to resolve this issue amicably before further legal and regulatory steps are taken.

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